Note 7

Equity and related capital
Core capital and supplementary capital30.06.201730.06.201631.12.2016
Share capital and share premium1 5001 3501 350
Retained earnings33159
Total equity1 5031 3531 509
Dividends00-156
Expected losses exceeding actual losses, IRB portfolios-38-39-39
Common Equity Tier 1 capital1 4651 3141 313
    
Supplementary capital000
Net equity and subordinated loan capital1 4651 3141 313
    
Risk-weighted assets (calculation basis for capital adequacy ratio)  
Credit risk loans and receivables (Standardised Approach)243319250
Credit risk loans and receivables (Internal ratings based Approach)3 9763 7084 083
Operational Risk (Basic indicator Approach)505501501
Total risk exposure amount for credit valuation adjustment (CVA) (SA)307455300
Risk-weighted assets less transitional rules5 0314 9835 134
Additional RWA from transitional rules 1)4 0133 2003 587
Total risk-weighted assets9 0448 1838 722
Minimum requirement common equity Tier 1 capital (4.5%)407368392
    
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%)1368287
Capital conservation buffer (2.5%)226205218
Systemic risk buffer (3.0%)271245262
Total buffer requirements633532567
Available common equity Tier 1 capital after buffer requirements425414354
    
Capital adequacy as a percentage of the weighted asset calculation basis
Capital adequacy ratio16.2 %16.0 %15.1 %
Core capital ratio16.2 %16.0 %15.1 %
Core tier 1 capital ratio16.2 %16.0 %15.1 %
    
Leverage ratio  
Leverage ratio6.7 %6.4 %6.1 %
    
Liquidity Coverage Ratio  
Liquidity Coverage Ratio156%355%119%
    
Møre Boligkreditt AS' capital requirements at 30th June 2017 are based on IRB-Foundation for commercial commitments and IRB-Retail for retail commitments