BackNote 2
Operating segments
Møre Boligkreditt AS has only one segment in its business and here the customers derive mainly from the retail banking market. The following tables contain details of loans to customers by sector, business activity and geographical area.
| (MNOK) | Loans | ||
|---|---|---|---|
| Broken down according to sectors | 30.06.2016 | 30.06.2015 | 31.12.2015 |
| Agriculture and forestry | 1 | 3 | 1 |
| Fisheries | 0 | 0 | 0 |
| Manufacturing | 9 | 7 | 9 |
| Building and construction | 24 | 26 | 26 |
| Wholesale and retail trade, hotels | 8 | 7 | 6 |
| Property management | 261 | 247 | 250 |
| Transport and private/public services | 58 | 55 | 59 |
| Public entities | 0 | 0 | 0 |
| Activities abroad | 0 | 0 | 0 |
| Miscellaneous | 0 | 0 | 0 |
| Total corporate/public entities | 361 | 345 | 351 |
| Retail customers | 17 760 | 15 668 | 16 544 |
| Accrued interest income | 20 | 21 | 16 |
| Loans, nominal amount | 18 141 | 16 034 | 16 911 |
| Collective impairment | -4 | -4 | -4 |
| Loans to and receivables from customers | 18 137 | 16 030 | 16 907 |
| (MNOK) | Net interest income | ||
|---|---|---|---|
| 30.06.2016 | 30.06.2015 | 31.12.2015 | |
| Interest income from: | |||
| Loans to and receivables from credit institutions | 1 | 2 | 6 |
| Loans to and receivables from customers | 245 | 282 | 541 |
| Certificates, bonds and other interest-bearing securities | 3 | 2 | 4 |
| Interest income | 249 | 286 | 551 |
| Interest expenses in respect of: | |||
| Loans from credit institutions | 10 | 11 | 20 |
| Debt securities issued | 117 | 133 | 258 |
| Interest expenses | 127 | 144 | 278 |
| Net interest income | 122 | 142 | 273 |