Auditor's report
Next
Previous
Financial results
Report of the Board of Directors
Income statement
Balance sheet
Change of equity
Cash flow statement
Notes
Financial summary (Group)
Equity capital certificates
Statement in compliance with the securities trading act, section 5-5
Auditor's report
Control committee's report
Annual report and notes
Annual report and notes
Income statement
Balance sheet
Note 1 - General information
Note 2 - IFRS accounting principles
Note 3 - Risk factors
Note 4 - Critical estimates and assessments concerning the use of accounting principles
Note 5 - Segment information
Note 6 - Net interest income
Note 7 - Net commission income and other income
Note 8 - Net profit/(loss) from financial assets
Note 9 - Personnel expenses and emoluments to senior employees and elected officers
Note 10 - Other operating expenses
Note 11 - Income tax
Note 12 - Credit institutions - loans and advances
Note 13 - Loans and advances to customers
Note 14 - Age breakdown of contracts fallen due but not written down
Note 15 - Losses on loans and guarantees
Note 16 - Credit risk exposure for each internal risk rating
Note 17 - Maximum credit risk exposure, disregarding collateral
Note 18 - Credit quality per class of financial assets
Note 19 - Money market certificates and bonds
Note 20 - Financial derivatives
Note 21 - Shares, units and other equity interests
Note 22 - Measurement of fair value of financial instruments
Note 23 - Fair value of financial instruments
Note 24 - Investments in owner interests
Note 25 - Business acquisitions/business combinations
Note 26 - Significant transactions with related companies
Note 27 - Property, plant and equipment
Note 28 - Goodwill
Note 29 - Other assets
Note 30 - Deposits from and liabilities to customers
Note 31 - Debt securities in issue
Note 32 - Other debt and liabilities
Note 33 - Pension
Note 34 - Subordinated debt and hybrid equity issue
Note 35 - Capital adequacy and capital management
Note 36 - ECC capital and ownership structure
Note 37 - Dividends/groups contributions from subsidiaries
Note 38 - Maturity analysis of assets and liabilities
Note 39 - Liquidity risk
Note 40 - Market risk related to interest rate risk
Note 41 - Market risk related to currency exposure
Note 42 - Subsequent events
Downloads
Auditor's report
Financial results
Annual report
Annual report 2011
General information
This is SpareBank 1 SMN
Financial summary, last ten years
Key goals and strategies
The story of SpareBank 1 SMN
Contact information
Business 2011
Statement by the Group CEO
Important events in 2011
Business description
Affiliates and subsidiaries
Corporate social responsibility
Governance
Group management
Board of Directors
Elected officers
Corporate governance
Risk management and capital allocation
Financial results
Report of the Board of Directors
Income statement
Balance sheet
Change of equity
Cash flow statement
Notes
Financial summary (Group)
Equity capital certificates
Statement in compliance with the securities trading act, section 5-5
Auditor's report
Control committee's report
