Key figures group

	2016		2015		2014		2013		2012
Income statement
	NOK million	%	NOK million	%	NOK million	%	NOK million	%	NOK million	%
Net interest income	1 082	1.79	1 098	1.89	1 093	2.01	1 042	2.00	936	1.93
Net commission and other operating income	182	0.30	193	0.33	180	0.33	174	0.34	180	0.37
Net return from financial investments	99	0.16	12	0.02	135	0.25	28	0.05	110	0.23
Total income	1 363	2.25	1 303	2.24	1 408	2.59	1 244	2.39	1 226	2.53
Total operating costs	586	0.97	561	0.96	564	1.04	569	1.09	605	1.24
Pension plan changes									-166	-0.34
Profit before impairment on loans	777	1.28	742	1.28	844	1.55	675	1.30	787	1.63
Impairment on loans, guarantees etc.	22	0.04	50	0.09	22	0.04	54	0.10	47	0.10
Pre tax profit	755	1.24	692	1.19	822	1.51	621	1.20	740	1.53
Tax	181	0.30	189	0.32	199	0.36	171	0.33	210	0.43
Profit after tax	574	0.94	503	0.87	623	1.15	450	0.87	530	1.10

NOK million	2016	2015	2014	2013	2012
Statement of financial position
Total assets	61 593	60 120	56 305	54 627	51 632
Average assets	60 525	58 113	54 455	52 104	48 530
Loans to and receivables from customers	52 691	51 286	48 884	46 241	43 434
Loans to retail customers	37 133	34 822	32 245	30 454	27 650
Loans to corporate and public entities	15 734	16 526	16 817	15 974	16 090
Deposits from customers	32 562	29 389	28 389	28 068	27 081
Deposits from retail customers	18 675	17 829	17 024	15 999	15 221
Deposits from corporate and public entities	13 877	11 550	11 358	12 057	11 860
Lending growth as a percentage	2.7	4.9	5.7	6.2	7.8
Deposit growth as a percentage	10.8	3.5	1.1	3.6	6.9

	2016	2015	2014	2013	2012
Key figures
Return on equity	11.6	10.7	14.0	11.6	16.3
Costs as a percentage of income	43.0	43.0	40.1	45.7	35.4
Losses as a percentage of loans 1.1	0.04	0.10	0.05	0.12	0.12
Problem loans as a percentage of loans (prior to impairment)	1.16	0.47	0.80	1.16	1.34
Problem loans as a percentage of loans (after impairment)	1.01	0.32	0.51	0.80	0.96
Deposits to lending ratio	61.8	57.3	58.1	60.8	62.3
Liquidity Coverage Ratio (LCR)	91.0	123.0	127.0
Capital adequacy ratio 1)	18.6	18.1	15.8	17.0	14.6
Core capital as a percentage 1)	17.0	16.6	14.4	15.5	13.7
Core tier 1 capital as a percentage 1)	14.6	14.1	12.0	12.5	10.6
Leverage Ratio (LR)	8.5	8.0	7.9
Man-years	378	388	383	391	410
Equity Certificates:
Profit per EC (Group) (NOK)	28.80	25.25	31.20	21.65	31.05
Profit per EC (Parent Bank) (NOK)	29.85	25.70	29.10	18.45	27.75
Dividend per EC (NOK)	14.00	11.50	13.50	8.00	12.00
EC fraction 1.1 as a percentage (Parent Bank)	49.6	49.6	49.6	47.7	46.0
Price at Oslo Stock Exchange (NOK)	254	188	216	198	160
Price/Book value (P/B) (Group)	0.94	0.74	0.89	0.89	0.73
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.