Note 7

Equity and related capital
Core capital and supplementary capital31.03.201631.03.201531.12.2015
Share capital and share premium1 3501 1501 150
Retained earnings32179
Total equity1 3531 1521 329
Dividends00-176
Expected losses exceeding actual losses, IRB portfolios corporate-35-34-32
Common Equity Tier 1 capital1 3181 1181 121
    
Supplementary capital000
Net equity and subordinated loan capital1 3181 1181 121
    
Risk-weighted assets (calculation basis for capital adequacy ratio) 
Credit risk loans and receivables (Standardised Approach)310315301
Credit risk loans and receivables (Internal ratings based Approach)3 6073 2363 345
Operational Risk (Basic indicator Approach)501411411
Total risk exposure amount for credit valuation adjustment (CVA) (SA)482440444
Risk-weighted assets less transitional rules4 9004 4024 500
Additional RWA from transitional rules 1)3 2652 6203 108
Total risk-weighted assets8 1657 0227 608
Minimum requirement common equity Tier 1 capital (4,5%)367316342
    
1) Transitional rules require that RWA can not be less than 80 per cent of the corresponding Basel I requirement
    
Buffer Requirement   
Countercyclical buffer (1.0%)827076
Capital conservation buffer (2.5%)204176190
Systemic risk buffer (3.0%)245211228
Total buffer requirements531456495
Available common equity Tier 1 capital after buffer requirements420346285
    
Capital adequacy as a percentage of the weighted asset calculation basis 
Capital adequacy ratio16,1 %15,9 %14,7 %
Core capital ratio16,1 %15,9 %14,7 %
Core tier 1 capital ratio16,1 %15,9 %14,7 %
    
Leverage ratio 
Leverage ratio6,4 %6,2 %5,8 %
    
Møre Boligkreditt's capital requirements at 31st March 2016 are based on IRB-Foundation for corporate commitments and IRB-Retail for retail commitments