Investor

Third quarter 2026
(Group figures. Figures in parentheses refer to the corresponding period last year unless otherwise stated.)

Profit before tax of NOK 1,184 million (NOK 1,448million)
Net profit of NOK 954 million (NOK 1,171 million)
Return on equity of 12.4 per cent (15.9 per cent)
Common Equity Tier 1 (CET1) ratio of 17.1 per cent (17.8 per cent)
Net interest income of NOK 1,292 million (NOK 1,337 million)
Net commission and other income of NOK 606 million (NOK 640 million)
Operating expenses of NOK 913 million (NOK 854 million)
Loan growth of 1.3 per cent (0.8 per cent) and deposit decline of 3.5 per cent (0.3 per cent).
Retail lending in the bank increased by 1.3 per cent in the quarter (1.3 per cent). Corporate lending in the bank increased by 2.1 per cent (a decrease of 0.2 per cent).
Retail deposits decreased by 2.1 per cent (2.0 per cent). Deposits from corporate customers decreased by 3.3 per cent (increase of 2.1 per cent).
Net profit from interests in associated companies of NOK 204 million (NOK 278 million)
Net gains on financial instruments (including dividends) of NOK 12 million
Losses on loans and guarantees of NOK 17 million (NOK 27 million)
Earnings per equity certificate of NOK 4.19 (NOK 5.19)
Book value per equity certificate of NOK 135.18 (NOK 131.03)