Annual accounts 2022

Net profit: 2,785 million

  • Profit before tax and result investment held for sale: NOK 3,324 million
  • Return on equity: 12.3 per cent
  • Growth in lending: 8.1 per cent and in deposits: 9.6 per cent
  • Net result of ownership interests: NOK 442m
  • Net result of financial instruments (incl. dividends): minus NOK 61m
  • Net recovery of losses on loans and guarantees: NOK 7m
  • Earnings per equity certificate (EC): NOK 12.82
  • Proposed dividend: NOK 6.5 per EC and NOK 474 million to be allocated to non-profit causes

Equity certificate

Ticker: MING





Financial calendar

10 May:
Quarterly Report, Q1

10 August:
Quarterly Report, Q2

See the whole financial calendar



Moody`s: A1, outlook positive





Annual report

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

Latest annual report



We aim to contribute to society’s value creation through responsible banking operations that instil public confidence in the entire corporation.

Investor and media contacts

Trond Søraas
Executive Director, Finance
+47 922 36 803
Rolf Jarle Brøske
Executive Vice President
+47 911 12 475
Trond Barikmo
Investor Relations
+47 934 30 399