Despite the relatively small size of the individual banks in the alliance, they collectively play a significant role in the larger Norwegian banking market. Terra Gruppen banks are often the largest financial players in their local markets, and are typically the main source of financing for their local communities. The banks therefore play a more important role in the Norwegian banking market than their size and market share alone imply.

In terms of total assets, Terra Gruppen banks have a 6,5% share of the Norwegian banking market. Combined total assets now exceed NOK 114 billion. Terra Gruppen banks are ranked fourth in Norway for lending to the retail market, with a market share of approximately 9%. Terra Gruppen banks have a more modest market share for lending to the corporate market, but this is not surprising since the banks focus mainly on the retail market. Total lending by the shareholder banks exceeds NOK 102 billion.

Terra Gruppen is Norway's most soundly capitalised bank group, with a core capital ratio of approximately 15,4%. This gives the banks and the Terra Gruppen the necessary autonomy to meet their obligations and achieve their objectives, both locally and collectively as a group.

Terra Gruppen banks have experienced downward pressure on interest margins in recent years, reflecting the general trend for the Norwegian banking sector. The banks have accordingly focused on increasing their sales of other financial products and services to replace falling interest margin income. With a collective customer base of 760,000 people, the Terra Gruppen banks and Terra-Gruppen AS represent one of the largest players in the Norwegian market for sales of financial products and services.

Terra Gruppen banks represent a significant distribution capacity with 200 branch offices in 105 municipalities. This distribution network, combined with a solid customer base and good products, makes it possible to sell a broad product range cost effectively. The individual banks benefit from access throughTerra Gruppen to products and services that they would be unable to develop and sell on their own.