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Annual Report 2017

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Annual Report 2017 ANNUAL REPORT 2017 NOK SPV “EVERYTHING WE DO, WE DO TO MAKE LIFE IN WESTERN NORWAY EVEN BETTER” Sparebanken Vest was created by and for the people of Western Norway. We know who we are and we know where we come from. Our heart beats for Western Norway, for the people who live there and the work they do. That’s our commitment. We are engaged in many different arenas, in many ways and using different tools suited to different target groups. From sponsoring local festivals, to supporting young sporting talents, to helping support education and young people’s upbringing, and, not least, by activating, sharing and facilitating local expertise, we can help to stimulate economic development in Western Norway. The photos used in the annual report are from the ‘Family Bank’ concept launched in 2017. Sparebanken Vest follows customers through all the important phases of life and big and small events – in short, a friend through thick and thin. Photo: Anne Lise Nordheim. Sparebanken Vest strives for an active and future-oriented focus on the environment, both internally and externally. Because of this, the report is made in electronic form only. The report is available on www.spv.no Contents Key figures for the Group ............................ 5 Local identity through generations ................ 7 Organizational model ................................... 9 Corporate Management ............................... 11 The Board of Directors ................................. 12 The year 2017 ............................................. 15 Comments by CEO ..................................... 16 Board of Directors’ report ........................... 18 Accounting and notes .................................. 38 Auditors Report .......................................... 114 Responsibility Statement ............................. 119 Group Key Figures ...................................... 119 Corporate governance ................................ 129 Subsidiaries and Associated Companies ..... 138 Branch locations ........................................ 139 Sparebanken Vest Annual Report 2017 Page 4 Key figures for the Sparebanken Vest Group Amounts in NOK million 2017 2016 2015 2014 2013 INCOME STATEMENT Net interest and credit commission income 2 565 2 399 2 354 2 320 2 161 Net other operating income 761 843 594 910 768 Total operating expenses 1 450 1 270 1 443 1 470 1 428 Profit/loss before write-downs and tax expense 1 877 1 972 1 505 1 760 1 501 Net profit on tangible fixed assets 0 23 76 143 0 Write-downs and losses on loans and guarantees 33 39 185 410 280 Profit/loss before tax expense 1 844 1 956 1 396 1 493 1 221 BALANCE SHEET Assets under management 175 190 162 752 161 663 147 070 134 396 Net lending 147 073 136 099 128 927 118 643 112 024 Securities 24 194 23 144 28 563 22 627 18 889 Deposits 69 111 66 486 63 900 66 448 62 172 Subordinated loan capital 2 109 2 133 1 838 2 426 2 271 Equity 14 054 13 065 11 314 9 094 8 135 KEY FIGURES Net interest and credit commission income as % of primary capital 1,5 1,47 1,55 1,68 1,67 Pre-tax profit/loss as % of primary capital 1,07 1,19 0,92 1,08 0,94 Return on equity after tax 11,0 13,1 11,0 13,7 11,7 Loss percentage, lending 0,02 0,03 0,15 0,35 0,25 Change in net lending 8,0 5,6 8,7 5,9 4,9 Change in deposits 3,9 4,0 -3,8 6,9 3,6 Net subordinated capital (NOK) 15 122 14 135 12 434 10 706 9 541 Capital adequacy 18,7 18,7 16,9 15,6 14,3 Core capital adequacy 16,7 16,5 15,0 13,6 13,2 Core Tier 1 capital adequacy 15,0 14,9 13,7 12,2 11,2 Capital adequacy, IRB 22,8 21,2 18,6 17,9 18,1 Dividend per equity certificate (NOK) 3,75 4,50 1,10 4,00 3,00 Listed price per equity certificate at year-end (NOK) 54,5 48,4 35,0 41,6 37,3 Direct return 6,9 9,3 3,1 9,6 8,1 Effective return per equity certificate in % 21,9 41,4 -6,2 18,1 62,6 Owner fraction after the distribution of dividend 22,1 23,2 24,6 19,5 20,5 See page 38 for a full overview of key figures and definitions Sparebanken Vest Annual Report 2017 Page 5 Sparebanken Vest Annual Report 2017 Page 6 Local identity through generations 1823 Bergens Sparebank is established 1964 Alvøen Sparebank (1877) Herdla Sparebank (1899) 1970 Os Sparebank (1926) 1971 Alversund Sparebank (1910) Fjell Sparebank (1911) 1973 Odda Sparebank (1916) Haus Sparebank (1866) Hamre og Åsane Sparebank (1904) 1975 Lindås Sparebank (1865) Manger Sparebank (1889) Masfjorden Sparebank (1901) 1982 Sparebanken Vest 1982 Austrheim og Fedje Sparebank (1911) 1983 Fjære Sparebank (1875) Bremnes og Moster Sparebank (1975) Bruvik Sparebank (1903) Eid sokn Sparebank (1842) 1986 Fitjar Sparebank (1865) Fusa Sparebank (1858) Hosanger nye Sparebank (1928) Samnanger Sparebank (1874) 1989 Sparebanken Nordfjord (1852) Skånevik Sparebank (1863) Sogndal Sparebank (1842) Stord Sparebank (1862) Strandebarm Sparebank (1853) Sund og Austevoll Sparebank (1896) Vikøy Sparebank (1860) 2000 Acquisition of Vår Bank og Forsikring, Bergen 2006 Establishment Haugesund and Etne 2007 Acquisition of Fokus Banks’ business in Sogn & Fjordane 2008 Establishment Stavanger Establishment Sandnes 2009 Sauda Sparebank (1892) Establishment Hinna and Sola 2011 Sparebanken Hardanger (1846) 2012 Establishment Voss Establishment Nærbø Sparebanken Vest Annual Report 2017 Page 7 Sparebanken Vest Annual Report 2017 Page 8 Organizational model MANAGING DIRECTOR JAN ERIK KJERPESETH RISK MANAGEMENT ORGANIZATION AND DEVELOPMENT FRANK JOHANNESEN TINA ØDEGÅRD OPERATIONAL INNOVATION AND SERVICES CUSTOMER EXPERIENCE SIREN SUNDLAND BJØRG MARIT EKNES RETAIL MARKET CORPORATE MARKET FRANK BJØRNDAL RAGNHILD J. FRESVIK Sparebanken Vest Annual Report 2017 Page 9 Sparebanken Vest Annual Report 2017 Page 10 Corporate Management Jan Erik Kjerpeseth (Born 1971) CEO since 31 October 2013. Joined the bank in 1999, previously filled the position of Deputy Managing Director. Chair of the board of Frende Liv, Frende Skade, Brage Finans and Bergen Havn. Chair of the board of Finans Norge, Vipps and Finance Innovation. Former chair of the board of Bergen Chamber of Commerce and board member of Nets. Graduate in marketing from the Norwegian School of Marketing and holds an MBA from Heriot- Watt University and an Executive MBA in Brand Management from the Norwegian School of Economics (NHH). Frank H. Bjørndal (Born 1965) Executive Vice President. Head of Retail Market since 15 February 2017. Employee of Sparebanken Vest since 1985. Bjorndal has extensive management experience from various management positions in the retail market in Sparebanken Vest. Regional director in Bergen since 2006. Board member of Sparebanken Vest Boligkreditt AS and the Norwegian Handball Federation. Former board member of Eiendomsmegler Vest. Education from Handelshøyskolen BI. Has completed AFF Solstrand leadership programme for Young Leaders. Tina Ødegård (Born 1977) Executive Vice President. Head of Organization and Development from 21.09.17. Employed 01.09.2017. Tina Ødegård has extensive experience from working with organizational and cultural development in several business sectors like petroleum, finance, transport, shipping and technology. Ødegård holds a Master of Philosophy from NTNU with a major in organizational psychology.. Ragnhild Janbu Fresvik (Born 1980) Executive Vice President. Head of Corporate Market since 27 November 2013. Joined the bank in 2012. At Sparebanken Vest, she has been senior business developer, head of investor relations and CFO. She has wide-ranging consulting and finance experience from Boston Consulting Group in Oslo, and later as Investment Manager with the private equity company Borea Opportunity Management. Chair of the board of Eiendomsmegler Vest and board member of SNF (NHH). Former board member of Tide ASA and Sparebanken Vest Boligkreditt. Masters degree in business economics (siviløkonom) from the Norwegian School of Economics (NHH). Bjørg Marit Eknes (Born 1969) Executive Vice President. Head of Innovation and Customer Experience since 15 February 2017. Director of Retail Market since 2015. Has worked for Sparebanken Vest since 1997. Has wide-ranging management experience from various positions in Sparebanken Vest. Director of Business Support and Development since 2013 and previously filled the position of managing director of Sparebanken Vest Eiendomsforvaltning AS. She has previously worked for Fana Sparebank and the insurance company KLP Forsikring. Board member of Bank ID Norge AS, Bergen Aquarium and Banksjef C.J. Eges Stipendielegat. Has a master`s degree in business economics from the Norwegian School of Economics (NHH), and an MBA from Bond University in Australia. Has completed the MBA Brand Management module one at NHH, and the AFF Solstrand leadership programme. Siren Sundland (Born 1971) Executive Vice President. Head of Operational Services since 21 December 2015. Director of HR and Corporate Communication since 2009. Joined the bank in 2007. She has worked in the field of brand management and strategic communication for a number of companies in Western Norway. Wide-ranging experience from various professional environments, including Bergen Academy of Art and Design, the Norwegian Broadcasting Corporation (NRK) and the newspaper Bergens Tidende. Chair of the board of Den Nationale Scene and NHH’s Advisory Board. Has a cand.philol. degree from the University of Bergen, majoring in Nordic literature and Executive MBA in Management Control at NHH. Frank Johannesen (Born 1959) Executive Vice President. Head of Risk Management since 21 December 2015. Joined the bank in 1985. Has a very wide-ranging banking background and has held various management positions in the bank. Has been Director of Risk Management in Sparebanken Vest since 2002 and Director of Economy and Finance since 2013. Has a law degree from the University of Bergen as well as an Executive MBA in Strategic Management from the Norwegian School of Economics (NHH). He has also completed the AFF Solstrand leadership programme. Sparebanken Vest Annual Report 2017 Page 11 The Board of Directors Trygve Bruvik (Born 1952) – Chairman of the Board Chair and member of the board since April 2008.
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