Financial highlights - Group

	Q3 2015		Q3 2014		30.09.2015		30.09.2014		2014
Income statement
	NOK million	%	NOK million	%	NOK million	%	NOK million	%	NOK million	%
Net interest income	277	1.90	274	2.02	819	1.90	811	2.00	1 093	2.01
Net commission and other operating income	52	0.37	45	0.79	150	0.35	132	0.33	180	0.33
Net return from financial investments	-19	-0.15	107	0.33	15	0.03	142	0.35	135	0.25
Total income	310	2.12	426	3.14	984	2.28	1 085	2.68	1 408	2.59
Total operating costs	146	1.00	141	1.04	437	1.01	428	1.05	564	1.04
Profit before impairment on loans	164	1.12	285	2.10	547	1.27	657	1.63	844	1.55
Impairment on loans, guarantees etc.	10	0.07	1	0.01	25	0.06	15	0.04	22	0.04
Pre tax profit	154	1.05	284	2.09	522	1.21	642	1.59	822	1.51
Tax	43	0.29	51	0.38	142	0.33	146	0.36	199	0.36
Profit after tax	111	0.76	233	1.71	380	0.88	496	1.23	623	1.15

NOK million	30.09.2015	% change YTD 2015	31.12.2014	% change during last 12 months	30.09.2014
Statement of financial position
Total assets	59 641	5.9	56 305	7.7	55 379
Average assets	57 570	5.7	54 455	6.5	54 060
Loans to and receivables from customers	51 419	5.2	48 884	8.3	47 469
Deposits from customers	29 286	3.2	28 389	2.6	28 550

	Q3 2015	Q3 2014	30.09.2015	30.09.2014	2014
Key figures
Return on equity (annualised)	9.3	20.8	10.8	15.0	14.0
Costs as a percentage of income	47.3	33.0	44.4	39.4	40.1
Losses as a percentage of loans 1.1/start of the period	0.07	0.01	0.07	0.04	0.05
Problem loans as a percentage of loans (prior to impairment)	0.46	1.08	0.46	1.08	0.80
Problem loans as a percentage of loans (after impairment)	0.29	0.75	0.29	0.75	0.51
Deposits to lending ratio as a percentage	57.0	60.1	57.0	60.1	58.1
Core capital as a percentage 1) 2)	15.7	14.4	15.7	14.4	14.4
Core tier 1 capital as a percentage 1) 2)	13.3	12.1	13.3	12.1	12.0
Man-years	388	386	388	386	383
Equity Certificates:
Profit per EC (Group) (NOK)	5.50	11.65	19.05	24.90	31.20
Profit per EC (Parent Bank) (NOK)	3.35	9.15	21.50	25.10	29.10
EC fraction 1.1 as a percentage (Parent Bank)	49.6	49.6	49.6	49.6	49.6
Price at Oslo Stock Exchange (NOK)	213.50	216.50	213.50	216.50	216
Price/Book value (P/B) (Group) 3)	0.86	0.90	0.86	0.90	0.89
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