Investor Relations

Equity certificate

Ticker: MING


Financial calendar

30 October

7.30 AM 3rd Quarter 2019

8.15 AM Presentation in Oslo

Financial calendar


Moody`s: A1, outlook stable
Fitch: A-, outlook stable


Annual report

SpareBank 1 SMN intends to be a digital bank with a personal and local signature. 

Annual report 2018


SpareBank 1 SMN aims to contribute to society’s value creation through responsible banking operations that instil public confidence in the bank.

Second quarter 2019: Post-tax profit of NOK 1,729m

  • Pre-tax profit: NOK 2,003m (1,345m)
  • Post-tax profit: NOK 1,729m (1,209m)
  • Return on equity: 19.0 per cent (14.4 per cent)
  • CET1 ratio: 15.0 per cent (15.0 per cent)
  • Growth in lending: 5.7 per cent (7.6 per cent) and in deposits: 7.7 per cent (6.3 per cent)
  • Lending to retail borrowers accounts for 6.7 per cent (10.6 per cent) of total lending
  • Losses on loans and guarantees: NOK 126m (127m) 
  • Earnings per EC: NOK 8.23 (5.75). Book value per EC: NOK 87.04 (80.21)

Investor and media contacts

Kjell Fordal
Executive Director, Finance
+47 905 41 672
Hans Tronstad
Head of Corporate Communications
+47 941 78 322