Preliminary annual accounts 2012

Consolidated figures. Figures in parentheses refer to the same period of 2011 unless otherwise stated.

  • Profit before tax: NOK 1,355m (1,236m)
  • Net profit: NOK 1,077m (1,024m)
  • Return on equity: 11.7 percent (12.8 percent)
  • Tier 1 capital ratio: 11.3 percent (10.4 percent), common equity tier 1 ratio 10.0 percent (8.9 percent)
  • Growth in lending 10.2 percent (8.6 percent) and deposits 9.2 percent (11.9 percent) over past 12 months
  • Loan losses: NOK 58m (27m)
  • Earnings per equity certificate (EC): NOK 5.21 (6.06). Book value per EC, incl. recommended dividend for 2012: NOK 50.09 (48.91)
  • Recommended dividend: NOK 1.50 per EC. Allocation to non-profit causes: NOK 30m
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