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Annual report 2014 - Annual report 2014A little better each day. That will make SpareBank 1 SMN the best bank for customer experience by 2015.
http://annualreport.smn.no/
A little better each day. That will make SpareBank 1 SMN the best bank for customer experience by 2015.
http://annualreport.smn.no/
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Annual report 2014 - Annual report 2014 | annualreport.smn.no Reviews
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A little better each day. That will make SpareBank <span class="number">1</span> SMN the best bank for customer experience by <span class="number">2015.</span>
annualreport.smn.no
The story of SpareBank 1 SMN - Annual report 2014
http://annualreport.smn.no/2014/story
The story of SpareBank 1 SMN. The first customers entered Trondhjems Sparebank in the year 1823. Our offering of financial services has evolved in keeping with society as a whole. Initially the Bank’s goal was to combat poverty and give ordinary people the opportunity to save. Today SpareBank 1 SMN is one of Norway’s largest banks and a complete financial department store. This is SpareBank 1 SMN. Main figures, last ten years. Key goals and strategies. The story of SpareBank 1 SMN. This is SpareBank 1 SMN.
Main figures, last ten years - Annual report 2014
http://annualreport.smn.no/2014/financialsummary
Main figures, last ten years. From the income statement (mNOK). Net interest and credit commission income. Commision and fee income. Operating profit before losses and return on financial investments. Income from investment in related companies. Return on financial investements. Loan losses and gains / write-downs on disposals of fixed assets. From the balance sheet (mNOK). Outstanding loans including transf. SpareBank 1 Boligkreditt (gross). Gross loans in retail market. Gross loans in corporate market.
Elected officers - Annual report 2014
http://annualreport.smn.no/2014/content/215/Elected-officers
Members elected by the equity certificate holders. Number of equity certificates held*. Lars Bjarne Tvete (deputy chair). Members elected by the depositors. Number of equity certificates held*. Randi Borghild Dyrnes (leder). Members elected by the county councils. Number of equity certificates held*. Members elected by the employees. Number of equity certificates held*. Ann Kristin Leirvik Sletnes. Number of equity certificates held*. Kjell Bjordal, chair. Bård Benum, deputy chair. Annual report and notes.
Key goals and strategies - Annual report 2014
http://annualreport.smn.no/2014/keygoals-strategies
Key goals and strategies. We intend to be the recommended bank. This vision entails a weighty commitment to our customers, partners, staff and EC holders. To fulfil this vision we must strive continuously to improve ourselves and to stay abreast of market and customer needs. Our ambition is to remain an independent, regional, profitable bank that means more to firms and individuals in our market area than any other bank. Main strategy themes in the period 2013 - 2015. Continued growth in market shares.
Board of Directors - Annual report 2014
http://annualreport.smn.no/2014/board-of-directors
Kjell Bjordal (1953) Board Chairman. Business economist from the Norwegian School of Economics and Business Administration NHH (1976), law studies and Advanced Management Program at Wharton Business School (1989). Board member since 2007 and board chair since 2013. Member of the remuneration committee since 2012 and chair since 2013. Attended 19 of 19 meetings of the Board of Directors in 2014. Bård Benum (1962) Vice-chairman. Graduate of the Norwegian University of Science and Technology (NTNU) (1987).
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Annual report 2014 - Annual report 2014
Profit of NOK 1,782 after tax. Return on equity 15.1 per cent. Common tier 1 ratio 11.2 per cent. Growth in lending 7.3 per cent and growth in deposits 8.5 per cent. Loss on loans NOK 89m. Earnings per equity certificate (EC) NOK 8.82. Book value per EC NOK 62.04. Recommended dividend NOK 2.25 per EC. Download the annual report. Statement by the Group CEO. Read the statement by the Group CEO. Report of the Board of Directors. Read the report of the Board of Directors. This is SpareBank 1 SMN.
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