Interim Reports

  • Interim Report Q3 2023
    14/11 2023
  • Interim Report Q2 2023
    1/9 2023
  • Interim Report Q1 2023
    15/5 2023
  • Interim Report Q3 2022
    14/11 2022
  • Interim Report Q2 2022
    2/9 2022
  • Interim Report Q1 2022
    13/5 2022
  • Interim Report Q3 2021
    12/11 2021
  • Interim Report Q2 2021
    3/9 2021
  • Interim report Q1 2021
    17/5 2021
  • Interim Report Q3 2020
    5/11 2020
  • Interim Report Q2 2020
    3/9 2020
  • Interim Report Q1 2020
    7/5 2020
  • Interim Report Q3 2019
    15/11 2019
  • Interim Report Q2 2019
    23/8 2019
  • Interim Report Q1 2019
    7/5 2019
  • Interim Report Q3 2018
    7/11 2018
  • Interim Report Q2 2018
    17/8 2018
  • Interim Report Q1 2018
    7/5 2018
  • Interim Report Q3 2017
    13/11 2017
  • Interim Report Q2 2017
    24/8 2017
  • Interim Report Q1 2017
    23/5 2017
  • Interim Report Q3 2016
    18/11 2016
  • Interim Report Q2 2016
    26/8 2016
  • Interim Report Q1 2016
    20/5 2016
  • Interim Report Q3 2015
    20/11 2015
  • Interim Report Q2 2015
    21/8 2015
  • Interim Report Q1 2015
    22/5 2015
  • Interim Report Q3 2014
    17/11 2014
  • Interim Report Q2 2014
    22/8 2014
  • Interim Report Q1 2014
    23/5 2014
  • Interim Report Q3 2013
    15/11 2013
  • Interim Report Q2 2013
    23/8 2013
  • Interim Report Q1 2013
    22/5 2013
  • Interim Report Q3 2012
    16/11 2012
  • Interim Report Q2 2012
    21/8 2012
  • Interim Report Q1 2012
    15/5 2012
  • Interim Report Q3 2011
    18/11 2011
  • Interim Report Q2 2011
    22/8 2011
  • Interim Report Q1 2011
    13/5 2011
  • Interim Report Q3 2010
    17/11 2010
  • Interim Report Q2 2010
    20/8 2010
  • Interim Report Q1 2010
    11/5 2010
  • Interim Report Q3 2009
    12/11 2009
  • Interim Report Q2 2009
    21/8 2009
  • Interim Report Q1 2009
    18/5 2009
  • Definition of key performance indicators

    Key Performance Indicators

    Definition

    Purpose

    Return on equity, % * The period's operating profit (calculated to full-year profit) with deductions for estimated tax in relation to average equity. The average equity is calculated on the period’s month-end figures including the previous annual financial statements and adjusted for future dividends. Provide the reader additional information about the Bank's profitability.
    Return on total assets, % The Bank's return in relation to total assets. Provide the reader additional information about the Bank's profitability.
    Cost/income ratio Total costs in relation to total income. Provide the reader additional information about the Bank's cost-effectiveness.
    Cost/income ratio excluding credit losses Total costs in relation to total income, excluding loan losses. Provide the reader additional information about the Bank's cost-effectiveness.
    Cost/income ratio excluding net interest income and loan losses Total cost in relation to total income, excluding net interest income and loan losses. Provide the reader additional information about the Bank's cost-effectiveness.
    Credit losses/lending, % Total of recorded loan losses in relation to lending. Provide the reader additional information about the credit losses relative size in relation to total lending.
    Deposits/lending, % Total deposits in relation to lending. Provide the reader additional information about the relative size of the deposit in relation to total lending.
    Net interest income / Ø lending, % The Bank's net interest income in relation to Ø lending. Which corresponds to the average of the previous year and the year's lending and leasehold items. Provide the reader additional information about the net interest income relative to the average lending.
    Credit losses / Ø lending, % The Bank's credit losses in relation to Ø lending. Which corresponds to the average of the previous year and the year's lending and leasehold items. Provide the reader additional information about the credit losses relative to the average lending.
    Operating expenses / Ø lending, % The Bank's operating expenses in relation to Ø lending. Which corresponds to the average of the previous year and the year's lending and leasehold items. Provide the reader additional information about operating expenses relative to the average lending.
    Average number of employees The average number of employees during the year. Provide the reader additional information about the average number of employees during the year.

    * Definition in reports published before March 31, 2023:

    In the annual report, the bank uses results in relation to equity. In quarterly reports, we use the calculated average annual result in relation to equity.

    Key ratios defined in the Capital Requirements Regulation (CRR)

    Total capital ratio %

    Total capital base for capital adequacy purposes in relation to risk-weighted assets.

    Total Common equity tier 1 capital ratio, %

    Common equity tier 1 capital in relation to risk-weighted assets.

    Total capital ratio without transition rules, %

    Total capital base for capital adequacy purposes in relation to risk-weighted assets, excluding transitional rules.

    Common equity tier 1 capital / risk-weighted assets without transition rules, %

    Common equity tier 1 capital in relation to risk-weighted assets, excluding transitional rules.

    Risk capital / total assets %

    Total of total risk capital in relation to total assets.

    Earnings / Risk-weighted assets %

    In the annual report, the Bank uses results related to risk-weighted assets.

    In quarterly reports, we use the estimated average annual profit in relation to risk-weighted assets.

    Liquidity coverage ratio (LCR) %

    Liquidity coverage is an important part of the Basel treaties, as it determines the amount of liquid assets that financial institutions must hold. Banks must hold a specific amount of high-quality assets as liquid assets or government debt bills, which is equal to or greater than their net outflow of funds over a 30-day period (coverage ratio must be at least 100%).

    Net Stable Financing Ratio (NSFR) %

    Net stable financing ratio, is a liquidity measures that disclose the bank's stable funding in relation to its illiquid assets during a stressed one-year scenario.

    Levrage ratio (LR) %

    Levrage ratio is calculated as the bank's equity in relation to the bank's total assets, and is a non-risk-adjusted capital measure.