Note 8

Operating segments
Result - Q3 2016GroupEliminations/ otherCorporateRetail 1)Real estate brokerage
Net interest income278-51071760
Other operating income742221265
Total income352171282025
Operating costs1482629885
Profit before impairment204-9991140
Impairment on loans, guarantees etc.55000
Pre tax profit199-14991140
Taxes47    
Profit after tax152    
      
      
Result - 30.09.2016GroupEliminations/ otherCorporateRetail 1)Real estate brokerage
Net interest income803-353255130
Other operating income23688647113
Total income1 0395338958413
Operating costs443838526114
Profit before impairment596-30304323-1
Impairment on loans, guarantees etc.05-1-40
Pre tax profit596-35305327-1
Taxes138    
Profit after tax458    
      
      
Key figures - 30.09.2016GroupEliminations/ otherCorporateRetail 1)Real estate brokerage
Loans to customers 1)51 75388515 19435 6740
Deposits from customers 1)32 35055511 99419 8010
Guarantee liabilities1 64201 63480
The deposit-to-loan ratio62,562,778,955,50
Man-years3781525415814
      
      
Result - Q3 2015GroupEliminations/ otherCorporateRetail 1)Real estate brokerage
Net interest income283-31201660
Other operating income33-2824325
Total income316-311441985
Operating costs1462131904
Profit before impairment170-521131081
Impairment on loans, guarantees etc.1037-26-10
Pre tax profit160-891391091
Taxes46    
Profit after tax114    
      
      
Result - 30.09.2015GroupEliminations/ otherCorporateRetail 1)Real estate brokerage
Net interest income813-163514780
Other operating income165-2698216
Total income978-1842056016
Operating costs437758526314
Profit before impairment541-933352972
Impairment on loans, guarantees etc.2571-44-20
Pre tax profit516-1643792992
Taxes141    
Profit after tax375    
      
      
Key figures - 30.09.2015GroupEliminations/ otherCorporateRetail 1)Real estate brokerage
Loans to customers 1)51 4191 04716 87233 5000
Deposits from customers 1)29 2861 0619 36118 8640
Guarantee liabilities1 70801 70080
The deposit-to-loan ratio57,0101,355,556,30
Man-years3881545516415
      
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 incomeQ3 2016Q3 2015
Net interest income6166
Other operating income1-3
Total income6263
Operating costs87
Profit before impairment on loans5456
Impairment on loans, guarantees etc.00
Pre tax profit5456
Taxes1315
Profit after tax4141
   
   
Statement of income30.09.201630.09.2015
Net interest income183208
Other operating income64
Total income189212
Operating costs2523
Profit before impairment on loans164189
Impairment on loans, guarantees etc.02
Pre tax profit164187
Taxes4150
Profit after tax123137
   
   
Statement of financial position30.09.201630.09.2015
Loans to and receivables from customers18 00516 940
Total equity1 4761 290