Equity certificate

Ticker: MING

MING at oslobors.no




Financial calendar

5 March:
Publishing of the Annual Report 2020

23 March:
Supervisory Board

Financial calendar 2021


Moody`s: A1, outlook stable





Annual report

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

Annual report 2020


Annual accounts 2020

  • Pre-tax profit: NOK 2,378m 
  • Post-tax profit: NOK 1, 978m 
  • Return on equity: 10.0 per cent 
  • CET1 ratio: 18.3 per cent 
  • Growth in lending: 9.0 per cent and in deposits: 13.5 per cent 
  • Losses on loans and guarantees: NOK 951m or 0.54 per cent of total lending
  • Earnings per equity certificate (EC): NOK 8.87. Book value per EC: NOK 94.71 
  • Proposed dividend: NOK 4,40 per EC and NOK 321 million to be allocated to non-profit causes


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

Investor and media contacts

Kjell Fordal
Executive Director, Finance
+47 905 41 672
Rolf Jarle Brøske
Executive Vice President
+47 911 12 475