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Sparebanken Sør Boligkreditt AS
Sparebanken Sør Boligkreditt AS Investor Presentation March 2016 Executive summary . The fifth largest savings bank in Norway with a strong market position in Southern Norway . High capitalization; Capital ratio of 15.5 % - Core Tier 1 ratio of 12.7 % at December 31th 2015 Sparebanken Sør . Rated A1 (stable outlook) by Moody’s . Strong asset quality – 65 per cent of loan book to retail customers . New rights issue of NOK 600 million in progress will strengthen capital ratio even further . 100 % owned and dedicated covered bond subsidiary of Sparebanken Sør . Cover pool consisting of 100 % prime Norwegian residential mortgages Sparebanken Sør . High quality cover pool reflected by the weighted average LTV of 55.3 % Boligkreditt . Covered bonds rated Aaa by Moody’s with 5 notches of “leeway” . Strong legal framework for covered bonds in Norway with LTV limit of 75 % for residential mortgages . Low interest rates, weak NOK and fiscal stimulus are counterbalancing economic slowdown stemming from the lower oil investments . Unemployment is expected to increase gradually but from a very low level and the unemployment Norwegian rate remains well below the European levels economy . The Norwegian government has a strong financial position with large budget surplus. The government pension fund, which accounts over 200% of the GDP, provides the government with substantial economic leeway . The Southern region is clearly less exposed to oil production than Western Norway Southern region . Registered unemployment in the Southern region remains below -
Gustav Vigeland
IBSEN COURIER This newsletter and others can be viewed/printed in color at: http://www.llund.com/newsletters/ Visit our web page at: http://www.llund.com/sons.htm SONS OF NORWAY September 2011 HENRIK IBSEN LODGE No. 3-393 Officers 2011 elcome back accepted my invitation and will be our W everyone!! guest at our November meeting. They will President:* Kenneth Johnson present a forty minute presentation on [email protected] Well it was a hot Norwegian immigration. I’m sure all our Vice President:* summer and I hope families can relate. Helen Timony everyone made it Secretary:* Anita Kindberg through okay. We As we move through the next year I want Treasurer:* Presidents Message are now beginning to remind all our officers of their individ- Kristine Holvik our 2011-2012 busi- ual responsibilities and that we need to Financial Secretary:* ness season but before I mention the continue with the idea of having a chair- Cynthia Biancospino things I think you should know I first person for all our events. Counselor:* Asbjørn Lageraaen want to say thanks to those who sup- Social Director: ported our lodge and of course our sum- As previously mentioned we will not have Darlene Kern mer get-to-gether events. a regular September meeting at the Assistants: Crystal NiFong & Oriya Bartow church but rather when we will be at Editor: A special thanks to Asbjørn our past LOV. Our next regular meeting will be Lawrence Lund President and Counselor for covering for October 21st and I hope that we will all Sports & Recreation Director: me and our VP Helen when we were un- eat together again. -
Administrative and Statistical Areas English Version – SOSI Standard 4.0
Administrative and statistical areas English version – SOSI standard 4.0 Administrative and statistical areas Norwegian Mapping Authority [email protected] Norwegian Mapping Authority June 2009 Page 1 of 191 Administrative and statistical areas English version – SOSI standard 4.0 1 Applications schema ......................................................................................................................7 1.1 Administrative units subclassification ....................................................................................7 1.1 Description ...................................................................................................................... 14 1.1.1 CityDistrict ................................................................................................................ 14 1.1.2 CityDistrictBoundary ................................................................................................ 14 1.1.3 SubArea ................................................................................................................... 14 1.1.4 BasicDistrictUnit ....................................................................................................... 15 1.1.5 SchoolDistrict ........................................................................................................... 16 1.1.6 <<DataType>> SchoolDistrictId ............................................................................... 17 1.1.7 SchoolDistrictBoundary ........................................................................................... -
Dendrokronologisk Undersøgelse Af Træprøver Fra Harkmark Kirke
Dendrokronologisk undersøgelse af træprøver fra Harkmark Kirke, Mandal kommune, Vest-Agder. NNU Rapport 11 - 2011 af Niels Bonde Nationalmuseet Forskning og Formidling Danmarks Oldtid - Naturvidenskab Dendrokronologi NNU Rapport 11 2011 2 Vest-Agder, Norge Kirke Harkmark, Mandal kommune, Vest-Agder Gnr./ Bnr.: Koordinater: 58.043867/ 7.605792 (WGS84) Fylkeskonservatoren i Vest-Agder fylke og Nationalmuseet Prøvetagning: Niels Bonde og Helge Paulsen Undersøgt af Niels Bonde NNU j.nr. A8832 Formål: Datering af bygningen og grundkurveopbygning. Prøver fra bjælker under gulv samt et gammelt klokkeophæng?? Der er udtaget prøver (borekerner) fra fire emner. Tre af eg (Quercus sp.) og en enkelt af fyrretræ (Pinus sylvestris). Alle prøver er dateret. Gulvbjælker under gulv i kirkeskib 1. bjælke fra øst. Egetræ. Genanvendt svilstok fra tidligere bygning (stavkirke?). Årringskurverne fra de udtagne borekerner kan sættes sammen til én årringskurve (N1030019) på 170 år. Der er ikke splintved bevaret. Årringskurven dækker perioden AD1208 - AD1377. Korrigeres der for manglende splintved kan det bestemmes, at bjælken/svillen stammer fra et træ, der er fældet efter 1385. Figur 1: 1. bjælke, opmåling ved Helge Paulsen. NNU Rapport 11 2011 3 2. bjælke fra øst. Egetræ. Genanvendt svilstok fra tidligere bygning (stavkirke?). Årringskurverne fra de udtagne borekerner kan sættes sammen til én årringskurve (N1030029) på 183 år, hvoraf 19 er i splintved. Årringskurven dækker perioden 1236 – 1418. Tages der hensyn de 19 bevarede årringe i splintveddet, kan det bestemmes, at bjælken/svillen stammer fra et træ, der er fældet 1419-20. Figur 2: 2. bjælke, opmåling ved Helge Paulsen. 3. bjælke fra øst. Fyrretræ. Årringskurven fra den udtagne borekerne er på 96 år (N103101a). -
Dipterists Digest 1991 No.10
Dipterists Digest 1991 No.10 Hoverfly Edition Dlpterlsts Digest is a popular journal aimed primarily allield dipterisls in the UK. Ireland and adjacent countries. wilh interests in recording, ecology, natural history, conservalion and identification 01 British and NW European flies. Articles may be of any length up to 3000 words. Items exceeding this length may be serialised or printed In fUll, depending on the competition lor space. They should be in clear concise English, preferably typed double spaced on one side of A4 paper. Only scientific names should be underlined. Tables should be on separate sheets. Figures drawn in clear black ink, about twice their printed size and lettered clearly. Enquiries about photographs and colour plates - please contact the Production Editor in advance as a charge may be made. Rererences should lollow the layout in this issue. Initially the scope of Dlpterlsls Digest will be: - Observations 01 interesting behaviour, ecology, and natural history. ...:- New and improved techniques (e.g. collecting, rearing etc.). - The conservation of flies and their habitats. - Provisional and interim reports from the Diptera Recording Schemes, including provisional and preliminary maps. - Records of new or scarce species lor regions, counties, districts etc. Local faunal accounts, tield meeting results, and 'holiday lists' with good ecological information/interpretation. Notes on identilication, additions, deletions and amendments to standard key works and checklists. - News 01 new publications/references/literature scan. Tellts concerned with the Diptera of parts 01 continental Europe adjacent to the British Isles will also be considered for publicalion, If submitted In English. DIPTERISTS DIGEST DEREK WHITELEY 17 RUSTlINGS ROAD SHEFFIELD S1 1 7AA CALLICERA AENEA, C. -
Buch Neues Layout 03.10.12 09:33 Seite 259
www.ssoar.info The ritual landscape of the seaboard in historical times: island chapels, burial sites and stone mazes - a Scandinavian exampled. Part I: Chapels and burial sites Westerdahl, Christer Veröffentlichungsversion / Published Version Zeitschriftenartikel / journal article Empfohlene Zitierung / Suggested Citation: Westerdahl, C. (2011). The ritual landscape of the seaboard in historical times: island chapels, burial sites and stone mazes - a Scandinavian exampled. Part I: Chapels and burial sites. Deutsches Schiffahrtsarchiv, 34, 259-370. https:// nbn-resolving.org/urn:nbn:de:0168-ssoar-65989-1 Nutzungsbedingungen: Terms of use: Dieser Text wird unter einer Deposit-Lizenz (Keine This document is made available under Deposit Licence (No Weiterverbreitung - keine Bearbeitung) zur Verfügung gestellt. Redistribution - no modifications). We grant a non-exclusive, non- Gewährt wird ein nicht exklusives, nicht übertragbares, transferable, individual and limited right to using this document. persönliches und beschränktes Recht auf Nutzung dieses This document is solely intended for your personal, non- Dokuments. Dieses Dokument ist ausschließlich für commercial use. All of the copies of this documents must retain den persönlichen, nicht-kommerziellen Gebrauch bestimmt. all copyright information and other information regarding legal Auf sämtlichen Kopien dieses Dokuments müssen alle protection. You are not allowed to alter this document in any Urheberrechtshinweise und sonstigen Hinweise auf gesetzlichen way, to copy it for public or commercial purposes, to exhibit the Schutz beibehalten werden. Sie dürfen dieses Dokument document in public, to perform, distribute or otherwise use the nicht in irgendeiner Weise abändern, noch dürfen Sie document in public. dieses Dokument für öffentliche oder kommerzielle Zwecke By using this particular document, you accept the above-stated vervielfältigen, öffentlich ausstellen, aufführen, vertreiben oder conditions of use. -
Historisk Oversikt Over Endringer I Kommune- Og Fylkesinndelingen
99/13 Rapporter Reports Dag Juvkam Historisk oversikt over endringer i kommune- og fylkesinndelingen Statistisk sentralbyrå • Statistics Norway Oslo–Kongsvinger Rapporter I denne serien publiseres statistiske analyser, metode- og modellbeskrivelser fra de enkelte forsknings- og statistikkområder. Også resultater av ulike enkeltunder- søkelser publiseres her, oftest med utfyllende kommentarer og analyser. Reports This series contains statistical analyses and method and model descriptions from the different research and statistics areas. Results of various single surveys are also pub- lished here, usually with supplementary comments and analyses. © Statistisk sentralbyrå, mai 1999 Ved bruk av materiale fra denne publikasjonen, vennligst oppgi Statistisk sentralbyrå som kilde. ISBN 82-537-4684-9 ISSN 0806-2056 Standardtegn i tabeller Symbols in tables Symbol Tall kan ikke forekomme Category not applicable . Emnegruppe Oppgave mangler Data not available .. 00.90 Metoder, modeller, dokumentasjon Oppgave mangler foreløpig Data not yet available ... Tall kan ikke offentliggjøres Not for publication : Emneord Null Nil - Kommuneinndeling Mindre enn 0,5 Less than 0.5 of unit Fylkesinndeling av den brukte enheten employed 0 Kommunenummer Mindre enn 0,05 Less than 0.05 of unit Sammenslåing av den brukte enheten employed 0,0 Grensejusteringer Foreløpige tall Provisional or preliminary figure * Brudd i den loddrette serien Break in the homogeneity of a vertical series — Design: Enzo Finger Design Brudd i den vannrette serien Break in the homogeneity of a horizontal series | Trykk: Statistisk sentralbyrå Rettet siden forrige utgave Revised since the previous issue r Sammendrag Dag Juvkam Historisk oversikt over endringer i kommune- og fylkesinndelingen Rapporter 99/13 • Statistisk sentralbyrå 1999 Publikasjonen gir en samlet framstilling av endringer i kommuneinndelingen 1838 - 1998 og i fylkesinndelingen 1660 - 1998. -
Norwegian Journal of Entomology
Norwegian Journal of Entomology Volume 46 No. 2 • 1999 Published by the Norwegian Entomological Society Oslo andStavanger NORWEGIAN JOURNAL OF ENTOMOLOGY A continuation of Fauna Norvegica Serie B (1979-1998), Norwegian Joumal ofEntomology (1975 1978) and Norsk Entomologisk Tidsskrift (1921-1974). Published by The Norwegian Entomological Society (Norsk entomologisk forening). Norwegian Joumal of Entomology publishes original papers and reviews on taxonomy, faunistics, zoogeography, general and applied ecology of insects and related terrestrial arthropods. Short com munications, e.g. less than two printed pages, are also considered. Manuscripts should be sent to the ·1' editor. Editor Lauritz S~mme, Department of Biology, University of Oslo, P.O.Box 1050 Blindem, N-0316 Oslo, Norway. E-mail: [email protected]. Editorial secretary Lars Ove Hansen, Zoological Museum, University of Oslo, Sarsgate 1, N-0562 Oslo. E-mail: [email protected]. Editorial board Ame C. Nilssen, Troms~ John O. Solem, Trondheim Lita Greve Jensen, Bergen Knut Rognes, Stavanger Ame Fjellberg, Tj~me The goal of The Norwegian Entomological Society is to encourage the study of entomology in Norway and to provide a meeting place for those who are interested in the field. Annual membership fees are NOK 200 (juniors NOK 100) for members with addresses in Norway, and NOK 220 (Juniors NOK 110) for members abroad. Inquiries about membership should be sent to the secretary: Jan A. Stenl~kk, P.O.Box 386, N-4002 Stavanger. Norway. E-mail: [email protected]. Norsk entomologisk forening (NEF) ser som sin oppgave ã fremme det entomologiske studium i Norge, og danne et bindeledd mellom de interesserte. -
ARTICLES of ASSOCIATION for SPAREBANKEN
ARTICLES OF ASSOCIATION for SPAREBANKEN SØR Adopted at the Board of Trustees meeting of 6 November 2019 CHAPTER 1 COMPANY NAME. OFFICE MUNICIPALITY. OBJECT. § 1-1 Company name. Office municipality. Object. Sparebanken Sør was formed through the merger of Sparebanken Pluss and Sparebanken Sør on 1 January 2014. These savings banks had previously been formed through the merger of the various savings banks listed in the annexes to the Articles of Association. The Bank’s registered place of business is in the municipality of Kristiansand. The Bank’s object is to promote saving by receiving deposits from an indeterminate group of investors and securely manage the funds they have at their disposal in accordance with the prevailing legal rules that apply to banks. The Bank can carry out all common banking transactions and bank services and offer investment services in accordance with the prevailing rules and licences. CHAPTER 2 THE BANK’S EQUITY § 2-1 Primary capital A list of the original primary capital of the merged savings banks, including whether the primary capital has been or is due to be repaid, is provided in the annexes to these Articles of Association. The founders or others do not have the right to dividends from the business, except dividends from the Bank’s equity certificate capital. With consent of the King/Ministry of Finance, the Board of Trustees can decide to issue negotiable equity certificates entitled to dividends with a right of representation on the Board of Trustees. § 2-2 Equity certificates The Bank’s issued equity certificate capital comprises NOK 783,197,200, allocated between 15,663,944 equity certificates, each with a nominal value of NOK 50 fully paid up. -
Havstrand På Sørlandet Regionale Trekk Og Botaniske Verdier
Havstrand på Sørlandet Regionale trekk og botaniske verdier Anders Lundberg Knut Rydgren NORSK INSTITUIT FOR NATURFORSKNING Havstrand på Sørlandet Regionale trekk og botaniske verdier Anders Lundberg Knut Rydgren NORSK INSTITUTT FOR NA=FORSKNING nina forskningsrapport 059 lundberg, A. & Rydgren, K. 1994. Havstrand på Sørlandet. NINAs publikasjoner Regionale trekk og botaniske verdier. - NINA Forskningsrapport 59: 1-127. NINA utgir fem ulike faste publikasjoner: NINA Forskningsrapport Trondheim, desember 1994 Her publiseres resultater av NINAs eget forskningsarbeid, i den hensikt å spre forskningsresultater fra institusjonen til et ISSN 0802-3093 større publikum. Forskningsrapporter utgis som et alternativ ISBN 82-426-0520-3 til internasjonal publisering, der tidsaspekt, materialets art, målgruppe m.m. gjør dette nødvendig. Forvaltningsområde: Arealforvaltning NINA Utredning Land use management Serien omfatter problemoversikter, kartlegging av kunn- skapsnivået innen et emne, litteraturstudier, sammenstilling Rettighetshaver 0: av andres materiale og annet som ikke primært er et resultat NINA Norsk institutt for naturforskning av NINAs egen forskningsaktivitet. Publikasjonen kan siteres fritt med kildeangivelse N1NA Oppdragsmelding Dette er det minimum av rapportering som NINA gir til opp- Redaksjon: dragsgiver etter fullført forsknings- eller utredningsprosjekt. Eli Fremstad Opplaget er begrenset. NINA, Trondheim NINA Temahefter Design og layout: Disse behandler spesielle tema og utarbeides etter behov for å Eva M. Schjetne informere -
Serie B 1994 Vo!. 41 No. 2 Norwegian Journal of Entomology
Serie B 1994 Vo!. 41 No. 2 Norwegian Journal of Entomology Publi hed by Foundation for Nature Research and Cultural Heritage Research Trondheim Fauna norvegica Ser. B Organ for Norsk Entomologisk Forening Appears with one volume (two issues) annually. applied (e.g. conservation) ecology, morphology, Utkommer med to hefter pr. ar. behaviour, zoogeography as well as methodological Editor in chief (Ansvarlig redakt0r) development. All papers in Fauna norvegica are reviewed by at least two referees. Dr. John O. Solem, University of Trondheim, The Museum, N-7004 Trondheim. FAUNA NORVEGICA Ser. B publishes original new Editorial committee (Redaksjonskomite) information generally relevant to Norwegian entomol ogy. The journal emphasizes papers which are mainly Arne C. Nilssen, Department of Zoology, TromslZl faunal or zoogeographical in scope or content, includ Museum, N-9006 TromslZl, Ole A. Srether, Museum of ing check lists, faunal lists, type catalogues, regional Zoology, Musepl. 3, N-5007 Bergen. Reidar Mehl, keys, and fundamental papers having a conservation National Institute of Public Health, Geitmyrsveien 75, aspect. Submissions must not have been previously N-0462 Oslo. published or copyrighted and must not be published Abonnement 1995 subsequently except in abstract form or by written con Medlemmer av Norsk Entomologisk Forening (NEF) sent of the editor in chief. far tidsskriftet fritt tilsendt. Medlemmer av Norsk Subscription 1995 Ornitologisk Forening (NOF) mottar tidsskriftet ved a Members of the Norw. Ent. Soc. (NEF) will receive the betale kr. 90. Andre ma betale kr. 120. Disse innbeta journal free. The membership fee of NOK 'ISO should be lingene sendes Stiftelsen for naturforskning og kultur paid to the treasurer of NEF, Preben Ottesen, Gustav minneforskning (NINA·NIKU), Tungasletta 2, N-7005 Vigelands vei 32, N-0274 Oslo. -
Sparebanken Sør Sparebanken Sør Boligkreditt AS
Sparebanken Sør Sparebanken Sør Boligkreditt AS Investor presentation January 2019 1 Executive summary • The fifth largest Norwegian bank with a strong market position in Southern Norway • High capitalization; Core Tier 1 ratio of 14.8 %, and leverage ratio of 9.0% as of September 30th 2018 Sparebanken Sør • Rated A1 (stable outlook) by Moody’s • Strong asset quality – 65 % of loan book to retail customers • 100 % owned and dedicated covered bond subsidiary of Sparebanken Sør • Cover pool consisting of 96.9 % prime Norwegian residential mortgages Sparebanken Sør • High quality cover pool reflected by the weighted average LTV of 55.5 % Boligkreditt • Covered bonds rated Aaa by Moody’s with 5 notches of leeway • Strong legal framework for covered bonds in Norway with an LTV limit of 75 % for residential mortgages • Current OC of 20.9 %, of which 2.0 % is provided on a committed basis • Economic growth in Norway has picked up and unemployment is falling • Growth is self-sustained and no longer in need of fiscal support • Oil investment is set to increase again after the sharp drop that followed the oil price collapse Norwegian economy • Weak NOK support exports, mainland business investments are also on the rise • Improving labour market supports private consumption • The drop in housing investment close to the end • The Southern region is clearly less exposed to oil production than Western Norway Southern region • Registered unemployment in the Southern region remains below 4 % and has decreased at a higher pace than the economy national