Key figures Group

	2017		2016		2015		2014		2013
Income statement
	NOK million	%	NOK million	%	NOK million	%	NOK million	%	NOK million	%
Net interest income	1 100	1.72	1 082	1.79	1 098	1.89	1 093	2.01	1 042	2.00
Net commission and other operating income	194	0.30	182	0.30	193	0.33	180	0.33	174	0.34
Net return from financial investments	48	0.08	99	0.16	12	0.02	135	0.25	28	0.05
Total income	1 342	2.10	1 363	2.25	1 303	2.24	1 408	2.59	1 244	2.39
Total operating costs	590	0.92	586	0.97	561	0.96	564	1.04	569	1.09
Profit before impairment on loans	752	1.18	777	1.28	742	1.28	844	1.55	675	1.30
Impairment on loans, guarantees etc.	13	0.02	22	0.04	50	0.09	22	0.04	54	0.10
Pre tax profit	739	1.16	755	1.24	692	1.19	822	1.51	621	1.20
Tax	182	0.28	181	0.30	189	0.32	199	0.36	171	0.33
Profit after tax	557	0.88	574	0.94	503	0.87	623	1.15	450	0.87

NOK million	2017	2016	2015	2014	2013
Statement of financial position
Total assets	66 491	61 593	60 120	56 305	54 627
Average assets	64 000	60 525	58 113	54 455	52 104
Loans to and receivables from customers	56 867	52 691	51 286	48 884	46 241
Loans to retail customers	39 817	37 133	34 822	32 245	30 454
Loans to corporate and public entities	17 168	15 734	16 526	16 817	15 974
Deposits from customers	32 803	32 562	29 389	28 389	28 068
Deposits from retail customers	19 688	18 675	17 829	17 024	15 999
Deposits from corporate and public entities	13 101	13 877	11 550	11 358	12 057
Lending growth as a percentage	7.9	2.7	4.9	5.7	6.2
Deposit growth as a percentage	0.7	10.8	3.5	1.1	3.6

	2017	2016	2015	2014	2013
Key figures
Return on equity 1)	10.4	11.6	10.7	14.0	11.6
Costs/income ratio	44.0	43.0	43.0	40.1	45.7
Losses as a percentage of loans 1.1	0.02	0.04	0.10	0.05	0.12
Problem loans as a percentage of loans (prior to impairment)	0.57	1.12	0.47	0.80	1.16
Problem loans as a percentage of loans (after impairment)	0.40	0.98	0.32	0.51	0.80
Deposits to lending ratio	57.7	61.8	57.3	58.1	60.8
Liquidity Coverage Ratio (LCR)	159	91	123	127
Capital adequacy ratio 2)	18.4	18.6	18.1	15.8	17.0
Tier 1 capital ratio 2)	16.8	17.0	16.6	14.4	15.5
Commone Equity Tier 1 capital (CET1) 2)	15.0	14.6	14.1	12.0	12.5
Leverage Ratio (LR)	8.2	8.5	8.0	7.9
Man-years	359	378	388	383	391
Equity Certificates:
Profit per EC (Group) (NOK) 3)	27.70	28.80	25.25	31.20	21.65
Profit per EC (Parent Bank) (NOK) 3)	27.00	29.85	25.70	29.10	18.45
Dividend per EC (NOK)	14.00	14.00	11.50	13.50	8.00
EC fraction 1.1 as a percentage (Parent Bank)	49.6	49.6	49.6	49.6	47.7
Price at Oslo Stock Exchange (NOK)	262	254	188	216	198
Price/Book value (P/B) (Group)	0.91	0.93	0.73	0.89	0.88
1) Calculated using the share of the profit to be allocated to equity owners.
2) Calculated according to IRB in Basel II incl. transitional rule in Basel I. IRB-Retail for retailmarket as of 31.03.15 and IRB-Foundation for corporate commitments from 30th June 2014.
3) Calculated using the EC-holder's share (49.6 %) of the period's profit to be allocated to equity owners.