Notes
Note
1
General information
2
Accounting principles
3
Critical estimates and assessments concerning the use of accounting principles
4
Segment information
5
Capital adequacy and capital management
6
Risk factors
Credit risk
7
Credit institutions - loans and advances
8
Loans and advances to customers
9
Derecognition of financial assets
10
Age breakdown of contracts fallen due but not written down
11
Losses on loans and guarantees
12
Credit risk exposure for each internal risk rating
13
Maximum credit risk exposure
14
Financial instruments and offsetting
15
Credit quality per class of financial assets
Market risk
16
Market risk related to interest rate risk
17
Market risk related to currency exposure
Liquidity risk
18
Liquidity risk
Income statement
19
Net interest income
20
Net commission income and other income
21
Net profit/(loss) from financial assets and liabilities
22
Personnel expenses and emoluments to senior employees and elected officers
23
Other operating expenses
24
Pension
25
Income tax
Statement of Financial Position
26
Categories of financial assets and financial liabilities
27
Measurement of fair value of financial instruments
28
Fair value of financial instruments
29
Money market certificates and bonds
30
Financial derivatives
31
Shares, units and other equity interests
32
Intangible assets
33
Property, plant and equipment
34
Other assets
35
Deposits from and liabilities to customers
36
Debt securities in issue
37
Other debt and liabilities
38
Subordinated debt and hybrid equity issue
39
Investments in owner interests
Additional information
40
Business acquisitions/business combinations
41
Significant transactions with related companies
42
ECC capital and ownership structure
43
Dividends from subsidiaries
44
Subsequent events
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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
Downloads
Notes
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