Main figures, last ten years

From the income statement (mNOK) 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
Net interest and credit commission income 1,872 1,790 1,616 1,477 1,392 1,317 1,325 1,350 1,139 1,024
Commision and fee income 1,545 1,512 1,463 1,139 919 855 756 610 671 580
Operating expenses -1,931 -1,789 -1,722 -1,654 -1,482 -1,140 -1,253 -1,194 -1,103 -990
Operating profit before losses and return
on financial investments		 1,486 1,513 1,357 962 829 1,032 828 766 707 613
Income from investment in related companies 448 527 355 244 248 276 349 393 233 190
Return on financial investements 11 193 147 207 186 133 247 -186 99 229
Loan losses and gains / write-downs on
disposals of fixed assets		 169 89 101 58 27 132 277 202 -6 -84
Pre-tax operating profit 1,776 2,143 1,758 1,355 1,236 1,309 1,147 771 1,045 1,116
                     
From the balance sheet (mNOK)                    
Total assets 131,914 126,047 115,360 107,919 101,455 97,992 84,541 84,679 71,503 63,178
Outstanding loans (gross) 93,974 90,339 80,317 74,943 73,105 69,847 61,782 64,016 59,178 52,819
Outstanding loans including transf.
SpareBank 1 Boligkreditt (gross)		 127,378 120,196 112,038 104,909 95,232 87,665 77,429 71,317 61,910  
Gross loans in retail market 80,725 74,004 68,515 62,587 55,034 49,619 45,157 42,679 38,872 33,898
Gross loans in corporate market 46,653 46,192 43,523 42,322 40,198 38,046 32,272 28,638 23,038 18,921
Deposits 64,090 60,655 56,074 52,252 47,871 42,786 37,227 35,280 32,434 30,136
Deposits from retail market 28,336 26,479 23,865 22,279 20,860 19,052 17,898 17,566 16,070 14,707
Deposits from corporate market 35,754 34,176 32,209 29,973 27,011 23,734 19,330 17,715 16,364 15,429
Growth in lending, % 5.8 % 7.3 % 6.8 % 10.2 % 8.6 % 13.2 % 8.6 % 15.2 % 17.2 % 16.6 %
Growth in deposits, % 5.60 % 8.20 % 7.30 % 9.20 % 11.9 % 14.9 % 5.5 % 8.8 % 7.6 % 11.4 %
                     
Key figures and ratios                     
Return on equity 10.7 % 15.1 % 13.3 % 11.7 % 12.8 % 14.6 % 16.2 % 11.9 % 18.9 % 23.7 %
Cost-income ratio  49.8 % 44.5 % 48.1 % 54.0 % 53.2 % 44.2 % 46.8 % 55.1 % 51.5 % 49.0 %
                     
CET 1 Capital 13.6 % 11.2 % 11.1 % 10.0 % 8.9 % 9.3 % 7.7 % 7.1 % 7.4 % 7.5 %
Core capital ratio 15.6 % 13.0 % 13.0 % 11.4 % 10.4 % 10.9 % 10.5 % 8.1 % 8.4 % 8.6 %
Capital adequacy ratio 18.3 % 15.7 % 14.7 % 13.3 % 12.0 % 13.0 % 13.6 % 11.9 % 12.1 % 11.9 %
                     
No. of staff 1,273 1,273 1,238 1,216 1,153 1,117 1,108 1,062 1,017 950
No. of person-years worked 1,208 1,192 1,192 1,135 1,109 1,035 1,017 973 940 841
No. of branches 49 49 50 51 54 54 55 56 56 58
                     
Key figures EC 
                    
EC ratio 64.0 % 64.6 % 64.6 % 64.6 % 60.6 % 61.3 % 54.8 % 56.3 % 54.2 % 53.7 %
Number of Ecs issued (m) 129.83 129.83 129.83 129.83 102.76 102.74 82.78 82.41 76.65 71.7
EC price (NOK) 50.5 58.5 55 34.8 36.31 49.89 45.06 21 50.28 56.72
Market value (mNOK) 6,556 7,595 7,141 4,518 3,731 5,124 3,749 1,750 3,900 4,140
Profit per EC (NOK) 7.02 8.82 6.92 5.21 6.06 5.94 6.37 4.16 5.86 6.24
Dividend per EC (NOK) 2.25 2.25 1.75 1.5 1.85 2.77 2.1 2.77 3.9 3.04
Booked equity capital per EC
(including dividend)		 67.65 62.04 55.69 50.09 48.91 46.17 42.11 38.07 36.43 33.31
P/E 7.19 6.63 7.95 6.68 5.99 8.4 7.29 5.09 8.87 9.38
Price/Booked equity capital 0.75 0.94 0.99 0.69 0.74 1.07 1.09 0.57 1.43 1.76
                     
© SpareBank 1 SMN