Key figures Group

Income statement
	2019		2018		2017		2016		2015
	NOK million	%	NOK million	%	NOK million	%	NOK million	%	NOK million	%
Net interest income	1 314	1.79	1 179	1.70	1 100	1.72	1 082	1.79	1 098	1.89
Net commission and other operating income	219	0.30	207	0.30	194	0.30	182	0.30	193	0.33
Net return from financial investments	74	0.10	41	0.06	48	0.08	99	0.16	12	0.02
Total income	1 607	2.19	1 427	2.06	1 342	2.10	1 363	2.25	1 303	2.24
Total operating costs	646	0.88	607	0.87	590	0.92	586	0.97	561	0.96
Profit before impairment on loans	961	1.31	820	1.19	752	1.18	777	1.28	742	1.28
Impairment on loans, guarantees etc.	50	0.07	16	0.02	13	0.02	22	0.04	50	0.09
Pre tax profit	911	1.24	804	1.17	739	1.16	755	1.24	692	1.19
Tax	200	0.27	199	0.28	182	0.28	181	0.30	189	0.32
Profit after tax	711	0.97	605	0.89	557	0.88	574	0.94	503	0.87

Statement of financial position
(NOK million)	31.12.2019	31.12.2018	31.12.2017	31.12.2016	31.12.2015
Total assets 3)	74 875	71 040	66 491	61 593	60 120
Average assets 3)	73 496	69 373	64 000	60 525	58 113
Loans to and receivables from customers	64 029	60 346	56 867	52 691	51 286
Gross loans to retail customers	43 815	41 917	39 817	37 133	34 822
Gross loans to corporate and public entities	20 441	18 616	17 168	15 734	16 526
Deposits from customers	36 803	34 414	32 803	32 562	29 389
Deposits from retail customers	21 685	20 624	19 688	18 675	17 829
Deposits from corporate and public entities	15 118	13 790	13 101	13 877	11 550
Lending growth as a percentage 3)	6.1	6.1	7.9	2.7	4.9
Deposit growth as a percentage 3)	6.9	4.9	0.7	10.8	3.5

Key figures
	2019	2018	2017	2016	2015
Return on equity 1) 3)	11.7	10.6	10.4	11.6	10.7
Cost income ratio 3)	40.2	42.5	44.0	43.0	43.0
Losses as a percentage of loans as of 1.1. 3)	0.08	0.03	0.02	0.04	0.10
Gross doubtful commitments as a percentage of loans/guarantees	1.48	0.62	0.57	1.12	0.47
Net doubtful commitments as a percentage of loans/guarantees	1.12	0.42	0.40	0.98	0.32
Deposit-to-loan ratio 3)	57.5	57.0	57.7	61.8	57.3
Liquidity Coverage Ratio (LCR)	165	158	159	91	123
Capital adequacy ratio	21.5	19.6	18.4	18.6	18.1
Tier 1 capital ratio	19.3	17.6	16.8	17.0	16.6
Common Equity Tier 1 capital (CET 1)	17.4	16.0	15.0	14.6	14.1
Leverage Ratio (LR)	8.0	8.1	8.2	8.5	8.0
Man-years	357	361	359	378	388
Equity Certificates:
Profit per EC (Group) (NOK) 2)	34.50	29.60	27.70	28.80	25.25
Profit per EC (Parent Bank) (NOK) 2)	32.00	28.35	27.00	29.85	25.70
Dividend per EC (NOK)	17.50	15.50	14.00	14.00	11.50
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)	317	283	262	254	188
Book value per EC, in NOK (Group figure, incl. proposed dividend)	320	303	289	275	257
Price/Book value (P/B) (Group) 3)	0.99	0.93	0.91	0.93	0.73
1) Calculated using the share of the profit to be allocated to equity owners.
2) Calculated using the EC-holder's share (49.6 %) of the period's profit to be allocated to equity owners.
3) Defined as Alternative Performance Measure (APM), see attachment to the Annual Report.