Auditor's report
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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 - Critical estimates and assessments concerning the use of accounting principles
Note 4 - Segment information
Note 5 - Capital adequacy and capital management
Note 6 - Risk factors
Note 7 - Credit institutions - loans and advances
Note 8 - Loans and advances to customers
Note 9 - Derecognition of financial assets
Note 10 - Age breakdown of contracts fallen due but not written down
Note 11 - Losses on loans and guarantees
Note 12 - Credit risk exposure for each internal risk rating
Note 13 - Maximum credit risk exposure, disregarding collateral
Note 14 - Credit quality per class of financial assets
Note 15 - Market risk related to interest rate risk
Note 16 - Market risk related to currency exposure
Note 17 - Liquidity risk
Note 18 - Maturity analysis of assets and liabilities
Note 19 - Net interest income
Note 20 - Net commission income and other income
Note 21 - Net profit/(loss) from financial assets
Note 22 - Personnel expenses and emoluments to senior employees and elected officers
Note 23 - Other operating expenses
Note 24 - Pension
Note 25 - Income tax
Note 26 - Measurement of fair value of financial instruments
Note 27 - Fair value of financial instruments
Note 28 - Money market certificates and bonds
Note 29 - Financial derivatives
Note 30 - Shares, units and other equity interests
Note 31 - Goodwill
Note 32 - Property, plant and equipment
Note 33 - Other assets
Note 34 - Deposits from and liabilities to customers
Note 35 - Debt securities in issue
Note 36 - Other debt and liabilities
Note 37 - Subordinated debt and hybrid equity issue
Note 38 - Investments in owner interests
Note 39 - Business acquisitions/business combinations
Note 40 - Significant transactions with related companies
Note 41 - ECC capital and ownership structure
Note 42 - Dividends/groups contributions from subsidiaries
Note 43 - Subsequent events
Downloads
Auditor's report
Financial results
Annual report
Annual report 2012
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 2012
Statement by the Group CEO
Important events in 2012
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
