Note 8

Operating segments
Result - Q2 2017GroupEliminations/ otherCorporateRetail 1)Real estate brokerage
Net interest income268-81051710
Other operating income63824265
Total income33101291975
Operating costs1513626845
Profit before impairment180-361031130
Impairment on loans, guarantees etc.608-20
Pre tax profit174-36951150
Taxes44    
Profit after tax130    
      
      
Result - 30.06.2017GroupEliminations/ otherCorporateRetail 1)Real estate brokerage
Net interest income529-92073310
Other operating income1292945469
Total income658202523779
Operating costs301595517710
Profit before impairment357-39197200-1
Impairment on loans, guarantees etc.8011-30
Pre tax profit349-39186203-1
Taxes88    
Profit after tax261    
      
      
Key figures - 30.06.2017GroupEliminations/ otherCorporateRetail 1)Real estate brokerage
Loans to customers 1)56 04093517 22337 8820
Deposits from customers 1)33 51462011 53821 3560
Guarantee liabilities1 80301 792110
The deposit-to-loan ratio59.866.367.056.40
Man-years3641525214713
      
      
Result - Q2 2016GroupEliminations/ otherCorporateRetail 1)Real estate brokerage
Net interest income268-101081700
Other operating income1065323255
Total income374431311955
Operating costs1473426825
Profit before impairment22791051130
Impairment on loans, guarantees etc.-30-1-20
Pre tax profit23091061150
Taxes49    
Profit after tax181    
      
      
Result - 30.06.2016GroupEliminations/ otherCorporateRetail 1)Real estate brokerage
Net interest income538-172183370
Other operating income1626643458
Total income700492613828
Operating costs29557561739
Profit before impairment405-8205209-1
Impairment on loans, guarantees etc.-50-1-40
Pre tax profit410-8206213-1
Taxes95    
Profit after tax315    
      
      
Key figures - 30.06.2016GroupEliminations/ otherCorporateRetail 1)Real estate brokerage
Loans to customers 1)51 19299015 20734 9950
Deposits from customers 1)31 59593410 63020 0310
Guarantee liabilities1 66201 65390
The deposit-to-loan ratio61.794.369.957.20
Man-years3811485516216
      
1) The subsidiary, Møre Boligkreditt AS, is part of the Bank’s Retail segment. The mortgage company's main objective is to issue covered bonds for both national and international investors, and the company is part of Sparebanken Møre's long-term financing strategy. Key figures for Møre Boligkreditt AS are displayed in a separate table.
 MØRE BOLIGKREDITT AS
Statement of incomeQ2 2017Q2 2016
Net interest income6162
Other operating income-61
Total income5563
Operating costs99
Profit before impairment on loans4654
Impairment on loans, guarantees etc.00
Pre tax profit4654
Taxes1214
Profit after tax3440
   
   
Statement of income30.06.201730.06.2016
Net interest income118122
Other operating income-115
Total income107127
Operating costs1917
Profit before impairment on loans88110
Impairment on loans, guarantees etc.00
Pre tax profit88110
Taxes2228
Profit after tax6682
   
   
Statement of financial position30.06.201730.06.2016
Loans to and receivables from customers20 53518 137
Total equity1 5691 435