Note 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.

(MNOK)Loans
Broken down according to sectors30.09.201630.09.201531.12.2015
Commercial sector373351351
Retail customers17 61716 57216 544
Accrued interest income192116
Loans, nominal amount18 00916 94416 911
Collective impairment-4-4-4
Loans to and receivables from customers18 00516 94016 907
(MNOK)Net interest income
 30.09.201630.09.201531.12.2015
Interest income from:   
Loans to and receivables from credit institutions246
Loans to and receivables from customers367413541
Certificates, bonds and other interest-bearing securities434
Interest income373420551
Interest expenses in respect of:   
Loans from credit institutions151520
Debt securities issued175197258
Interest expenses190212278
Net interest income183208273