Additional Tier 1 capital
Average risk weight
Cash flow per share
Cash flow for the period in relation to the weighted average number of shares outstanding during the period.
Common Equity Tier 1 capital (CET1 capital)
Capital consisting of capital instruments, related share premium accounts, retained earnings and other comprehensive income after considering regulatory adjustments.
Common equity Tier 1 capital ratio (CET 1 capital ratio)
Total expenses in relation to total income.
Credit impairment ratio
Credit exposures are regarded to be in default if there has been an assessment indicating that the counterpart is unlikely to pay its credit obligations as agreed or if the counterpart is past due more than 90 days.
The average weighted maturity of payment flows calculated at present value and expressed in number of years.
Earnings per share after dilution
Earnings per share before dilution
Equity per share
Shareholders’ equity in relation to the number of shares outstanding.
Expected loss (EL)
Exposure at default (EAD)
Exposure value IRB
Loans where there is, on individual level, objective evidence of a loss event, and where this loss event has an impact on the cash flow of the exposure. Impaired loans, gross, less specific provisions for loans assessed individually constitute impaired loans, net.
Provisions for individual exposures classified as impaired.
Interest fixing period
Contracted period during which interest on an asset or liability is fixed.
Liquidity coverage ratio (LCR)
Loss given default (LGD)
Minimum capital requirement
Net asset value per share
Net interest margin
Net interest income in relation to average (calculated on monthend figures) total assets.
Net Stable Funding Ratio (NSFR)
NSFR matches a bank’s deposits and lending over one year. A ratio of over 100 per cent means that long-term illiquid assets are financed to a satisfactory degree with stable long-term funding. NSFR aims to have a sufficiently large proportion of stable funding in relation to long-term assets. The measure is governed by the EU’s Capital Requirements Regulation (CRR); however no calculation methods have yet been established..
Number of employees
The share price at year-end in relation to the equity per share at year-end.
Probability of default (PD)
The probability of default (PD) indicates the risk that a counterparty or contract will default within a 12-month period.
Provision ratio for impaired loans
Provisions for impaired loans assessed individually in relation to impaired loans, gross.
Return on equity
Profit for the financial year allocated to shareholders in relation to average (calculated on month-end figures) shareholders’ equity.
Return on total assets
Risk exposure amount
Share of impaired loans, gross
Carrying amount of impaired loans, gross, in relation to the carrying amount of loans to credit institutions and the public excluding provisions.
Share of impaired loans, net
Tier 1 capital
The sum of Common Equity Tier 1 capital and Additional Tier 1 capital according to article 25 in CRR.
Tier 1 capital ratio
Tier 1 capital in relation to the total risk exposure amount
Tier 2 capital
Capital instruments and subordinated loans and related share premium accounts that fulfill certain regulatory conditions after considering regulatory adjustments.
Total capital ratio
Own funds in relation to the total risk exposure amount
Total provision ratio for impaired loans
All provisions (individually assessed and portfolio) for loans in relation to impaired loans, gross.
Dividend per share in relation to the share price at year-end.