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KUTT RYGG 11 MM RYGG 11 MM RILL/FALS RILL/FALS KUTT SIDE 211 MM SIDE 211 MM FLIPP 85 MM FLIPP SWIFT: SPVNOBB Contents COMPANY NUMBER: 832554332 Annual Report 2008 Annual Report 2008 Annual Report spv.no Being local - makes a difference. – Focusing on Western Norway – Focusing on Western Norway KUTT RYGG 11 MM RILL/FALS RILL/FALS KUTT SIDE 2110 MM RYGG 11 MM SIDE 211 MM FLIPP 85 MM FLIPP KUTT RILL/FALS RILL/FALS KUTT FLIPP 85 MM FLIPP 85 MM SIDE 211 MM RYGG 11 MM RYGG 11 MM SIDE 211 MM Contents 1. MAIN FEATURES 1.1 Important local events ..........................4 1.2 Highlights 2008-2009 ............................6 1.3 Financial highlights ...............................7 2. ABOUT THE BANK 2.1 Facts about Sparebanken Vest .............10 Bergen city centre Haugesund 2.2 CEO Stein Klakegg ..............................12 Vaskerelven 16, NO-5014 Bergen Haraldsgata 162, NO-5501 Haugesund 2.3 Management Group ............................14 Tel.: +47 55 21 77 00 – fax: +47 55 21 77 14 Tel.: +47 52 70 46 50 - Fax: +47 52 70 46 59 Xhibition Shopping mall, Småstrandgaten 3, NO-5014 Sandnes - Ottesen & Dreyer 3. MARKET Bergen Langgata 1 E, NO-4306 Sandnes 3.1 Retail Market ......................................18 Tel.: +47 55 21 77 00 – Fax: +47 55 21 77 01 Tel.: +47 51 53 20 20 – Fax: +47 51 53 20 21 3.2 Corporate Market ................................20 Askøy Stavanger - Ottesen & Dreyer 3.3 Capital Market ....................................22 Kleppestø Shopping mall, P.O.B. 54, NO-5321 Kleppestø Kirkegt. 20, NO-4004 Stavanger 3.4 Regions ..............................................24 Tel.: +47 56 15 11 98 – Fax: +47 56 15 11 96 Tel.: +47 51 53 20 20 – Fax: +47 51 53 20 21 3.5 Subsidiaries ........................................28 Åsane Hinnasvingene 53, NO-4020 Stavanger 3.6 Frende and Norne ...............................30 Åsane Shopping mall 40, P.O.B. 160, Ulset, NO-5873 Tel.: +47 51 53 20 20 – Fax: +47 51 53 20 21 3.7 Risk and capital management & Bergen internal control ...................................32 Tel.: +47 55 19 74 50 – Fax: +47 55 19 74 51 Solakrossvågen 29 (Giljagården), NO-4050 Stavanger Tel.: +47 51 53 20 20 – Fax: +47 51 53 20 21 Nesttun 4. CORPORATE SOCIAL RESPONSIBILITY REPORT Nesttunvegen 98, NO-5221 Nesttun Kyte Næringsmegling Contents ..................................................40 Tel.: +47 55 11 61 20 – Fax: +47 55 11 61 21 Office address: Bankgaten 8, Lagunen Post address: P.O.B. 7999, NO-5020 Bergen 4.1 Introduction .......................................40 Tel.: +47 55 55 33 50 – Fax: +47 55 55 33 54 4.2 Economic responsibility .......................44 Lagunen 4.3 Social responsibility ............................52 Shopping mall, NO-5239 Rådal Tel.: +47 55 11 29 34 – Fax: +47 55 11 29 31 AS Filialbygg 4.4 Climatic and environmental Bent Helge Aardal, CEO responsibility ......................................64 Os Brugården, NO-5200 Os Office address: Nedre Korskirkeallm. 1 A 5. ANNUAL REPORT Tel.: +47 56 57 00 13 – Fax: +47 56 57 0016 Post address: P.O.B. 7999, NO-5020 Bergen Tel.: +47 55 21 75 11 – Fax: +47 55 21 76 80 5.1 Board of Directors ...............................72 Fyllingsdalen 5.2 Directors’ Report .................................74 Oasen Shopping mall, P.O.B. 3520, NO-5147 Fyllingsdalen Sparebanken Vest Boligkreditt AS Tel.: +47 55 21 70 00 - Fax: +47 55 17 54 29 Egil Mokleiv, Director 6. ACCOUNTS AND NOTES Contents ..................................................86 Sotra Office address: Kaigaten 4 6.1 Accounts ............................................86 Sartor Shopping mall, P.O.B. 152, NO-5342 Straume Post address: P.O.B. 7999, NO-5020 Bergen. Tel.: +47 56 32 34 80 – Fax: +47 56 32 34 81 Tel.: 05555 Fax: +47 55 21 74 10 6.2 Statement of cash flows ......................89 6.3 Equity movements ..............................90 Annual Report 2008 The environment Knarvik For the first time, the Annual Report includes Sparebanken Vest strives to be proactive and 6.4 Notes 1-35 ..........................................91 Knarvik Shopping mall, P.O.B. 140, NO-5903 Isdalstø a Social Report which presents the bank’s forward-looking in its approach to both the Tel.: +47 56 34 28 78 – Fax: +47 56 34 28 75 6.5 Auditor’s Report ...............................142 perception of the links between economic, internal and the external environment. This social and environmental responsibility. year only a limited number of the Annual 6.6 Control Committee’s Report ..............145 Førde Report is printed, since most recipients have Storhaugen 9, P.O.B. 229, NO-6800 Førde 6.7 Declaration Board of Directors & informed us that they wish to read it online at Tel.: +47 57 82 81 70 – Fax: +47 57 82 81 61 Managing Director ............................146 . www.spv.no The Annual Report is printed on 6.8 Key figures ........................................147 swan watermark paper. Stord Borggaten 8, P.O.B. 404, Leirvik, NO-5403 Stord Tel.: 53 45 68 80 – Fax: 53 45 68 85 7. OVERVIEWS 7.1 Organisational structure ....................158 7.2 Regional map ...................................159 7.3 Elected officers and administration ....160 7.4 Branch overview ................................162 PAGE 2 1 MAIN features 2 ABOUT THE BANK 3 MARKET 4 CSR REPOrt 5 ANNUAL REPOrt 6 NOTES 7 OVERVIEWS ANNUAL REPORT 2008 ANNUAL REPORT 2008 1 MAIN features 2 ABOUT THE BANK 3 MARKET 4 CSR REPOrt 5 ANNUAL REPOrt 6 NOTES 7 OVERVIEWS PAGE 163 KUTT FLIPP 85 MM RILL/FALS RYGG 11 MM RYGG 11 MM KUTT Every day of the year the wind, weather and nature of Western Norway combine to present a variety of fantastic images. Published by Other contributors Sparebanken Vest, Information Design / layout: Reaktor The cover photo is one of a number of Department, P.O. Box 7999, Printing: Grafisk Trykk snapshots of everyday life that typify NO-5020 Bergen. Tel.: +47 05555 Photos: Knut Egil Wang, Jens Inge Sparebanken Vest’s contact with Fax: +47 55 21 72 89 Ringstad, Tor Yttri, Anne Lise Urdal, society and the market. E-mail: [email protected] Marit Hommedal, Bent René Synnevåg, www.spv.no Vegard Breie, Berit Steffensen, David Project management at Sparebanken Zadig, Helge Skodvin, Svein Bringsdal, Vest: Jørn Lekve and Anne Lise Urdal Odd Mehus and NHH. ANNUAL REPORT 2008 1 MAIN features 2 ABOUT THE BANK 3 MARKET 4 CSR report 5 ANNUAL report 6 notes 7 OVERVIEWS PAGE 3 1.1 MAIN FEATURES A prize-winning branch Important local events concept in Stavanger. Design prize to Stavanger branch The Norwegian Design Council awarded Sparebanken Vest the Design Prize for 2008. The prize was awarded to Sparebanken Vest’s new branch in Stavanger. The jury said that the bank had developed «The solution creates a pleasant environ- an exciting and innovative branch concept ment characterised by a feeling of with no counters and where the entire area abundance and positivity. The result is was used as both a meeting and work area. quite different from the cool functionalism The jury drew attention to the fact that traditionally associated with bank premises. banking and insurance services are often The design borrows features from the considered to be generic, with the banks private home environment to create an offering largely identical products in the atmosphere of calmness and security. same way. At the same time the dramatic nature of Western Norway has been a source of But here Sparebanken Vest was different, and inspiration, as reflected in strong lines and positively so, by employing a branch concept a varied use of materials», in the words of «… which gives a convincingly aggressive the jury. impression that distinguishes it from the traditionally conservative bank interior.» PAGE 4 1 MAIN FEATURES 2 ABOUT THE BANK 3 MARKET 4 CSR REPORT 5 ANNUAL REPORT 6 NOTES 7 OVERVIEWS ANNUAL REPORT 2008 Best retail bank In a survey carried out by Norwegian Family Economy in 2008, Sparebanken Vest was declared to be the best retail bank among Norway’s largest banks for the second year in a row. Each year, Norwegian Family Economy Norwegian Family Economy explained the draws up an annual ranking list of all good results by referring to the fact that the Norwegian banks. In the 2008 Sparebanken Vest, in line with all of the competition Sparebanken Vest took first large banks, had dropped the transaction place among the largest banks and was fee on the use of cards in Norway, as 28th of a total of 123 banks. The bank’s well as online banking fees and monthly customers thus received confirmation charges. that they had made the right decision in choosing Sparebanken Vest as their bank. Design prize for the bank’s card Sparebanken Vest’s new card design won one of the most prestigious international design prizes in 2008. The prize for GOOD DESIGN™ in 2008 is awarded in Chicago in June 2009. Although Sparebanken Vest is a regional Norway. The jury found that this was bank in Norway, it is important for the reflected in the card design, with its use of bank to have a profile and market material cultural elements from Western Norway. that can compete at a high international level. The prize is confirmation of this level. Sparebanken Vest’s new card design In arriving at the design, it was important in 2008 was developed by the to ensure that the card was adapted to communication agency Miksmaster. the bank’s values and vision: Sparebanken GOOD DESIGN™ was established by Vest shall be a driving force in the social Chicago Athenaeum in 1950. and commercial development of Western Environmental Lighthouse certification Sparebanken Vest received certification as an Environmental Lighthouse Enterprise for its buildings in Kaigaten and Korskirkeallmenningen in Bergen. The certification process took place in 2008 activities and in relation to customers.

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