Key figures group

	2015		2014		2013		2012		2011
Income statement
	MNOK	%	MNOK	%	MNOK	%	MNOK	%	MNOK	%
Net interest income	1 098	1.89	1 093	2.01	1 042	2.00	936	1.93	909	1.96
Net commission and other operating income	193	0.33	180	0.33	174	0.34	180	0.37	171	0.37
Net return from financial investments	12	0.02	135	0.25	28	0.05	110	0.23	43	0.09
Total income	1 303	2.24	1 408	2.59	1 244	2.39	1 226	2.53	1 123	2.42
Total operating costs	561	0.96	564	1.04	569	1.09	605	1.24	559	1.19
Pension plan changes							-166	-0.34
Profit before impairment on loans	742	1.28	844	1.55	675	1.30	787	1.63	564	1.23
Impairment on loans, guarantees etc.	50	0.09	22	0.04	54	0.10	47	0.10	40	0.09
Pre tax profit	692	1.19	822	1.51	621	1.20	740	1.53	524	1.14
Tax	189	0.32	199	0.36	171	0.33	210	0.43	145	0.31
Profit after tax	503	0.87	623	1.15	450	0.87	530	1.10	379	0.83

NOK million	2015	2014	2013	2012	2011
Statement of financial position
Total assets	60 120	56 305	54 627	51 632	48 468
Average assets	58 113	54 455	52 104	48 530	46 375
Loans to and receivables from customers	51 286	48 884	46 241	43 434	40 305
Loans to retail customers	34 822	32 245	30 454	27 650	25 295
Loans to corporate and public entities	16 706	16 817	15 974	16 090	15 406
Deposits from customers	29 389	28 389	28 068	27 081	25 325
Deposits from retail customers	17 815	17 024	15 999	15 221	14 307
Deposits from corporate and public entities	11 566	11 358	12 057	11 860	11 018
Lending growth as a percentage	4.9	5.7	6.2	7.8	7.0
Deposit growth as a percentage	3.5	1.1	3.6	6.9	3.2

	2015	2014	2013	2012	2011
Key figures
Return on equity	10.7	14.0	11.6	16.3	12.2
Costs as a percentage of income	43.0	40.1	45.7	35.4	49.5
Losses as a percentage of loans 1.1	0.10	0.05	0.12	0.12	0.11
Problem loans as a percentage of loans (prior to impairment)	0.47	0.80	1.16	1.34	1.95
Problem loans as a percentage of loans (after impairment)	0.32	0.51	0.80	0.96	1.30
Deposits to lending ratio	57.3	58.1	60.8	62.3	62.8
Liquidity Coverage Ratio (LCR)	123.0	127.0
Capital adequacy ratio	18.1	15.8	17.0	14.6	13.6
Core capital as a percentage 1)	16.6	14.4	15.5	13.7	12.0
Core tier 1 capital as a percentage 1)	14.1	12.0	12.5	10.6	10.4
Leverage Ratio (LR)	8.0	7.9
Man-years	388	383	391	410	416
Equity Certificates:
Profit per EC (Group) (NOK)	25.25	31.20	21.65	31.05	22.10
Profit per EC (Parent Bank) (NOK)	25.70	29.10	18.45	27.75	23.27
Dividend per EC (NOK)	11.50	13.50	8.00	12.00	8.00
EC fraction 1.1 as a percentage (Parent Bank)	49.6	49.6	47.7	46.0	46.0
Price at Oslo Stock Exchange (NOK)	188	216	198	160	178
Price/Book value (P/B) (Group)	0.74	0.89	0.89	0.73	0.94
1) Sparebanken Møre's capital requirements have been based on IRB-Foundation for corporate commitments from 30th June 2014 and IRB-Retail for retail commitments from 31st March 2015.