Note 7

Equity and related capital
Core capital and supplementary capital30.09.201630.09.201531.12.2015
Share capital and share premium1 3501 1501 150
Retained earnings32179
Total equity1 3531 1521 329
Dividends00-176
Expected losses exceeding actual losses, IRB portfolios-38-35-32
Common Equity Tier 1 capital1 3151 1171 121
    
Supplementary capital000
Net equity and subordinated loan capital1 3151 1171 121
    
Risk-weighted assets (calculation basis for capital adequacy ratio) 
Credit risk loans and receivables (Standardised Approach)202443301
Credit risk loans and receivables (Internal ratings based Approach)3 6573 5543 345
Operational Risk (Basic indicator Approach)501411411
Total risk exposure amount for credit valuation adjustment (CVA) (SA)365432444
Risk-weighted assets less transitional rules4 7254 8404 500
Additional RWA from transitional rules 1)3 2822 8873 108
Total risk-weighted assets8 0077 7277 608
Minimum requirement common equity Tier 1 capital (4,5%)360348342
    
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%)807776
Capital conservation buffer (2.5%)200193190
Systemic risk buffer (3.0%)240232228
Total buffer requirements520502495
Available common equity Tier 1 capital after buffer requirements434267285
    
Capital adequacy as a percentage of the weighted asset calculation basis 
Capital adequacy ratio16,4 %14,5 %14,7 %
Core capital ratio16,4 %14,5 %14,7 %
Core tier 1 capital ratio16,4 %14,5 %14,7 %
    
Leverage ratio 
Leverage ratio6,6 %5,5 %5,8 %
    
Liquidity Coverage Ratio 
Liquidity Coverage Ratio180%0%0%
    
Møre Boligkreditt AS' capital requirements at 30th September 2016 are based on IRB-Foundation for commercial commitments and IRB-Retail for retail commitments