5,25 billion inh. GDP pr capita 70 5,25 billion inh. GDP pr capita 70.800 USD (2016) 104 savingsbanks 40 % marketshare Major exports: Oil, gas, marine engineering and shipping, fisheries and fish farming, hydropower

Local banks are important The presence of local savings banks is important for the SME sector: Increased probability of getting loans The size of the loans increases But without an increase in default And with well performing SME- customers Menon economics 2013

We focus on the sustainability and environment because it is crucial to the future. Together with the bank, we have built the business step by step. Our goal is to deliver firstclass food products based on the cold artic sea. We belive in the future. The bank belives in us. It would not be possible without. It is important for the business community to have strong local banks, where decisions can be made quickly and locally. We have been lucky to have a bank with knowledge, and expertise in the fishing industry. The support and trust of the local bank, made this industrial adventure happen. The bank has been a valuable, trusted, strategic partner in the development of the company. With the bank behind us, we have moved from the planning bench to robotics over our 90-year history.

Brødrene Aa, Hyen, Norway World leader in the construction of  fast ferries made of carbon fibre composites. Pioneering the  use of  composite materials for fast ferry applications, first with fibreglass composites in the 1970s and today with carbon fibre composites.

Oilservice industry crises 2013-2017

Oilservice industry crises 2013-2017

Current trend: Big banks leave the less central regions

Thanks for listening Ole Geving omg@fno.no +4795846006