Key figures Group

Income statement
	2020		2019		2018		2017		2016
	NOK million	%	NOK million	%	NOK million	%	NOK million	%	NOK million	%
Net interest income	1 228	1.57	1 314	1.79	1 179	1.70	1 100	1.72	1 082	1.79
Net commission and other operating income	211	0.27	219	0.30	207	0.30	194	0.30	182	0.30
Net return from financial investments	74	0.09	74	0.10	41	0.06	48	0.08	99	0.16
Total income	1 513	1.93	1 607	2.19	1 427	2.06	1 342	2.10	1 363	2.25
Total operating costs	630	0.80	646	0.88	607	0.87	590	0.92	586	0.97
Profit before impairment on loans	883	1.13	961	1.31	820	1.19	752	1.18	777	1.28
Impairment on loans, guarantees etc.	149	0.19	50	0.07	16	0.02	13	0.02	22	0.04
Pre tax profit	734	0.94	911	1.24	804	1.17	739	1.16	755	1.24
Tax	167	0.21	200	0.27	199	0.28	182	0.28	181	0.30
Profit after tax	567	0.73	711	0.97	605	0.89	557	0.88	574	0.94

Statement of financial position
(NOK million)	31.12.2020	31.12.2019	31.12.2018	31.12.2017	31.12.2016
Total assets 3)	79 486	74 875	71 040	66 491	61 593
Average assets 3)	78 450	73 496	69 373	64 000	60 525
Loans to and receivables from customers	66 850	64 029	60 346	56 867	52 691
Gross loans to retail customers	45 592	43 847	41 917	39 817	37 133
Gross loans to corporate and public entities	21 534	20 441	18 616	17 168	15 734
Deposits from customers	39 023	36 803	34 414	32 803	32 562
Deposits from retail customers	23 366	21 685	20 624	19 688	18 675
Deposits from corporate and public entities	15 657	15 118	13 790	13 101	13 877
Lending growth as a percentage 3)	4.4	6.1	6.1	7.9	2.7
Deposit growth as a percentage 3)	6.0	6.9	4.9	0.7	10.8

Key figures
	2020	2019	2018	2017	2016
Return on equity 1) 3)	8.6	11.7	10.6	10.4	11.6
Cost income ratio 3)	41.6	40.2	42.5	44.0	43.0
Losses as a percentage of loans as of 1.1. 3)	0.23	0.08	0.03	0.02	0.04
Gross credit-impaired commitments as a percentage of loans/guarantees	1.53	1.48	0.62	0.57	1.12
Net credit-impaired commitments as a percentage of loans/guarantees	1.22	1.12	0.42	0.40	0.98
Deposit-to-loan ratio 3)	58.1	57.2	57.0	57.7	61.8
Liquidity Coverage Ratio (LCR)	138	165	158	159	91
Capital adequacy ratio	21.3	21.7	19.6	18.4	18.6
Tier 1 capital ratio	19.2	19.5	17.6	16.8	17.0
Common Equity Tier 1 capital (CET1)	17.5	17.7	16.0	15.0	14.6
Leverage Ratio (LR)	8.0	8.1	8.1	8.2	8.5
Man-years	346	357	361	359	378
Equity Certificates:
Profit per EC (Group) (NOK) 2)	27.10	34.50	29.60	27.70	28.80
Profit per EC (Parent Bank) (NOK) 2)	26.83	32.00	28.35	27.00	29.85
Dividend per EC (NOK)	4.50	14.00	15.50	14.00	14.00
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)	296	317	283	262	254
Book value per EC, in NOK (Group figure, incl. proposed dividend)	332	320	303	289	275
Price/Book value (P/B) (Group) 3)	0.89	0.99	0.93	0.91	0.93
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.