Key figures Group

	2018		2017		2016		2015		2014
Income statement
	NOK million	%	NOK million	%	NOK million	%	NOK million	%	NOK million	%
Net interest income	1 179	1.70	1 100	1.72	1 082	1.79	1 098	1.89	1 093	2.01
Net commission and other operating income	207	0.30	194	0.30	182	0.30	193	0.33	180	0.33
Net return from financial investments	41	0.06	48	0.08	99	0.16	12	0.02	135	0.25
Total income	1 427	2.06	1 342	2.10	1 363	2.25	1 303	2.24	1 408	2.59
Total operating costs	603	0.87	590	0.92	586	0.97	561	0.96	564	1.04
Profit before impairment on loans	824	1.19	752	1.18	777	1.28	742	1.28	844	1.55
Impairment on loans, guarantees etc.	16	0.02	13	0.02	22	0.04	50	0.09	22	0.04
Pre tax profit	808	1.17	739	1.16	755	1.24	692	1.19	822	1.51
Tax	203	0.29	182	0.28	181	0.30	189	0.32	199	0.36
Profit after tax	605	0.88	557	0.88	574	0.94	503	0.87	623	1.15

Statement of financial position
NOK million	2018	2017	2016	2015	2014
Total assets	71 074	66 491	61 593	60 120	56 305
Average assets *	69 373	64 000	60 525	58 113	54 455
Loans to and receivables from customers	60 346	56 867	52 691	51 286	48 884
Loans to retail customers	41 917	39 817	37 133	34 822	32 245
Loans to corporate and public entities	18 616	17 168	15 734	16 526	16 817
Deposits from customers	34 414	32 803	32 562	29 389	28 389
Deposits from retail customers	20 624	19 688	18 675	17 829	17 024
Deposits from corporate and public entities	13 790	13 101	13 877	11 550	11 358
Lending growth as a percentage	6.1	7.9	2.7	4.9	5.7
Deposit growth as a percentage	4.9	0.7	10.8	3.5	1.1
* Average assets is calculated as a daily average of the Group's total assets throughout the year.

	2018	2017	2016	2015	2014
Key figures
Return on equity 1)	10.6	10.4	11.6	10.7	14.0
Cost income ratio	42.3	44.0	43.0	43.0	40.1
Losses as a percentage of loans as of 1.1.	0.03	0.02	0.04	0.10	0.05
Gross problem loans as a percentage of loans	0.62	0.57	1.12	0.47	0.80
Net problem loans as a percentage of loans	0.46	0.40	0.98	0.32	0.51
Deposit-to-loan ratio	57.0	57.7	61.8	57.3	58.1
Liquidity Coverage Ratio (LCR)	158	159	91	123	127
Capital adequacy ratio 2)	19.6	18.4	18.6	18.1	15.8
Tier 1 capital ratio 2)	17.6	16.8	17.0	16.6	14.4
Common Equity Tier 1 capital (CET 1) 2)	16.0	15.0	14.6	14.1	12.0
Leverage Ratio (LR)	8.1	8.2	8.5	8.0	7.9
Man-years	361	359	378	388	383
Equity Certificates:
Profit per EC (Group) (NOK) 3)	29.80	27.70	28.80	25.25	31.20
Profit per EC (Parent Bank) (NOK) 3)	28.35	27.00	29.85	25.70	29.10
Dividend per EC (NOK)	15.50	14.00	14.00	11.50	13.50
EC-fraction 1.1. as a percentage (Parent Bank)	49.6	49.6	49.6	49.6	49.6
Price at Oslo Stock Exchange (NOK)	283	262	254	188	216
Price/Book value (P/B) (Group)	0.93	0.91	0.93	0.73	0.89
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 30 June 2014.
3) Calculated using the EC-holder's share (49.6 %) of the period's profit to be allocated to equity owners.