Statistikk innhold
Statistics on
Banks and mortgage companies
The statistics on banks and mortgage companies compile balance sheets and profit and loss accounts for credit institutions, finance companies and state lending institutions. The balance sheet shows assets, liabilities and equity. The profit and loss account shows revenues and expenses.
Selected figures from these statistics
- Banks and mortgage companies, selected figures. NOK millionDownload table as ...Banks and mortgage companies, selected figures. NOK million
July 2025 August 2025 Banks Loans to households 1 674 111 1 679 749 Loans to the manufacturing industry 119 495 116 524 Deposits from households 1 871 660 1 880 331 Housing savings for young people 44 212 43 914 Mortgage companies Loans to households 2 324 078 2 333 114 Loans to the manufacturing industry 2 631 2 627 Explanation of symbolsDownload table as ... - Loans from banks by industry. NOK millionDownload table as ...Loans from banks by industry. NOK million
May 2025 June 2025 July 2025 August 2025 All industries 1 967 207 1 987 853 1 994 572 1 986 746 Agriculture 72 912 73 956 74 937 75 148 Forestry 4 910 4 827 4 868 4 986 Fishing and hunting 56 480 56 387 56 885 57 276 Fish farming services 69 212 71 528 73 760 73 613 Mining and quarrying 10 000 9 634 9 901 9 885 Services linked to extraction of crude petroleum and natural gas 1 578 1 478 1 534 1 536 Extraction of crude petroleum and natural gas 2 159 4 026 4 700 2 458 Industry 113 332 114 370 119 495 116 524 Ship and boat building 3 848 4 761 4 759 3 509 Electricity and water supply 67 721 69 380 67 485 67 031 Water supply, drainage and waste disposal 13 180 13 308 13 714 13 547 Real estate development 157 401 158 872 155 634 155 848 Building and construction work beyond real estate development 55 429 54 593 53 130 53 510 Commodity trade etc 100 237 102 123 99 488 94 738 Sea transport abroad and transport via pipelines 43 981 42 947 43 653 42 566 Transportation and storage 70 447 70 605 72 525 73 073 Hotels and restaurants 27 644 28 078 28 626 28 686 Information and communication 31 418 32 551 32 476 34 073 Real estate, renting and business activities 858 362 862 309 863 131 863 447 Professional and financial services 114 708 118 629 119 184 120 951 Businesslike services 40 637 41 652 42 695 41 809 Other service activities 51 599 51 829 51 979 52 524 Explanation of symbolsDownload table as ... - Loans to households by type, from banks and mortgage companies. NOK millionDownload table as ...Loans to households by type, from banks and mortgage companies. NOK million1
May 2025 June 2025 July 2025 August 2025 Banks Credit lines, secured on dwellings 183 771 184 419 185 060 183 910 Credit lines, secured on commercial property 18 221 18 489 18 987 19 003 Credit lines, secured on other items 4 076 4 209 4 374 4 261 Credit card loans 31 359 29 374 30 899 30 462 Factoring 1 084 1 041 1 026 1 071 Leasing 8 125 8 206 8 308 8 399 Other credit lines, without collateral 10 756 10 456 10 920 10 371 Repayment loans secured on dwellings 1 158 649 1 163 695 1 179 990 1 190 693 Repayment loans, secured on commercial property 90 029 90 216 88 807 91 040 Repayment loans, secured on other items 94 661 98 387 96 996 98 619 Repayment loans, without collateral 47 132 46 192 54 368 47 725 Reverse repurchase agreement 2 162 2 171 2 213 2 160 Mortgage companies Credit lines, secured on dwellings 471 840 474 035 472 256 475 455 Credit lines, secured on commercial property 694 660 652 682 Credit lines, secured on other items 498 509 492 488 Credit card loans 22 21 20 15 Factoring .. .. .. .. Leasing 2 568 2 602 2 601 2 603 Other credit lines, without collateral 10 .. 20 3 Repayment loans secured on dwellings 1 829 435 1 842 584 1 837 253 1 842 787 Repayment loans, secured on commercial property 3 997 3 784 3 746 4 042 Repayment loans, secured on other items 7 769 7 826 7 889 7 936 Repayment loans, without collateral 18 25 37 42 Reverse repurchase agreement .. .. .. .. 1Loans in this table are measured in gross value. Explanation of symbolsDownload table as ... - Deposits from households by type. NOK millionDownload table as ...Deposits from households by type. NOK million
May 2025 June 2025 July 2025 August 2025 Total deposits 1 824 520 1 881 564 1 871 660 1 880 331 Transaction deposits 1 500 906 1 553 254 1 543 016 1 549 788 Deposits with short agreed maturity 255 033 259 972 261 400 263 738 Deposits with long agreed maturity 12 867 12 884 12 791 12 655 Tax deduction accounts 425 566 317 428 Deposits related to pension schemes 371 370 367 367 Housing savings for young people 45 299 44 738 44 212 43 914 Deposits tied to other purposes 9 615 9 776 9 554 9 439 Explanation of symbolsDownload table as ... - Loans from financial corporations by borrower sector. NOK millionDownload table as ...Loans from financial corporations by borrower sector. NOK million
May 2025 June 2025 July 2025 August 2025 Banks Non-financial corporations 1 774 467 1 794 184 1 798 538 1 790 550 Financial corporations 613 970 621 121 616 684 582 481 General government 7 801 10 974 7 635 8 162 Non-profit institutions serving households 15 431 15 392 15 474 15 546 Households 1 641 634 1 648 996 1 674 111 1 679 749 Rest of the world 989 420 844 918 914 021 750 806 Finance companies1 Non-financial corporations . 82 654 . . Financial corporations . 943 . . General government . 3 620 . . Non-profit institutions serving households . 320 . . Households . 79 599 . . Rest of the world . 15 050 . . Mortgage companies Non-financial corporations 53 974 54 087 54 359 54 921 Financial corporations 66 354 54 623 55 885 56 542 General government 381 008 381 876 382 076 382 917 Non-profit institutions serving households 805 789 796 799 Households 2 315 963 2 331 165 2 324 078 2 333 114 Rest of the world 8 722 9 317 9 286 7 459 State lending institutions Non-financial corporations 37 182 35 018 35 002 34 926 Financial corporations 19 11 13 13 General government 128 965 129 586 130 012 130 368 Non-profit institutions serving households 13 100 13 135 13 247 13 221 Households 322 740 322 813 317 733 323 672 Rest of the world 5 018 5 025 4 943 5 047 1Quarterly reporting Explanation of symbolsDownload table as ... - Main figures from banks' profit and loss accounts. NOK millionDownload table as ...Main figures from banks' profit and loss accounts. NOK million
2nd quarter 2022 2nd quarter 2023 2nd quarter 2024 2nd quarter 2025 Total interest income and similar income 69 658 154 440 205 918 199 536 Total interest expenses and similar expenses 22 456 92 037 140 449 131 398 Net interest income 47 202 62 403 65 469 68 138 Total income 94 160 181 484 233 998 228 519 Total cost 54 829 128 570 178 894 171 418 Pre-loss profit 39 331 52 914 55 103 57 101 Total credit loss on loans, guarantees and securities 10 451 3 357 3 468 Confirmed credit losses on loans 4 663 551 1 517 2 493 Pre-tax profit 39 320 52 463 51 746 53 633 Taxes on ordinary profit 8 081 11 147 11 960 11 125 Profit and loss before other comprehensive income 31 240 41 316 39 786 42 508 Other comprehensive income before taxes 1 631 165 823 -526 Taxes on other comprehensive income -213 -75 -298 150 Comprehensive income 32 658 41 405 40 311 42 133 Explanation of symbolsDownload table as ... Deposits by county. NOK million Loans from banks by county. NOK million
About the statistics
The information under «About the statistics» was last updated 16 October 2024.
Balance sheet, monthly and yearly
The balance sheet shows assets, liabilities and equity at the end of the accounting period. The most important balance sheet items are presented by sector.
Profit and loss account, quarterly
The profit and loss account shows accumulated revenues and expenses throughout the year.
Deposits with short agreed maturity
Notice period up to and including 3 months or agreed maturity of up to and including 2 years.
Deposits with long agreed maturity
Notice period over 3 months or agreed maturity of over 2 years.
Transaction deposits
Comprises deposits from which, regardless of purpose, payments and withdrawals may be made directly, without additional costs beyond regular transaction fees (overnight deposits).
There are four types of classifications: object/instrument, sector, industry and type.
Finance objects and real objects (instruments)
Liabilities, claims and other assets in banks and financial corporations' balance sheets are divided into main equable groups, for example loans, bank deposits, bonds, shares etc.
Debtor and creditor sector
Borrowers and lenders are classified by institutional sector classification based on the national accounts' regulations. See our pages for the reporting institutions (in Norwegian)
Debtor and creditor industry
Based on regulations in the industry standard, loans and deposits are grouped according to which industry the debtor or creditor belongs to. See our pages for the reporting institutions (in Norwegian)
Income and cost types
Income and cost types are based on national account regulations. Examples of income and cost types are interest income and interest costs.
Name: Banks and mortgage companies
Topic: Banking and financial markets
Division for Financial Markets Statistics
The whole country
The monthly balance sheet statistics is published 5 weeks after the reporting period. The profit and loss account is published 8 weeks after the reporting period. Yearly aggregated loans and deposits by county are published 6 months after the reporting period.
Reporting to the BIS, Eurostat, the IMF and the OECD.
The reporting procedure is made in collaboration between the Financial Supervisory Authority of Norway, Norges Bank and Statistics Norway. The data from banks and financial corporations form the basis for the supervision of the institutions and the financial markets. The data is also an information base for the monetary and credit market policy and a vital contribution to the statistics for credit indicators and monetary growth. The reporting is the main base for the official statistics on financial enterprises. It is also an important input in the national accounts and the balance of payments and the credit market statistics. The data is used for international reporting to the BIS, Eurostat, the IMF and the OECD etc.
The main area of application is statistics (publishing and input in other statistics), analysis and supervision (by the Financial Supervisory Authority of Norway). The data is included in the national accounts, financial sector accounts and the balance of payments. Important users other than Statistics Norway are Norges Bank, the Financial Supervisory Authority of Norway, Ministry of Finance, the financial services industry, researchers at universities and in international organisations, and the media.
The statistics are based on the guidelines in the national accounts standards System of National Accounts from 2008 (SNA 2008), European System of Accounts from 2010 (ESA 2010) and the IMF Manual on Monetary and Financial Statistics.
Statistics from the financial institutions are used in the national accounts, financial sector accounts, the balance of payments and in the Norwegian statistics of foreign debt and receivables.
The main part of the data covered here is collected under the provisions of the Act on the Supervision of Credit Institutions, Insurance Companies and Securities Trading etc. (Financial Supervision Act) of 7 December 1956 no. 1 (with amendments per 1 July 2003). Reporting from Norges Bank and from state lending institutions is obtained under the provisions of the Act concerning official statistics and Statistics Norway of 21 June 2019 no. 32 (the Statistics Act).
Council directive 635/86 Accounting directive for banks and other credit institutions.
Council directive 2006/48/EF Supervisory directive relating to the taking up and pursuit of the business of credit institutions
Council regulation 295/2008. Council regulation 251/2009 Amendments to council regulation 295/2008.
Council regulation 2223/96 The regulation covers the European system for national and regional accounts.
Council regulation 1392/2007 Amendments to council regulation 2223/96.
Council regulation 1606/2002 Regulation on the application of international accounting standards
Council regulation 297/2008 Amendments to council regulation 1606/2002
The financial statistics is based on balance sheet and profit and loss account data from Norges Bank, all banks, state lending institutions, mortgage companies and financial companies in Norway, including foreign companies' branches in Norway.
The data is based on reconciliated accounting data from financial institutions.
The accounting statistics are based on the total count.
The Financial Supervisory Authority of Norway and Statistics Norway work together to collect the accounting data. All data is reported electronically via the official Norwegian portal Altinn. The reporting institutions receive automatic feedback on errors or possible errors in the reporting. These errors should be corrected within two days. After Statistics Norway complete to process the data, the reporting institutions may be asked to control, verify or correct other data not included in the automatic feedback. Corrections from the reporting institutions are received continuously.
- Statistical releases older than 3 April 2017
- Older tables for financial corporations, balance sheet, last updated April 2010
- Previous tables - Financial corporations, accounts, last updated 1st Quarter 2010
Amendments to the Accounting Act and regulations
The accounting statistics for financial institutions is based on current accounting regulations for financial institutions. Breaches may therefore occur in connection with changes in accounting legislation and in the regulations applicable to the financial institutions.
Structural changes in the financial sector
There are several new companies, acquisitions, mergers, spin-offs, reclassifications and portfolio movements every year. Many of these structural changes have no significant impact on the statistics, while others lead to breaches in the time series. Major changes will be commented upon in the current statistics publication.
Regulation on loans
The IFRS-adapted regulation on loans was introduced 1. January 2005. Which led to a small change in the measuring of the value of loans and guaranties in the accounting data and thereby to a small breach in the time series for loans and loan loss provisions. There was also a breach in the time series on loans in 1992 due to changes in accounting rules.
Changes in the presentation of the statistics
Data specifications are updated continuously. An example of changes in data series is that Credit lines secured on dwellings became a new specification from January 2006 and was partly deducted from repayment loans secured on dwellings.
Norwegian covered bonds
Covered bonds are bonds conferring a preferential claim over a cover pool consisting of public sector loans and loans secured on dwellings or other real property. Only mortgage companies with special authorisation can issue covered bonds in Norway, and these bonds have been issued since June 2007.
On 24 October 2008, the Norwegian Parliament granted the Ministry of Finance the authority to put into effect an arrangement where Norwegian banks could “swap” covered bonds with treasury bills. This “swap agreement” was aimed at reducing the negative effects of the financial crisis. The banks can acquire covered bonds either in the market or directly from mortgage companies that are licensed to issue covered bonds. Since the announcement of this offer by the Norwegian government, several new mortgage companies have been established. As a result, lending portfolios have been swapped between banks and mortgage companies.
New specification on industries
In May 2009, a new Norwegian standard for industries were introduced in the financial statistics. This change increased the possibilities to track the development in loans for important individual industries. It also led to breaches in time series for loans by industry. This makes comparison of loans by industry difficult in the period before and after May 2009 on monthly basis, and before and after May 2010 on yearly basis for several industries.
New institutional grouping of sectors
From January 2012, a new Norwegian standard for institutional grouping of sectors were made in line with revised international standards, which Norway is obliged to follow. From March 2012 onwards, this led to breaches in the accounting statistics for banks and financial institutions.
Some companies that were classified as non-financial institutions are now classified as financial institutions. Loan to these institutions should no longer be allocated between different industries and are no longer included in the statistics for loans by industry. The industry for professional and financial services is particularly affected, since many of the institutions that were included earlier, have been moved from non-financial institutions to financial institutions.
New specifications of deposits
As of April 2015, new deposit specifications were introduced in the balance sheet reporting. Some deposit series from the periods prior to April 2015 are therefore not comparable with later periods. See this article for more information: https://www.ssb.no/bank-og-finansmarked/artikler-og-publikasjoner/pengemengdestatistikken
Customisation of reporting from banks and finance companies (ORBOF) to international accounting standards (IFRS 9)
From January 2018 onwards, there has been completed a large restructuration of the reporting that is the basis for this statistic. This was an extensive restructuration and implied change of definitions in the reported data, which affected both the balance sheet and the profit and loss account. It also led to changes in the scope of some objects in the reporting. Due to the new reporting standard, there are breaches in some time series that makes it challenging to compare data before and after January 2018. See this article for more information: https://www.ssb.no/bank-og-finansmarked/omlegging-av-bankstatistikken
Errors and discrepancies can occur in the accounting data. These discrepancies can have a several sources:
*Errors in the reporting party's accounts
*Errors in the transfer of data from the institution's primary accounts to data reports and to recipients
*Different accounting and evaluation principles
*Different accounting dates for transactions
*Insufficient data from the reporting parties
*Processing errors
Due to large amounts of data and a dynamic control and revision system, published data will be regarded as preliminary until next years data for the same period is published. This means that data for the current year may be revised without this being marked in the preceding publishing. Large and important revision however, will be commented upon in the publishing of today's statistics.
The statistics show preliminary figures. Data may be revised in future publications.