Note 7

Equity and related capital
Core capital and supplementary capital31.03.201731.03.201631.12.2016
Share capital and share premium1 5001 3501 350
Retained earnings33159
Total equity1 5031 3531 509
Dividends00-156
Expected losses exceeding actual losses, IRB portfolios-36-35-39
Common Equity Tier 1 capital1 4671 3181 313
    
Supplementary capital000
Net equity and subordinated loan capital1 4671 3181 313
    
Risk-weighted assets (calculation basis for capital adequacy ratio)  
Credit risk loans and receivables (Standardised Approach)262310250
Credit risk loans and receivables (Internal ratings based Approach)3 6523 6074 083
Operational Risk (Basic indicator Approach)505501501
Total risk exposure amount for credit valuation adjustment (CVA) (SA)290482300
Risk-weighted assets less transitional rules4 7094 9005 134
Additional RWA from transitional rules 1)3 4643 2653 587
Total risk-weighted assets8 1738 1658 722
Minimum requirement common equity Tier 1 capital (4.5%)368367392
    
1) Transitional rules require that RWA can not be less than 80 per cent of the corresponding Basel I requirement
    
Buffer Requirement   
Countercyclical buffer (1.5%)1238287
Capital conservation buffer (2.5%)204204218
Systemic risk buffer (3.0%)245245262
Total buffer requirements572531567
Available common equity Tier 1 capital after buffer requirements527420354
    
Capital adequacy as a percentage of the weighted asset calculation basis
Capital adequacy ratio17.9 %16.1 %15.1 %
Core capital ratio17.9 %16.1 %15.1 %
Core tier 1 capital ratio17.9 %16.1 %15.1 %
    
Leverage ratio  
Leverage ratio7.3 %6.4 %6.1 %
    
Liquidity Coverage Ratio  
Liquidity Coverage Ratio204% 119%
    
Møre Boligkreditt AS' capital requirements at 31st March 2017 are based on IRB-Foundation for commercial commitments and IRB-Retail for retail commitments