Auditor's report
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Financial results
Report of the Board of Directors
Income statement
Statement of Financial Position
Statement of Changes in Equity
Cash flow statement
Notes
Financial summary (Group)
Statement in compliance with the securities trading act, section 5-5
Auditor's report
Annual report and notes
Annual report and notes
Income statement
Statement of Financial Position
Note 1 - General information
Note 2 - 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
Note 14 - Financial instruments and offsetting
Note 15 - Credit quality per class of financial assets
Note 16 - Market risk related to interest rate risk
Note 17 - Market risk related to currency exposure
Note 18 - Liquidity risk
Note 19 - Net interest income
Note 20 - Net commission income and other income
Note 21 - Net profit/(loss) from financial assets and liabilities
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 - Categories of financial assets and financial liabilities
Note 27 - Measurement of fair value of financial instruments
Note 28 - Fair value of financial instruments
Note 29 - Money market certificates and bonds
Note 30 - Financial derivatives
Note 31 - Shares, units and other equity interests
Note 32 - Intangible assets
Note 33 - Property, plant and equipment
Note 34 - Other assets
Note 35 - Deposits from and liabilities to customers
Note 36 - Debt securities in issue
Note 37 - Other debt and liabilities
Note 38 - Subordinated debt and hybrid equity issue
Note 39 - Investments in owner interests
Note 40 - Business acquisitions/business combinations
Note 41 - Significant transactions with related companies
Note 42 - ECC capital and ownership structure
Note 43 - Dividends from subsidiaries
Note 44 - Subsequent events
Downloads
Auditor's report
Financial results
Annual report
Annual report 2016
About the bank
Statement by the Group CEO
Key goals and strategies
Close at hand
The story of SpareBank 1 SMN
The business
Business description
Retail Banking
Corporate Banking
Digital Trend
Associates and subsidiaries
The SpareBank 1 Alliance
The people - the bank’s greatest asset
Corporate social responsibility
Corporate social responsibility
Governance
Group Management
Board of Directors
Elected officers
Corporate governance
MING
Equity capital certificate
Financial results
Report of the Board of Directors
Income statement
Statement of Financial Position
Statement of Changes in Equity
Cash flow statement
Notes
Financial summary (Group)
Statement in compliance with the securities trading act, section 5-5
Auditor's report
