Financial highlights - Group

	Q4 2015		Q4 2014		2015		2014
Income statement
	NOK million	%	NOK million	%	NOK million	%	NOK million	%
Net interest income	279	1.87	282	2.03	1 098	1.89	1 093	2.01
Net commission and other operating income	43	0.27	48	0.34	193	0.33	180	0.33
Net return from financial investments	-3	-0.02	-7	-0.05	12	0.02	135	0.25
Total income	319	2.12	323	2.32	1 303	2.24	1 408	2.59
Total operating costs	124	0.82	136	0.98	561	0.96	564	1.04
Profit before impairment on loans	195	1.30	187	1.34	742	1.28	844	1.55
Impairment on loans, guarantees etc.	25	0.17	7	0.05	50	0.09	22	0.04
Pre tax profit	170	1.13	180	1.29	692	1.19	822	1.51
Tax	48	0.31	53	0.38	189	0.32	199	0.36
Profit after tax	122	0.82	127	0.91	503	0.87	623	1.15

NOK million	31.12.2015	% change during last 12 months	31.12.2014
Statement of financial position
Total assets	60 120	6.8	56 305
Average assets	58 113	6.7	54 455
Loans to and receivables from customers	51 286	4.9	48 884
Deposits from customers	29 389	3.5	28 389

	Q4 2015	Q4 2014	2015	2014
Key figures
Return on equity (annualised)	10.3	11.0	10.7	14.0
Costs as a percentage of income	38.8	42.3	43.0	40.1
Core capital as a percentage 1) 2)	16.4	14.4	16.4	14.4
Core tier 1 capital as a percentage 1) 2)	14.2	12.0	14.2	12.0
Losses as a percentage of loans 1.1/start of the period	0.19	0.06	0.10	0.05
Problem loans as a percentage of loans (prior to impairment)	0.47	0.80	0.47	0.80
Problem loans as a percentage of loans (after impairment)	0.32	0.51	0.32	0.51
Deposits to lending ratio as a percentage	57.3	58.1	57.3	58.1
Man-years	388	383	388	383
Equity Certificates:
Profit per EC (Group) (NOK)	6.20	6.40	25.25	31.20
Profit per EC (Parent Bank) (NOK)	5.20	4.00	25.70	29.10
EC fraction 1.1 as a percentage (Parent Bank)	49.6	49.6	49.6	49.6
Price at Oslo Stock Exchange (NOK)	188.00	216.00	188.00	216
Price/Book value (P/B) (Group)	0.74	0.89	0.74	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. proposed allocations