Report of the Standing Committee of the EFTA States — List of credit institutions authorised in Iceland, Liechtenstein and Norway provided for in Article 11 of Directive 2000/12/EC
Date: 2003-11-27
Institutions: Standing Committee of the EFTA States
Subjects: Iceland, Liechtenstein, Norway, credit institution, provision of services

27.11.2003

EN

Official Journal of the European Union

C 284/11

EUROPEAN ECONOMIC AREA

STANDING COMMITTEE OF THE EFTA STATES

REPORT OF THE STANDING COMMITTEE OF THE EFTA STATES

List of credit institutions authorised in Iceland, Liechtenstein and Norway provided for in
Article 11 of Directive 2000/12/EC

(2003/C 284/06)

1.
Articles 11 and 5(2c) of Directive 2000/12/EC of the European Parliament and of the Council of 20
March 2000 relating to the taking up and pursuit of the business of credit institutions (1) require the
European Commission to draw up and publish a list of all credit institutions authorised to do business in
EU Member States. Paragraph 6(b) of Protocol 1 to the EEA Agreement requires that ‘where according to
an act, facts, procedures, reports and the like are to be published in the Official Journal of the European
Union the corresponding information regarding the EFTA States shall be published in a separate section
thereof’.

2.
This is the fifth occasion on which the Standing Committee of the EFTA States complies with the
above requirement. The list published in the Annex to this communication comprises all the credit
institutions that were engaged in business in Iceland, Liechtenstein and Norway on 31 December 2002
falling within the scope of the Credit Institutions Directive.

3.
The present list was drawn up by the Standing Committee of the EFTA States on the basis of
information supplied by the EFTA States concerned. The list has no legal significance and confers no
right in law. If an unauthorised institution is inadvertently included in the list, its legal status is in no way
altered; similarly, if an institution has inadvertently been omitted from the list, the validity of its author-
isation will not be affected.

(1) Previously the first Council Directive 77/780/EEC, Articles 3(7) and 10(2).

ANNEX

ABBREVIATIONS IN THE TABLES

In the column ‘Minimal capital’, values have the following meaning:

Value

Y

N

O

Initial capital greater than EUR 5 million

Initial capital between EUR 1 and 5 million

No initial capital

Meaning

In the column ‘Status deposit protection’, values have the following meaning:

Value

Y

N

O

Meaning

Normal deposit guarantee scheme according to Directive 94/19/EC (Article 3(1)(1))

Equivalent deposit guarantee scheme according to Directive 94/19/EC (Article 3(1)(2))

No deposit guarantee scheme

C 284/12

EN

Official Journal of the European Union

27.11.2003

For any additional information:

ICELAND

Fjármálaeftirlitið (Financial Supervisory Authority)
Suðurlandsbraut 32
IS-108 Reykjavík
Tel. (354) 525 27 00
Fax (354) 525 27 27.

Name

1

Landsbanki Íslands hf.
Búnaðarbanki Íslands hf.
Íslandsbanki FBA hf.
Sparisjóðabanki Íslands hf.
Kaupþing banki hf.
Sparisjóður Bolungarvíkur
Sparisjóður Hafnarfjarðar
Sparisjóður Hornafjarðar og nágrennis
Sparisjóður Hólahrepps
Sparisjóður Húnaþings og Stranda
Sparisjóður Höfðhverfinga
Sparisjóðurinn í Keflavík
Sparisjóður Kópavogs
Sparisjóður My´ rasy´ slu
Sparisjóður Norðfjarðar
Sparisjóður Norðlendinga
Sparisjóður Ólafsfjarðar
Sparisjóður Ólafsvíkur
Sparisjóður Reykjavíkur og nágrennis
Sparisjóður Siglufjarðar
Sparisjóður Strandamanna
Sparisjóður S-þingeyinga
Sparisjóður Kaupþings
Sparisjóður Svarfdæla
Sparisjóður Vestmannaeyja
Sparisjóður vélstjóra
Sparisjóður Vestfirðinga
Sparisjóður Þórshafnar og nágrennis
Nb.is sparisjóður
Þróunarfélag Íslands hf.
Frjálsi fjárfestingarbankinn hf.
Greiðslumiðlun hf. — VISA Iceland (6)
Kreditkort hf. — Europay Iceland (6)
Byggðastofnun
Lánasjóður landbúnaðarins
Glitnir hf.
Ly´ sing hf.
SP-fjármögnun hf.

Location

Legal form

Observations

Minimum
capital

Status of deposit
protection

2

3

4

Reykjavík
Reykjavík
Reykjavík
Reykjavík
Reykjavík
Bolungarvík
Hafnarfjörður
Höfn
Sauðárkrókur
Hvammstangi
Grenivík
Keflavík
Kópavogur
Borgarnes
Norðfjörður
Akureyri
Ólafsfjörður
Ólafsvík
Reykjavík
Siglufjörður
Hólmavík
Laugar
Reykjavík
Dalvík
Vestmannaeyjar
Reykjavík
Þingeyri
Þórshöfn
Reykjavík
Reykjavík
Reykjavík
Reykjavík
Reykjavík
Reykjavík
Reykjavík
Reykjavík
Reykjavík
Reykjavík

Hlutafélag (1)
Hlutafélag (1)
Hlutafélag (1)
Hlutafélag (1)
Hlutafélag (1)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
(2)
Hlutafélag (1)
Hlutafélag (1)
Hlutafélag (1)
Hlutafélag (1)
(4)
(4)
Hlutafélag (1)
Hlutafélag (1)
Hlutafélag (1)

5

Y
Y
Y
Y
Y
Y
Y
N
N
N
N
Y
Y
Y
N
N
N
N
Y
N
N
N
Y
N
N
Y
Y
N
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y

6

Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
O (3)
O (3)
O (3)
O (3)
O (3)
O (3)
O (5)
O (5)
O (5)

(1) Limited liability company.
(2) Savings banks in Iceland are self-owned institutions.
(3) Credit institution not allowed to accept deposits from the public.
(4) State-owned institution.
(5) Credit institution which has leasing as its main activity, irrespective of how this activity is financed. Not allowed to accept deposits from the public.
(6) Main activity is payment services through issuance of payment cards.

27.11.2003

EN

Official Journal of the European Union

C 284/13

LIECHTENSTEIN

For additional information:

Amt für Finanzdienstleistungen (Financial Services Authority)
Herrengasse 8
FL-9490 Vaduz
Tel. (42-3) 236 62 21
Fax (42-3) 236 62 24.

Name

1

Liechtensteinische Landesbank AG
LGT Bank in Liechtenstein AG
Verwaltungs- und Privat-Bank AG
Neue Bank AG
Centrum Bank AG
Volksbank AG
Hypo Investment Bank AG
Swissfirst Bank (Liechtenstein) AG (2)
Bank Frick & Co. AG
Bank von Ernst (Liechtenstein) AG
Raiffeisen Bank (Liechtenstein) AG
Serica Bank AG
Hypo Alpe-Adria-Bank (Liechtenstein) AG (3)
BNP Paribas (Liechtenstein) AG
New Century Bank AG (4)
Bank Vontobel (Liechtenstein) AG
ERSTE Sparkasse (Liechtenstein) AG

Location

Legal form

Observations

Minimum
capital

Status of deposit
protection

2

3

4

Vaduz
Vaduz
Vaduz
Vaduz
Vaduz
Vaduz
Vaduz
Vaduz
Balzers
Vaduz
Schaan
Vaduz
Schaan
Triesen
Vaduz
Vaduz
Vaduz

Aktiengesellschaft (1)
Aktiengesellschaft
Aktiengesellschaft
Aktiengesellschaft
Aktiengesellschaft
Aktiengesellschaft
Aktiengesellschaft
Aktiengesellschaft
Aktiengesellschaft
Aktiengesellschaft
Aktiengesellschaft
Aktiengesellschaft
Aktiengesellschaft
Aktiengesellschaft
Aktiengesellschaft
Aktiengesellschaft
Aktiengesellschaft

5

Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y

6

Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y

(1) Limited liability company.
(2) ex Bank Wegelin (Liechtenstein) AG, Vaduz.
(3) ex Investment und Portfoliomanagement Bank AG, Schaan.
(4) ex RheintalBank AG, Schaan.

NORWAY

For any additional information:

Kredittilsynet (the Banking, Insurance and Securities Commission of Norway)
PO Box 100 Bryn
N-0611 Oslo
Tel. (47) 22 93 98 00
Fax (47) 22 72 02 36.

Name

1

ANDEBU SPAREBANK

ANKENES SPAREBANK

ARENDAL OG OMEGNS SPAREBANK

ASKIM SPAREBANK

AURLAND SPAREBANK

AURSKOG SPAREBANK

BAMBLE OG LANGESUND SPAREBANK

BERG SPAREBANK

BIRKENES SPAREBANK

BJUGN SPAREBANK

BLAKER SPAREBANK

BORGE SPAREBANK

Location

Legal form

Observations

Minimum
capital

Status of deposit
protection

2

3

4

Andebu

Narvik

Arendal

Askim

Aurland

Aurskog

Stathelle

Halden

Birkeland

Bjugn

Blaker

Bøstad

Sb (1)

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

5

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

N

6

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

C 284/14

EN

Official Journal of the European Union

27.11.2003

1

2

3

4

BUD FRÆNA OG HUSTAD SPAREBANK
BØ SPAREBANK
CULTURA SPAREBANK
DRANGEDAL OG TØR-DAL SPAREBANK
EIDSBERG SPAREBANK
SPAREBANKEN ØST
ENEBAKK SPAREBANK
ETNE SPAREBANK
ETNEDAL SPAREBANK
EVJE OG HORNNES SPAREBANK
FANA SPAREBANK
FJALER SPAREBANK
FLEKKEFJORD SPAREBANK
FRON SPAREBANK
GILDESKÅL SPAREBANK
GJENSIDIGE NOR SPAREBANK
GJERPEN OG SOLUM SPAREBANK
GJERSTAD SPAREBANK
GRAN SPAREBANK
GRONG SPAREBANK
GRUE SPAREBANK
HALDEN SPAREBANK
HALTDALEN SPAREBANK
HARSTAD SPAREBANK
HAUGESUND SPAREBANK
HEGRA SPAREBANK
HELGELAND SPAREBANK
HJARTDAL OG GRANSHERAD SPAREBANK
HJELMELAND SPAREBANK
HOL SPAREBANK
HOLLA SPAREBANK
HØLAND SPAREBANK
HØNEFOSS SPAREBANK
INDRE SOGN SPAREBANK
JERNBANEPERSONALETS SPAREBANK
KLEPP SPAREBANK
KLÆBU SPAREBANK
KRAGERØ SPAREBANK
KVINESDAL SPAREBANK
KVINNHERAD SPAREBANK
LARVIKBANKEN BRUNLANES SPAREBANK
LILLESANDS SPAREBANK
LILLESTRØM SPAREBANK
LOM OG SKJÅK SPAREBANK
LUNDE SPAREBANK
LUSTER SPAREBANK
MARKER SPAREBANK
MELDAL SPAREBANK
MELHUS SPAREBANK
MODUM SPAREBANK
NARVIK SPAREBANK
NES PRESTEGJELDS SPAREBANK
NESSET SPAREBANK
NORDMØRE SPAREBANK
NØTTERØ SPAREBANK

Elnesvågen
Bø i Telemark
Oslo
Drangedal
Mysen
Drammen
Enebakk
Etne
Etnedal
Evje
Bergen
Dale i Sunnfjori
Flekkefjord
Vinstra
Inndyr
Oslo
Skien
Gjerstad
Jaren
Grong
Kirkenær
Halden
Haltdalen
Harstad
Haugesund
Hegra
Mosjøen
Sauland
Hjelmeland
Geilo
Ulefoss
Bjørkelangen
Hønefoss
Årdalstangen
Oslo
Kleppe
Klæbu
Kragerø
Kvinesdal
Rosendal
Larvik
Lillesand
Lillestrøm
Lom
Lunde
Gaupne
Ørje
Meldal
Melhus
Vikersund
Narvik
Nesbyen
Eidsvåg i Romsdal
Kristiansund
Tønsberg

Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb
Sb

5

Y
Y
N
Y
Y
Y
O (2)
Y
N
Y
Y
Y
Y
Y
N
Y
Y
N
Y
Y
Y
Y
N
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y

6

Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y
Y

27.11.2003

EN

Official Journal of the European Union

C 284/15

1

2

3

4

ODAL SPAREBANK

OPDALS SPAREBANK

ORKDAL SPAREBANK

RINDAL SPAREBANK

RINGERIKES SPAREBANK

RYGGE-VAALER SPAREBANK

RØROSBANKEN RØROS SPAREBANK

SANDNES SPAREBANK

SANDSVÆR SPAREBANK

SAUDA SPAREBANK

SELBU SPAREBANK

SELJORD SPAREBANK

SETSKOG SPAREBANK

SKUDENES & AAKRA SPAREBANK

SOKNEDAL SPAREBANK

SPAREBANK 1 HALLINGDAL

SPAREBANKEN BIEN

Sagstua

Oppdal

Orkdal

Rindal

Hønefoss

Moss

Røros

Sandnes

Kongsberg

Sauda

Selbu

Seljord

Setskog

Åkrehamn

Soknedal

Ål

Oslo

SPAREBANKEN EVENES-BALLANGEN

Bogen i Ofoten

SPAREBANKEN FLORA-BREMANGER

SPAREBANKEN GRENLAND

SPAREBANKEN HARDANGER

SPAREBANKEN HEDMARK

SPAREBANKEN HEMNE

SPAREBANKEN JEVNAKER LUNNER

SPAREBANKEN MIDT-NORGE

SPAREBANKEN MØRE

SPAREBANKEN NORD-NORGE

SPAREBANKEN PLUSS

SPAREBANKEN RANA

SPAREBANKEN ROGALAND

SPAREBANKEN SOGN OG FJORDANE

SPAREBANKEN SØR

SPAREBANKEN VEST

SPARESKILLINGSBANKEN

SPYDEBERG SPAREBANK

STADSBYGD SPAREBANK

STANGVIK SPAREBANK

STRØMMEN SPAREBANK

SUNNDAL SPAREBANK

SURNADAL SPAREBANK

SØGNE OG GREIPSTAD SPAREBANK

TIME SPAREBANK

TINGVOLL SPAREBANK

TINN SPAREBANK

TJELDSUND SPAREBANK

TOLGA-OS SPAREBANK

TOTENS SPAREBANK

TRØGSTAD SPAREBANK

TYSNES SPAREBANK

VALLE SPAREBANK

VANG SPAREBANK

VEGÅRSHEI SPAREBANK

VERRAN SPAREBANK

Florø

Porsgrunn

Utne

Hamar

Kyrksæterøra

Jevnaker

Trondheim

Ålesund

Tromsø

Kristiansand S

Mo i Rana

Stavanger

Førde

Arendal

Bergen

Kristiansand S

Spydeberg

Stadsbygd

Kvanne

Strømmen

Sunndalsøra

Surnadal

Søgne

Bryne

Tingvoll

Rjukan

Ramsund

Tolga

Lena

Trøgstad

Uggdal

Valle

Vang i Valdres

Vegårshei

Mosvik

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

5

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

N

Y

Y

Y

Y

N

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

N

Y

Y

Y

Y

Y

N

Y

N

Y

Y

Y

Y

Y

Y

N

O

6

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

C 284/16

EN

Official Journal of the European Union

27.11.2003

1

2

3

4

London
Stockholm
København (4)
Cayman Islands
New York

London
Stockholm
København
Cayman Islands
Singapore
Hamburg
New York

VESTFOLD SPAREBANK

VESTRE SLIDRE SPAREBANK

VIK SPAREBANK

VOLDA OG ØRSTA SPAREBANK

VOSS SPAREBANK

ØKSENDAL SPAREBANK

ØRLAND SPAREBANK

ØRSKOG SPAREBANK

ØYSTRE SLIDRE SPAREBANK

ÅFJORD SPAREBANK

AASEN SPAREBANK

ACTA BANK

BANKIA BANK

BOLIG- OG NÆRINGSBANKEN

NORDEA BANK

Sandefjord

Slidre

Vik i Sogn

Volda

Voss

Øksendal

Brekstad

Ørskog

Heggenes

Åfjord

Åsen

Oslo

Oslo

Trondheim

Oslo

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb

Sb
AS (3)
AS

AS

AS

DEN NORSKE BANK ASA

Bergen

AS

PRIVATBANKEN

FINANSBANKEN ASA

FOKUS BANK ASA

KREDITTBANKEN ASA

LANDKREDITT BANK AS

NORDLANDSBANKEN ASA

ROMSDALS FELLESBANK ASA

STOREBRAND BANK AS

VOSS VEKSEL- OG LANDMANDSBANK ASA

BANK 1 OSLO

VERDIBANKEN

KOMMUNALBANKEN

A/S FISKERIKREDITT

ASA EKSPORTFINANS

BOLIG- OG NÆRINGSKREDITT ASA

Oslo

Oslo

Trondheim

Ålesund

Oslo

Bodø

Molde

Oslo

Voss

Oslo

Oslo

Oslo

Tromsø

Oslo

Trondheim

DEN NORDENFJELDSKE BYKREDITTFORENING

Trondheim

EIENDOMSKREDITT NORGE AS

KOMMUNEKREDITT NORGE AS

LANDKREDITT NORGE AS

NORGESKREDITT A/S

SPAREBANKENES KREDITTSELSKAP AS

AMERICAN EXPRESS COMPANY AS

SPAREBANKEN FINANS NORD-NORGE

AS FINANCIERING

BERGEN BROKER FINANS AS

BNP FINANS AS

DINERS CLUB NORGE AS

DNB FACTORING AS

DNB FINANS AS

DNB KORT AS

ELLOS FINANS AS

Bergen

Trondheim

Oslo

Bergen

Oslo

Oslo

Tromsø

Oslo

Bergen

Oslo

Oslo

Oslo

Bergen

Oslo

Kolbotn

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

AS

5

Y

Y

Y

Y

Y

O

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

N

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

N

Y

Y

Y

Y

N

Y

6

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

Y

O

O

O

O

O

O

Y

O

O

O

O

O

O

O

O

O

O

O

O

O

27.11.2003

EN

Official Journal of the European Union

C 284/17

3

4

1

EUROPAY NORGE AS
FACTONOR AS
GE CAPITAL BILFINANS AS
ELCON FINANS AS
HANDELSBANKEN FINANS AS
HEDMARK FINANS AS
IKANO FINANS AS
K-FINANS AS
LINDORFF CAPITAL AS
MIDT-NORGE LEASING AS
MØLLER BILFINANS AS
MØRE FINANS AS
NORD FINANS A/S
OLYMPIA FINANS AS
PITNEY BOWES FINANS NOR
SKANDIABANKEN BILFINANS AS
SKANDIABANKEN MERKEFINANS AS
ENTER CARD AS
STOREBRAND FINANS AS
VISA NORGE A/S
SPAREBANK 1 FINANS AS
WESTBROKER FINANS AS
OBOS
UPS CAPITAL NORDIC AS

2

Oslo
Ålesund
Fredrikstad
Lysaker
Oslo
Hamar
Billingstad
Oslo
Oslo
Trondheim
Oslo
Ålesund
Bodø
Oslo
Oslo
Bergen
Bergen
Trondheim
Oslo
Oslo
Oslo
Stavanger
Oslo
Oslo

AS
AS
AS
AS
AS
AS
AS
AS
AS
AS
AS
AS
AS
AS
AS
AS
AS
AS
AS
AS
AS
AS
AS
AS

5

Y
N
N
Y
Y
Y
Y
Y
Y
Y
Y
N
N
Y
Y
Y
Y
Y
Y
O
Y
Y
Y
Y

6

O
O
O
O
O
O
O
O
O
O
O
O
O
O
O
O
O
O
O
O
O
O
O
O

(1) ‘Sb’: Sparebank (Savings banks). Savings banks in Norway are self-owned institutions.
(2) O: Smaller savings banks operating before the EEA directives were in force will still have lower ‘initial capital’, than EUR 1 million, hence ‘O’
(3) ‘AS’: Limited liability company (AS or ASA). These are divided in three groups: commercial banks, mortgage companies and finance companies.
(4) The intention of establishing a branch has been notified but the branch has not established yet.

in the table.