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Key figures

Key figures per 30.6.2017

In NOK thousand

Ref.

Q2 17

Q2 16

Jan- jun 17

Jan- jun 16 

2016

Summary of income
statement

           
Net interest income   310 571 295 519 609 533 568 472  1 177 657
Net fee and commission
income
  39 546 40 721 81 644 84 824  179 923
Net other income   8 670 228 786 14 001 228 522  232 094
Total income   358 786 565 026 705 177 881 818  1 589 674
             
Other operating expences   -144 408 -141 509 -293 788 -283 593  -564 542
Operating profit before
loan losses
  214 378 423 517 411 390 598 225  1 025 132
             
Loan losses   -10 765 -19 984 9 592 -28 306  -53 192
Earning before tax   203 613 403 533 420 982 569 919  971 939
             
 Calculated tax   -48 916 -44 183 -101 492 -84 463  -182 659
 Net profit   154 697 359 350 319 490 485 456  789 281
             
             

 Profitability

           
 Return on equity  1 12,4 % 36,3 % 13,4 % 24,7 %  18,1 %
 Net interest margin  2 1,57 % 1,72 % 1,60 % 1,68 %  1,70 %
 Cost-to-income ratio  3 40,2 % 25,0 % 41,7 % 32,2 %  35,5 %
             

Balance sheet figures
(in NOK million)

           
Total loan volume   71 066 60 168 71 066 60 168  63 463
Customer deposits   48 137 47 954 48 137 47 954  45 587
Deposits-to-loan ratio  4 65,9 % 77,6 % 67,7 % 78,2 %  77,1 %
Lending growth (gross)
previous 12 months
  18,1 % 13,5 % 18,1 % 13,5 %  11,6 %
Average total assets  5 79 353 69 203 76 842 67 976  69 465
Total assets, end of period   81 899 71 579 81 899 71 579  71 172
             
Losses and defaults            
Total loan loss (%)  6 0,06 % 0,14 % (0,03 %) 0,10 %  0,09 %
             
Capital adequacy and
leverage ratio
 7          
Common equity    14,4 % 14,8 % 14,4 % 14,8 %  14,9 %
Core capital   16,0 % 16,2 % 16,0 % 16,2 %  16,3 %
Subordinated capital    19,9 % 18,0 % 17,9 % 18,0 %  18,0 %
Leverage ratio   5,9 % 5,3 % 5,9 % 5,3 %  6,3 %
             
 Shares            
 EPS   1,39  3,32 2,88 4,46  7,19

References


1) Profit after tax (annualised) as a percentage of average equity in the period
2) Net interest income (annualised) as a percentage of average total capital
3) Operating expenses before loss as a percentage of total income
4) Average deposits from customers as a percentage of average loan volume
5) Average total assets in the period
6) Loan losses as a percentage of average loan volume in the period
7) Including 70 per cent of profit for the period
8) Proposed dividend for 2016