Financial highlights - Group

Income statement          
 Q2 2015Q2 201430.06.201530.06.20142014
 NOK million%NOK million%NOK million%NOK million%NOK million%
Net interest income2691.892682.015421.915372.001 0932.01
Net commission and other operating income510.36440.33980.34870.321800.33
Net return from financial investments140.10180.13340.12350.131350.25
Total income3342.353302.476742.376592.451 4082.59
Total operating costs1441.011441.082911.022871.065641.04
Profit before impairment on loans1901.341861.393831.353721.398441.55
Impairment on loans, guarantees etc.70.0580.06150.05140.05220.04
Pre tax profit1831.291781.333681.303581.348221.51
Profit after tax1340.951310.992690.952630.996231.15
Statement of financial position     
NOK million30.06.2015% change YTD 201531.12.2014% change during last 12 months30.06.2014
Total assets58 9024.656 3057.155 000
Average assets57 0754.854 4555.853 923
Loans to and receivables from customers50 4583.248 8847.946 766
Deposits from customers29 9595.528 3893.029 095
Key figures     
 Q2 2015Q2 201430.06.201530.06.20142014
Return on equity (annualised)11.512.111.612.114.0
Costs as a percentage of income42.743.443.243.640.1
Losses as a percentage of loans 1.1/start of the period0.
Problem loans as a percentage of loans (prior to impairment)0.741.110.741.110.80
Problem loans as a percentage of loans (after impairment)0.520.760.520.760.51
Deposits to lending ratio as a percentage59.462.259.462.258.1
Core capital as a percentage 1) 2)15.815.215.815.214.4
Core tier 1 capital as a percentage 1) 2)13.512.313.512.312.0
Equity Certificates:     
Profit per EC (Group) (NOK)6.756.6013.5013.1531.20
Profit per EC (Parent Bank) (NOK)4.604.2018.1515,95 4)29.10
EC fraction 1.1 as a percentage (Parent Bank)49.649.649.649.649.6
Price at Oslo Stock Exchange (NOK)226198.5226198.5216
Price/Book value (P/B) (Group) 3)0.930.860.930.860.89
1) Sparebanken Møre's capital requirements have been based on IRB-Foundation for corporate commitments from 30th June 2014 and IRB-Retail for retail commitments from 31st March 2015.
2) Incl. 50 per cent of profit after tax     
3) Incl. 100 per cent of profit after tax     
4) Profit per EC incl. profit from the sale of Nets AS, amounts to NOK 20.25.