Financial highlights - Group

Income statement          
 Q3 2015Q3 201430.09.201530.09.20142014
 NOK million%NOK million%NOK million%NOK million%NOK million%
Net interest income2771.902742.028191.908112.001 0932.01
Net commission and other operating income520.37450.791500.351320.331800.33
Net return from financial investments-19-0.151070.33150.031420.351350.25
Total income3102.124263.149842.281 0852.681 4082.59
Total operating costs1461.001411.044371.014281.055641.04
Profit before impairment on loans1641.122852.105471.276571.638441.55
Impairment on loans, guarantees etc.100.0710.01250.06150.04220.04
Pre tax profit1541.052842.095221.216421.598221.51
Profit after tax1110.762331.713800.884961.236231.15
Statement of financial position     
NOK million30.09.2015% change YTD 201531.12.2014% change during last 12 months30.09.2014
Total assets59 6415.956 3057.755 379
Average assets57 5705.754 4556.554 060
Loans to and receivables from customers51 4195.248 8848.347 469
Deposits from customers29 2863.228 3892.628 550
Key figures     
 Q3 2015Q3 201430.09.201530.09.20142014
Return on equity (annualised)9.320.810.815.014.0
Costs as a percentage of income47.333.044.439.440.1
Losses as a percentage of loans 1.1/start of the period0.
Problem loans as a percentage of loans (prior to impairment)0.461.080.461.080.80
Problem loans as a percentage of loans (after impairment)0.290.750.290.750.51
Deposits to lending ratio as a percentage57.
Core capital as a percentage 1) 2)15.714.415.714.414.4
Core tier 1 capital as a percentage 1) 2)13.312.113.312.112.0
Equity Certificates:     
Profit per EC (Group) (NOK)5.5011.6519.0524.9031.20
Profit per EC (Parent Bank) (NOK)3.359.1521.5025.1029.10
EC fraction 1.1 as a percentage (Parent Bank)49.649.649.649.649.6
Price at Oslo Stock Exchange (NOK)213.50216.50213.50216.50216
Price/Book value (P/B) (Group) 3)0.860.900.860.900.89
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