Note 7

Equity and related capital
Core capital and supplementary capital31.12.201631.12.2015
Share capital and share premium1 3501 150
Retained earnings159179
Total equity1 5091 329
Dividends-156-176
Expected losses exceeding actual losses, IRB portfolios-39-32
Common Equity Tier 1 capital1 3131 121
   
Supplementary capital00
Net equity and subordinated loan capital1 3131 121
   
Risk-weighted assets (calculation basis for capital adequacy ratio) 
Credit risk loans and receivables (Standardised Approach)250301
Credit risk loans and receivables (Internal ratings based Approach)4 0833 345
Operational Risk (Basic indicator Approach)501411
Total risk exposure amount for credit valuation adjustment (CVA) (SA)300444
Risk-weighted assets less transitional rules5 1344 500
Additional RWA from transitional rules 1)3 5873 108
Total risk-weighted assets8 7227 608
Minimum requirement common equity Tier 1 capital (4,5%)392342
   
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%)8776
Capital conservation buffer (2.5%)218190
Systemic risk buffer (3.0%)262228
Total buffer requirements567495
Available common equity Tier 1 capital after buffer requirements354285
   
Capital adequacy as a percentage of the weighted asset calculation basis 
Capital adequacy ratio15,1 %14,7 %
Core capital ratio15,1 %14,7 %
Core tier 1 capital ratio15,1 %14,7 %
   
Leverage ratio 
Leverage ratio6,1 %5,8 %
   
Liquidity Coverage Ratio 
Liquidity Coverage Ratio119%0%
   
Møre Boligkreditt AS' capital requirements at 31st December 2016 are based on IRB-Foundation for commercial commitments and IRB-Retail for retail commitments