Here is our executive management team.
Executive management team

Hanne Karoline Kræmer
CEO
Kræmer has a degree in civil economics from the University of Växjö, with additional training in management. She has previously worked in Troms County Council and Innovation Norway. Kræmer started in SpareBank 1 Nord-Norge in 1995, and has held various management positions in the group since 2000 – most recently as managing director of SpareBank 1 Regnskapshuset Nord-Norge.
Number of equity certificates as of December 31, 2023: 27,818 (including any equity certificates owned by related parties)
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Board positions:
Board member of SpareBank 1 Gruppen AS, SpareBank 1 Utvikling DA, and the Tromsø Region Business Association. Deputy member of Kredinor AS.
Bengt Olsen
Chief Financial Officer
Olsen has a masters in economics and business administration, with one year of extension in international finance. He has previously worked at KPMG, Nordlandsbanken and Catch Communication, and in recent years as CFO and co-director of DIPS AS. Olsen has held several board positions, including three years as a board member of SpareBank 1 Nord-Norge.
Number of equity certificates as of December 31, 2023: 51,994 (including any equity certificates owned by related parties)
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Board positions:
Chairman of the Board of SpareBank 1 Næringskreditt AS, Fredrik Langes Gate 20 AS, SpareBank 1 Nord-Norge Portefølje AS, Investor Bol AS, and SpareBank 1 Boligkreditt AS. Board member of SpareBank 1 Markets AS, Finansmodell 1 AS, Kredittbanken ASA, and Kunnskapsparken Bodø AS. Deputy member of SpareBank 1 Gruppen AS and SpareBank 1 Utvikling DA.
Bjørn Bardal
Acting Executive vice president Personal Banking
Bardal holds a College Candidate degree and has completed the main programme at Nordnorsk Lederutvikling. He has previously worked as the CEO of Ofotens Bilruter AS and as the Regional Director of Logistics for Northern Norway at ICA Norge AS. Since 2010, he has been employed at SpareBank 1 Nord-Norge as a Bank Manager. From 2021, he served as the Operations and Quality Manager for the personal market, and from 2023, as the Head of Quality and Operational Support for the personal market. Bardal has held several board positions, including Chairman of Hålogalandsbrua AS and the Narvik Region Business Association.
Number of equity certificates as of December 31, 2023: 14,685 (including any equity certificates owned by related parties)
Board positions:
Chairman of the board of Eiendomsmegler Nord-Norge AS
Trude Glad
Executive vice president Corporate Banking
Education: Glad has a degree in economics and business administration and has a master of management from the BI School of Economics & Business Administration in Oslo. Former corporate market manager at Sparebanken Nord-Norge, Investor Relations Manager at Rieber & Søn ASA, and Assistant Manager at Norgeskreditt/Vestenfjelske Bykreditt.
Number of equity certificates as of December 31, 2023: 81,154 (including any equity certificates owned by related parties)
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Board positions:
Chairman of the Board of SpareBank 1 Finans Nord-Norge AS. Board member of SpareBank 1 Regnskapshuset Nord-Norge AS, Kredinor AS, and SpareBank 1 Markets AS.
Stein Vidar Loftås
Executive vice president Organisation and Business Support
Loftås has a technical education from the Navy, a bachelor degree in management from BI and a Master's programme in financial crime and corporate social responsibility from BI. He has previously worked in the Navy, been regional director at Telenor and municipal director in the municipality of Tromsø.
Number of equity certificates as of December 31, 2023: 7,048 (including any equity certificates owned by related parties)
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Board positions:
Chairman of the Board of Rødbanken Holding AS and Rødbanken AS. Board member of Tromsøbadet KF, SpareBank 1 Spleis AS, and Tromsøbadet AS. Deputy member of SpareBank 1 Nord-Norges Kunststiftelse.
Marius Nilsen
Chief Risk Officer
Nilsen holds a master’s degree in business administration (financial accounting). He has previously worked as program manager for the internal audit function and as head of risk management in SpareBank 1 Nord-Norge. He has a background from EY, where he worked as an internal auditor and consultant in Norwegian financial institutions.
Number of equity certificates as of December 31, 2023: 0 (including any equity certificates owned by related parties)
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Board positions:
Board member of SpareBank 1 Gjeldsinformasjon AS.
Birgitte Nygård Vibe
Executive vice president Business Development and Technology (CIO)
Vibe is educated in international marketing and has previously worked as Head of Agencies and Strategic Partnerships, Nordic, at Google. There, she was overall responsible for all media agencies in the Nordics. Previously, Vibe worked at Group M Norway. Here, she was the head of Joint Business Functions, which included digital services, innovation, data and technology, business development, and analysis. Vibe started at SpareBank 1 Nord-Norge and in the executive management team in 2024.
Number of equity certificates as of December 31, 2023: 0 (including any equity certificates owned by related parties)