Doing Business 2018 Norway

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Doing Business 2018 Norway
Doing Business 2018   Norway

                               Page 1
Doing Business 2018 Norway
Doing Business 2018       Norway

                                             Economy Profile of Norway

                                          Doing Business 2018 Indicators
                                     (in order of appearance in the document)

Starting a business                 Procedures, time, cost and paid-in minimum capital to start a limited liability company

Dealing with construction permits   Procedures, time and cost to complete all formalities to build a warehouse and the quality
                                    control and safety mechanisms in the construction permitting system

Getting electricity                 Procedures, time and cost to get connected to the electrical grid, the reliability of the
                                    electricity supply and the transparency of tariffs

Registering property                Procedures, time and cost to transfer a property and the quality of the land administration
                                    system

Getting credit                      Movable collateral laws and credit information systems

Protecting minority investors       Minority shareholders’ rights in related-party transactions and in corporate governance

Paying taxes                        Payments, time and total tax rate for a firm to comply with all tax regulations as well as post-
                                    filing processes

Trading across borders              Time and cost to export the product of comparative advantage and import auto parts

Enforcing contracts                 Time and cost to resolve a commercial dispute and the quality of judicial processes

Resolving insolvency                Time, cost, outcome and recovery rate for a commercial insolvency and the strength of the
                                    legal framework for insolvency

Labor market regulation             Flexibility in employment regulation and aspects of job quality

                                                                                                                                       Page 2
Doing Business 2018          Norway

About Doing Business

The Doing Business project provides objective measures of business regulations and their enforcement across 190 economies and selected
cities at the subnational and regional level.

The Doing Business project, launched in 2002, looks at domestic small and medium-size companies and measures the regulations applying
to them through their life cycle.

Doing Business captures several important dimensions of the regulatory environment as it applies to local firms. It provides quantitative
indicators on regulation for starting a business, dealing with construction permits, getting electricity, registering property, getting credit,
protecting minority investors, paying taxes, trading across borders, enforcing contracts and resolving insolvency. Doing Business also
measures features of labor market regulation. Although Doing Business does not present rankings of economies on the labor market
regulation indicators or include the topic in the aggregate distance to frontier score or ranking on the ease of doing business, it does present
the data for these indicators.

By gathering and analyzing comprehensive quantitative data to compare business regulation environments across economies and over time,
Doing Business encourages economies to compete towards more efficient regulation; offers measurable benchmarks for reform; and serves
as a resource for academics, journalists, private sector researchers and others interested in the business climate of each economy.

In addition, Doing Business offers detailed subnational reports, which exhaustively cover business regulation and reform in different cities and
regions within a nation. These reports provide data on the ease of doing business, rank each location, and recommend reforms to improve
performance in each of the indicator areas. Selected cities can compare their business regulations with other cities in the economy or region
and with the 190 economies that Doing Business has ranked.

The first Doing Business report, published in 2003, covered 5 indicator sets and 133 economies. This year’s report covers 11 indicator sets
and 190 economies. Most indicator sets refer to a case scenario in the largest business city of each economy, except for 11 economies that
have a population of more than 100 million as of 2013 (Bangladesh, Brazil, China, India, Indonesia, Japan, Mexico, Nigeria, Pakistan, the
Russian Federation and the United States) where Doing Business, also collected data for the second largest business city. The data for these
11 economies are a population-weighted average for the 2 largest business cities. The project has benefited from feedback from
governments, academics, practitioners and reviewers. The initial goal remains: to provide an objective basis for understanding and improving
the regulatory environment for business around the world.

The distance to frontier (DTF) measure shows the distance of each economy to the “frontier,” which represents the best performance
observed on each of the indicators across all economies in the Doing Business sample since 2005. An economy’s distance to frontier is
reflected on a scale from 0 to 100, where 0 represents the lowest performance and 100 represents the frontier. The ease of doing business
ranking ranges from 1 to 190. The ranking of 190 economies is determined by sorting the aggregate distance to frontier scores, rounded to
two decimals.

More about Doing Business (PDF, 5MB)

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Doing Business 2018                 Norway

         Ease of Doing Business in                                                                                             DB 2018 Rank
                                                Region                 OECD high income
                                                                                                               190                                         1
               Norway
                                                Income Category        High income                                                                     8
                                                                                                                        DB 2018 Distance to Frontier (DTF)
                                                Population             5,232,929
                                                                                                                 0                               100

                                                City Covered           Oslo                                                                     82.16

                                                               DB 2018 Distance to Frontier (DTF)

                       0                                                                                                               100
                                                                                                                     84.06: Denmark (Rank: 3)

                                                                                                                  82.22: United Kingdom (Rank: 7)

                                                                                                                  82.16: Norway (Rank: 8)

                                                                                                                80.37: Finland (Rank: 13)

                                                                                                           77.46: Regional Average (OECD high income)

                                                                                                          76.13: France (Rank: 31)

Note: The distance to frontier (DTF) measure shows the distance of each economy to the “frontier,” which represents the best performance observed on each of the
indicators across all economies in the Doing Business sample since 2005. An economy’s distance to frontier is reflected on a scale from 0 to 100, where 0 represents the
lowest performance and 100 represents the frontier. The ease of doing business ranking ranges from 1 to 190.

Rankings on Doing Business topics - Norway

         1                                                                                     10                                               8                 6
                                                                14
                19              21              23                                                                             22
                                                                                                                28
         28

         55
                                                                               77
         82
 Rank

        109

        136

        163

        190

              Starting       Dealing          Getting        Registering      Getting       Protecting         Paying        Trading         Enforcing          Resolving
                 a            with           Electricity      Property        Credit         Minority          Taxes         across          Contracts         Insolvency
              Business     Construction                                                     Investors                        Borders
                             Permits

Distance to Frontier (DTF) on Doing Business topics - Norway

        100                                                                                                                   96.97
               94.30
                                              87.46            87.26                                           85.18                                             85.94
                              78.83
        80                                                                                    75.00                                            75.71

        60                                                                    55.00
DTF

        40

        20

         0

              Starting       Dealing          Getting        Registering      Getting       Protecting         Paying        Trading         Enforcing          Resolving
                 a            with           Electricity      Property        Credit         Minority          Taxes         across          Contracts         Insolvency
              Business     Construction                                                     Investors                        Borders
                             Permits

                                                                                                                                                                            Page 4
Doing Business 2018             Norway

        Starting a Business

  This topic measures the paid-in minimum capital requirement, number of procedures, time and cost for a small- to medium-sized limited
  liability company to start up and formally operate in economy’s largest business city.

  To make the data comparable across 190 economies, Doing Business uses a standardized business that is 100% domestically owned, has
  start-up capital equivalent to 10 times income per capita, engages in general industrial or commercial activities and employs between 10 and
  50 people one month after the commencement of operations, all of whom are domestic nationals. Starting a Business considers two types of
  local limited liability companies that are identical in all aspects, except that one company is owned by 5 married women and the other by 5
  married men. The distance to frontier score for each indicator is the average of the scores obtained for each of the component indicators.

  The most recent round of data collection for the project was completed in June 2017. See the methodology for more information.

      What the indicators measure                            Case study assumptions

  Procedures to legally build a warehouse                   To make the data comparable across economies, several assumptions about the
  (number)                                                  business and the procedures are used. It is assumed that any required information is
                                                            readily available and that the entrepreneur will pay no bribes.
●
      Submitting all relevant documents and obtaining
      all necessary clearances, licenses, permits and
                                                            The business:
      certificates
●
      Submitting all required notifications and receiving   - Is a limited liability company (or its legal equivalent). If there is more than one type
      all necessary inspections                             of limited liability company in the economy, the most common among domestic firms
                                                            is chosen. Information on the most common form is obtained from incorporation
●
      Obtaining utility connections for water and
                                                            lawyers or the statistical office.
      sewerage
                                                            - Operates in the economy’s largest business city and the entire office space is
●
      Registering and selling the warehouse after its       approximately 929 square meters (10,000 square feet). For 11 economies the data
      completion                                            are also collected for the second largest business city.
                                                            - Is 100% domestically owned and has five owners, none of whom is a legal entity;
  Time required to complete each procedure
                                                            and has a start-up capital of 10 times income per capita and has a turnover of at
  (calendar days)
                                                            least 100 times income per capita.
●
      Does not include time spent gathering information     - Performs general industrial or commercial activities, such as the production or sale
●
      Each procedure starts on a separate day (2            of goods or services to the public. The business does not perform foreign trade
      procedures cannot start on the same day)              activities and does not handle products subject to a special tax regime, for example,
                                                            liquor or tobacco. It does not use heavily polluting production processes.
●
      Procedures fully completed online are recorded
                                                            - Leases the commercial plant or offices and is not a proprietor of real estate and the
      as ½ day
                                                            amount of the annual lease for the office space is equivalent to 1 times income per
●
      Procedure is considered completed once final          capita.
      document is received                                  - Does not qualify for investment incentives or any special benefits.
●
      No prior contact with officials                       - Has at least 10 and up to 50 employees one month after the commencement of
                                                            operations, all of whom are domestic nationals.
  Cost required to complete each procedure (% of            - Has a company deed 10 pages long.
  income per capita)
                                                            The owners:
●
      Official costs only, no bribes
●
      No professional fees unless services required by      - Have reached the legal age of majority. If there is no legal age of majority, they are
      law or commonly used in practice                      assumed to be 30 years old.
                                                            - Are sane, competent, in good health and have no criminal record.
  Paid-in minimum capital (% of income per capita           - Are married and the marriage is monogamous and registered with the authorities.
●
      Funds deposited in a bank or with third party         - Where the answer differs according to the legal system applicable to the woman or
      before registration or up to 3 months after           man in question (as may be the case in economies where there is legal plurality), the
      incorporation                                         answer used will be the one that applies to the majority of the population.

                                                                                                                                                         Page 5
Doing Business 2018          Norway

Starting a Business - Norway

  Standardized Company

 Legal form                                                               Aksjeselskap (AS) - Private Limited Liability Company

 Paid-in minimum capital requirement                                      NOK 30,000

 City Covered                                                             Oslo

  Indicator                                                       Norway                 OECD high                   Overall Best Performer
                                                                                         income

 Procedure – Men (number)                                        4                       4.9                        1.00 (New Zealand)

 Time – Men (days)                                               4                       8.5                        0.50 (New Zealand)

 Cost – Men (% of income per capita)                             0.9                     3.1                        0.00 (United Kingdom)

 Procedure – Women (number)                                      4                       4.9                        1.00 (New Zealand)

 Time – Women (days)                                             4                       8.5                        0.50 (New Zealand)

 Cost – Women (% of income per capita)                           0.9                     3.1                        0.00 (United Kingdom)

 Paid-in min. capital (% of income per capita)                   4.8                     8.7                        0.00 (113 Economies)

 Figure – Starting a Business in Norway and comparator economies – Ranking and DTF

                                                      DB 2018 Distance to Frontier (DTF)

       0                                                                                           100

                                                                                          94.58: United Kingdom (Rank: 14)

                                                                                          94.30: Norway (Rank: 19)

                                                                                         93.28: France (Rank: 25)

                                                                                         93.15: Finland (Rank: 26)

                                                                                        92.50: Denmark (Rank: 34)

                                                                                       91.35: Regional Average (OECD high income)

Note: The ranking of economies on the ease of starting a business is determined by sorting their distance to frontier scores for starting a
business. These scores are the simple average of the distance to frontier scores for each of the component indicators.

                                                                                                                                              Page 6
Doing Business 2018   Norway

  Figure – Starting a Business in Norway – Procedure, Time and Cost

                                                 Time (days)        Cost (% of income per capita)
                4                                                                                                                       1

               3.5

                                                                                                                                              Cost (% of income per capita)
                                                                                                                                        0.8
                3
 Time (days)

               2.5
                                                                                                                                        0.6

                2

                                                                                                                                        0.4
               1.5

                1
                                                                                                                                        0.2
               0.5

                0                                                                                                                       0
                         1                             2                              3                              *4
                                                               Procedures (number)

* This symbol is shown beside procedure numbers that take place simultaneously with the previous procedure.

Note: Online procedures account for 0.5 days in the total time calculation. For economies that have a different procedure list for men and
women, the graph shows the time for women. For more information on methodology, see the Doing Business website
(http://doingbusiness.org/en/methodology ). For details on the procedures reflected here, see the summary below.

                                                                                                                                                                              Page 7
Doing Business 2018             Norway

Details – Starting a Business in Norway – Procedure, Time and Cost

No.     Procedures                                                                                      Time to Complete      Associated Costs

1       Deposit start-up capital in a bank                                                              Less than one day     no charge
        Agency : Bank                                                                                   (online procedure)
        The partners need to deposit the paid-in minimum capital (at least NOK 30,000) in a
        bank. The procedure is done electronically through the bank’s online platform. One of the
        commonly used banks by private persons and business owners is DNB ASA. It’s website
        is www.dnb.no. The account is blocked until the company has been registered.

2       Submit the application with the Register of Business Enterprises, file for                      Less than one day     NOK 5570
        VAT registration and file for employer registration                                             (online procedure)    (electronically) / NOK
        Agency : Register of Business Enterprises                                                                             6797 (on paper)
        The web-based filing system allows for electronic signature of the registration form and
        for the possibility to upload all attachments (i.e., copies of signed versions of the
        memorandum, auditor statements, and the rest) electronically.

        It is still possible to file all documents manually by regular mail as well. In some cases
        registration inquiries cannot be filed online (i.e., mergers, some cases of increase of share
        capital, and so on) and must be filed by mail.

        VAT registration is required when the company’s turnover has exceeded NOK 50,000.
        VAT cannot be charged on goods and other items before VAT registration is completed.
        However, in certain cases the company may register for VAT before starting business
        operations. The VAT registration form can be submitted at the same time as filing for
        company registration.

        Also, the employer can submit an A-notification, after which the company will be
        registered in the NAV AA Registry. If the company knows it will have employees
        immediately after incorporation and registration with the Norwegian Registry of Business
        Enterprises, the company will check the box for having employees (or intending to have
        employees) and will thereafter receive information about submitting A-notifications.
        Normally the monthly submitting of A-notification will be done via the company's
        payroll-system, but it can also be submitted via the electronic portal Altinn (normally for
        smaller companies).

3       Arrange for mandatory occupational pension plan for employees                                   3 days                no charge
        Agency : Pension Agency
        The employer must arrange for a mandatory occupational pension plan for his or her
        employees. The fees vary with the benefits and level of coverage in the pension plan. The
        minimum requirement is 2% of each employee’s salary (within average levels of
        salaries). Pension scheme must be established within 6 months of the date on which the
        obligation to have an occupational pension scheme arose.

    4   The employer enrolls in the mandatory workers’ injury insurance                                 1 day (simultaneous   no charge
        Agency : Social Security Office                                                                 with previous
        The employer must have a workers' injury insurance for the employees. The insurance             procedure)
        company is chosen by the employer.
        The insurance must provide coverage for work-related injuries, regardless of whether the
        injury is anybody's fault. The insurance must cover injury and illness caused by accidents
        at work, illness covered by the same benefits as occupational injury pursuant to the
        National Insurance Act, and other injury and illness caused by exposure to harmful
        substances or work processes.

Takes place simultaneously with previous procedure.

                                                                                                                                                       Page 8
Doing Business 2018             Norway

        Dealing with Construction Permits

  This topic tracks the procedures, time and cost to build a warehouse—including obtaining necessary the licenses and permits, submitting all
  required notifications, requesting and receiving all necessary inspections and obtaining utility connections. In addition, the Dealing with
  Construction Permits indicator measures the building quality control index, evaluating the quality of building regulations, the strength of
  quality control and safety mechanisms, liability and insurance regimes, and professional certification requirements. The most recent round of
  data collection was completed in June 2017. See the methodology for more information

      What the indicators measure                            Case study assumptions

  Procedures to legally build a warehouse                   To make the data comparable across economies, several assumptions about the
  (number)                                                  construction company, the warehouse project and the utility connections are used.
●
      Submitting all relevant documents and obtaining
                                                            The construction company (BuildCo):
      all necessary clearances, licenses, permits and
      certificates                                          - Is a limited liability company (or its legal equivalent) and operates in the economy’s
●
      Submitting all required notifications and receiving   largest business city. For 11 economies the data are also collected for the second
      all necessary inspections                             largest business city.
                                                            - Is 100% domestically and privately owned; has five owners, none of whom is a
●
      Obtaining utility connections for water and
                                                            legal entity. Has a licensed architect and a licensed engineer, both registered with
      sewerage
                                                            the local association of architects or engineers. BuildCo is not assumed to have any
●
      Registering and selling the warehouse after its       other employees who are technical or licensed experts, such as geological or
      completion                                            topographical experts.
                                                            - Owns the land on which the warehouse will be built and will sell the warehouse
  Time required to complete each procedure
                                                            upon its completion.
  (calendar days)
●
      Does not include time spent gathering information     The warehouse:
●
      Each procedure starts on a separate day—              - Will be used for general storage activities, such as storage of books or stationery.
      though procedures that can be fully completed         - Will have two stories, both above ground, with a total constructed area of
      online are an exception to this rule                  approximately 1,300.6 square meters (14,000 square feet). Each floor will be 3
●
      Procedure is considered completed once final          meters (9 feet, 10 inches) high and will be located on a land plot of approximately
      document is received                                  929 square meters (10,000 square feet) that is 100% owned by BuildCo, and the
                                                            warehouse is valued at 50 times income per capita.
●
      No prior contact with officials
                                                            - Will have complete architectural and technical plans prepared by a licensed
  Cost required to complete each procedure (% of            architect. If preparation of the plans requires such steps as obtaining further
  income per capita)                                        documentation or getting prior approvals from external agencies, these are counted
                                                            as procedures.
●
      Official costs only, no bribes
                                                            - Will take 30 weeks to construct (excluding all delays due to administrative and
                                                            regulatory requirements).
  Building quality control index (0-15)
●
      Sum of the scores of six component indices:           The water and sewerage connections:
●
      Quality of building regulations (0-2)                 - Will be 150 meters (492 feet) from the existing water source and sewer tap. If there
●
      Quality control before construction (0-1)             is no water delivery infrastructure in the economy, a borehole will be dug. If there is
                                                            no sewerage infrastructure, a septic tank in the smallest size available will be
●
      Quality control during construction (0-3)
                                                            installed or built.
●
      Quality control after construction (0-3)              - Will have an average water use of 662 liters (175 gallons) a day and an average
●
      Liability and insurance regimes (0-2)                 wastewater flow of 568 liters (150 gallons) a day. Will have a peak water use of
●
      Professional certifications (0-4)                     1,325 liters (350 gallons) a day and a peak wastewater flow of 1,136 liters (300
                                                            gallons) a day.
                                                            - Will have a constant level of water demand and wastewater flow throughout the
                                                            year; will be 1 inch in diameter for the water connection and 4 inches in diameter for
                                                            the sewerage connection.

                                                                                                                                                       Page 9
Doing Business 2018      Norway

Dealing with Construction Permits - Norway

       Standardized Company

    Estimated value of warehouse                                              NOK 31,353,056.50

    City Covered                                                              Oslo

       Indicator                                                  Norway                     OECD high               Overall Best Performer
                                                                                             income

    Procedures (number)                                           11                         12.5                    7.00 (Denmark)

    Time (days)                                                   110.5                      154.6                   27.5 (Korea, Rep.)

    Cost (% of warehouse value)                                   0.6                        1.6                     0.10 (5 Economies)

    Building quality control index (0-15)                         10.0                       11.4                    15.00 (3 Economies)

  Figure – Dealing with Construction Permits in Norway and comparator economies – Ranking and DTF

                                                     DB 2018 Distance to Frontier (DTF)

                     0                                                                                    100

                                                                                       86.79: Denmark (Rank: 1)

                                                                                  80.39: United Kingdom (Rank: 14)

                                                                                 79.29: France (Rank: 18)

                                                                                78.83: Norway (Rank: 21)

                                                                              75.74: Finland (Rank: 37)

                                                                              75.14: Regional Average (OECD high income)

Note: The ranking of economies on the ease of dealing with construction permits is determined by sorting their distance to frontier scores for
dealing with construction permits. These scores are the simple average of the distance to frontier scores for each of the component
indicators.

  Figure – Dealing with Construction Permits in Norway – Procedure, Time and Cost

                                                  Time (days)           Cost (% of income per capita)
                                                                                                                                           0.35

               100
                                                                                                                                           0.3
                                                                                                                                                  Cost (% of income per capita)

               80                                                                                                                          0.25
 Time (days)

                                                                                                                                           0.2
               60

                                                                                                                                           0.15
               40
                                                                                                                                           0.1

               20
                                                                                                                                           0.05

                0                                                                                                                          0
                         1   2         *3      *4         *5             *6           *7            8           *9         10       11
                                                                Procedures (number)

* This symbol is shown beside procedure numbers that take place simultaneously with the previous procedure.

Note: Online procedures account for 0.5 days in the total time calculation. For economies that have a different procedure list for men and
women, the graph shows the time for women. For more information on methodology, see the Doing Business website
(http://doingbusiness.org/en/methodology ). For details on the procedures reflected here, see the summary below.

                                                                                                                                                                                  Page 10
Doing Business 2018                       Norway

Figure – Dealing with Construction Permits in Norway and comparator economies – Measure of Quality

              15                                                                                         14.0

                                                        11.0                                                                                           11.4
Index score                    10.0                                              10.0
              10                                                                                                                 9.0

                  5

                  0

                              Norway                  Denmark                  Finland                  France              United Kingdom      OECD high income

Details – Dealing with Construction Permits in Norway – Procedure, Time and Cost

  No.                 Procedures                                                                                    Time to Complete         Associated Costs

1                     Obtain a site-plan map from the Municipal Building Authorities                                0.5 days                 NOK 500
                      Agency : Municipal Building Authorities
                      A copy of the map that is 1:500 is required to be submitted with the building permit, and
                      is helpful for other pre-approvals. This can be done online, and a PDF can be
                      immediately obtained.

2                     Hold advance conference with the Municipal Building Authorities                               14 days                  no charge
                      Agency : Municipal Building Authorities
                      The advance conference is optional, but is often necessary in order to clarify the
                      prerequisites for the project, such as infrastructure, various laws and regulations, and
                      coordination and the approvals from other authorities. The time to complete this
                      procedure may vary. In Oslo, the normal waiting time is approximately 2 weeks. These
                      conferences are not binding for the final result of the approval process.

              3       Notify all surrounding neighbors of the future construction                                   1 day                    no charge
                      Agency : Neighbors
                      According to the Law on Construction dated June 27, 2008 (71 § 03.21), BuildCo must
                      inform all neighbors adjacent and facing the property about the intended warehouse and
                      where it will be built. The neighbors must either agree or disagree with this construction
                      within 2 weeks. However, if BuildCo has obtained directly in writing from all the
                      surrounding neighbors that they do not object to this construction, there is no waiting
                      period of 2 weeks. The form to be used is available on the website at
                      http://www.dibk.no/no/BYGGEREGLER/Byggesoknader/Byggesaksblanketter/

                      A copy of this notification must be included in the application for obtaining a building
                      permit.

              4       Obtain approval of the Health Authorities                                                     10 days                  no charge
                      Agency : Health and Safety Authority
                      Generally, the building permit is not issued if BuildCo has not obtained all necessary
                      approvals. In such cases, the Municipal Building Authority points out the missing
                      approvals and orders the applicant to submit them before further progress can be made.

              5       Obtain approval of the Environmental Authorities                                              10 days                  no charge
                      Agency : Environmental Authorities

              6       Obtain approval of the Road Authorities                                                       10 days                  no charge
                      Agency : Road Authorities

              7       Obtain approval from the Water and Sewage Authorities prior to                                10 days                  no charge
                      construction
                      Agency : Water and Sewage Authorities
                      Approval from the electricity company is not necessary. Only an authorization for water
                      and sewage is required.

8                     Obtain the frame permit (first step of the building permit)                                   84 days                  NOK 54,391
                      Agency : Municipal Building Authorities
                      The frame permit is the first step toward obtaining the building permit. It grants only the
                      right to build the project as designed; it does not authorize construction. The permit
                      ensures that the project meets all relevant regulations and is valid for 3 years. The
                      application for a frame permit must contain all relevant information on the project,
                      architectural drawings, and other requirements, according to the Planning and Building
                      Act and other relevant regulations. The legal maximum time to complete this procedure is
                      84 days.

                      In practice, obtaining the frame permit in Oslo currently takes about 3 months. The
                      reasons for the delayed executive work are:
                      • High building activity
                      • A corresponding increase in building applications
                      • A shortage of manpower in the building authorities

                                                                                                                                                                   Page 11
Doing Business 2018            Norway

 9    Obtain the start-up permit and present a control registration form                              21 days   NOK 33,686
      Agency : Municipal Building Authorities
      The start-up permit authorizes the start of construction activities. This permit contains the
      authorization (construction license) of the companies responsible for the coordination,
      design, construction, and monitoring of the project. BuildCo must in this respect either
      present its qualifications to the Municipal Building Authorities or present a license from
      the Central Register. BuildCo must also present all the consents/approvals obtained in
      prior procedures.

      BuildCo must ensure that a construction oversight plan is drawn up. Such a plan should
      be included in the application or be submitted while the application for a start-up permit
      is being reviewed at the latest. The construction may be monitored by means of
      documented self-inspections or by an independent enterprise. The developer, the
      applicant, the designer, and the contractor in charge must provide the information
      necessary to monitor the construction. The latter is normally executed through self-
      inspection. The legal maximum time to complete this stage is 84 days. Obtaining a start-
      up permit in Oslo currently takes 3 weeks on average.

10    Apply and obtain a certificate of completion from the Municipal Building                        10 days   no charge
      Authorities
      Agency : Municipal Building Authorities
      BuildCo must obtain an approval from the Municipality upon completion of the project.
      The supervising agency/applicant must send a completion report and a request for a
      certificate of completion form. This report must state that the building was built
      according to the approved plans and that there are no major works to be completed or that
      any reserves on any part of the building.
      If the final approval is not issued within the deadline, the silence-is-consent rule is
      applied and the building may be used.

      Chapter 21 - Article 21--10 - Building Act

11    Obtain water and sewage connection                                                              1 day     NOK 100,481
      Agency : Water and Sewage Authorities
      The Water and Sewage Authorities must be present when the connection is installed, and
      BuildCo must send a request form determining the time for the connection. Such a
      request must be received by the authorities at 10 a.m. (at the latest) the day before the
      connection is to take place. The receipt for the paid connection fee must be attached to
      the request form where the connection time and place are determined.

      For 2010, the City Parliament of Oslo has established that the taxes to be paid for water
      and sewage connection are NOK 41.24 per sq. m. for water and NOK 61.83 per sq. m. for
      sewage. The connection fee is a nonrecurring one and covers the costs of building and
      maintaining the public pipelines (both water and sewage pipelines -- that is, the water
      supply from purification plant to the consumer, and sewage transport from the consumer
      to waste water plant). A reduction is given when the land plot is larger than 3,000 square
      meters and utilization is less than 12.5% (not applicable in the Doing Business case).

Takes place simultaneously with previous procedure.

                                                                                                                              Page 12
Doing Business 2018         Norway

Details – Dealing with Construction Permits in Norway – Measure of Quality

                                                                                                      Answer               Score

Building quality control index (0-15)                                                                                      10.0

Quality of building regulations index (0-2)                                                                                1.0

  How accessible are building laws and regulations in your economy? (0-1)                             Available online;    1.0
                                                                                                      Free of charge.

  Which requirements for obtaining a building permit are clearly specified in the building            List of required     0.0
  regulations or on any accessible website, brochure or pamphlet? (0-1)                               documents; Fees
                                                                                                      to be paid.

Quality control before construction index (0-1)                                                                            1.0

  Which third-party entities are required by law to verify that the building plans are in             Licensed             1.0
  compliance with existing building regulations? (0-1)                                                engineer.

Quality control during construction index (0-3)                                                                            2.0

  What types of inspections (if any) are required by law to be carried out during construction?       Inspections by in-   1.0
  (0-2)                                                                                               house engineer.

  Do legally mandated inspections occur in practice during construction? (0-1)                        Mandatory            1.0
                                                                                                      inspections are
                                                                                                      always done in
                                                                                                      practice.

Quality control after construction index (0-3)                                                                             3.0

  Is there a final inspection required by law to verify that the building was built in accordance     Yes, in-house        2.0
  with the approved plans and regulations? (0-2)                                                      engineer submits
                                                                                                      report for final
                                                                                                      inspection.

  Do legally mandated final inspections occur in practice? (0-1)                                      Final inspection     1.0
                                                                                                      always occurs in
                                                                                                      practice.

Liability and insurance regimes index (0-2)                                                                                0.0

  Which parties (if any) are held liable by law for structural flaws or problems in the building      No party is held     0.0
  once it is in use (Latent Defect Liability or Decennial Liability)? (0-1)                           liable under the
                                                                                                      law.

  Which parties (if any) are required by law to obtain an insurance policy to cover possible          No party is          0.0
  structural flaws or problems in the building once it is in use (Latent Defect Liability Insurance   required by law
  or Decennial Insurance)? (0-1)                                                                      to obtain
                                                                                                      insurance .

Professional certifications index (0-4)                                                                                    3.0

  What are the qualification requirements for the professional responsible for verifying that the     Minimum number       1.0
  architectural plans or drawings are in compliance with existing building regulations? (0-2)         of years of
                                                                                                      experience;
                                                                                                      University degree
                                                                                                      in architecture or
                                                                                                      engineering.

  What are the qualification requirements for the professional who supervises the construction        Minimum number       2.0
  on the ground? (0-2)                                                                                of years of
                                                                                                      experience;
                                                                                                      University degree
                                                                                                      in engineering,
                                                                                                      construction or
                                                                                                      construction
                                                                                                      management;
                                                                                                      Passing a
                                                                                                      certification
                                                                                                      exam.

                                                                                                                                   Page 13
Doing Business 2018             Norway

        Getting Electricity

  This topic measures the procedures, time and cost required for a business to obtain a permanent electricity connection for a newly
  constructed warehouse. Additionally, the reliability of supply and transparency of tariffs index measures reliability of supply, transparency of
  tariffs and the price of electricity. The most recent round of data collection for the project was completed in June 2017. See the methodology
  for more information.

      What the indicators measure                            Case study assumptions

  Procedures to obtain an electricity connection            To make the data comparable across economies, several assumptions about the
  (number)                                                  construction company, the warehouse project and the utility connections are used.
●
      Submitting all relevant documents and obtaining
                                                            The construction company (BuildCo):
      all necessary clearances and permits
●
      Completing all required notifications and             - Is a limited liability company (or its legal equivalent) and operates in the economy’s
      receiving all necessary inspections                   largest business city. For 11 economies the data are also collected for the second
                                                            largest business city.
●
      Obtaining external installation works and possibly
                                                            - Is 100% domestically and privately owned; has five owners, none of whom is a
      purchasing material for these works
                                                            legal entity. Has a licensed architect and a licensed engineer, both registered with
●
      Concluding any necessary supply contract and          the local association of architects or engineers. BuildCo is not assumed to have any
      obtaining final supply                                other employees who are technical or licensed experts, such as geological or
                                                            topographical experts.
  Time required to complete each procedure
                                                            - Owns the land on which the warehouse will be built and will sell the warehouse
  (calendar days)
                                                            upon its completion.
●
      Is at least 1 calendar day
                                                            The warehouse:
●
      Each procedure starts on a separate day
●
      Does not include time spent gathering information     - Will be used for general storage activities, such as storage of books or stationery.
                                                            - Will have two stories, both above ground, with a total constructed area of
●
      Reflects the time spent in practice, with little
                                                            approximately 1,300.6 square meters (14,000 square feet). Each floor will be 3
      follow-up and no prior contact with officials
                                                            meters (9 feet, 10 inches) high and will be located on a land plot of approximately
  Cost required to complete each procedure (% of            929 square meters (10,000 square feet) that is 100% owned by BuildCo, and the
  income per capita)                                        warehouse is valued at 50 times income per capita.
                                                            - Will have complete architectural and technical plans prepared by a licensed
●
      Official costs only, no bribes                        architect. If preparation of the plans requires such steps as obtaining further
●
      Value added tax excluded                              documentation or getting prior approvals from external agencies, these are counted
                                                            as procedures.
  The reliability of supply and transparency of             - Will take 30 weeks to construct (excluding all delays due to administrative and
  tariffs index (0-8)                                       regulatory requirements).
●
      Duration and frequency of power outages (0–3)
                                                            The water and sewerage connections:
●
      Tools to monitor power outages (0–1)
                                                            - Will be 150 meters (492 feet) from the existing water source and sewer tap. If there
●
      Tools to restore power supply (0–1)
                                                            is no water delivery infrastructure in the economy, a borehole will be dug. If there is
●
      Regulatory monitoring of utilities’ performance       no sewerage infrastructure, a septic tank in the smallest size available will be
      (0–1)                                                 installed or built.
●
      Financial deterrents limiting outages (0–1)           - Will have an average water use of 662 liters (175 gallons) a day and an average
                                                            wastewater flow of 568 liters (150 gallons) a day. Will have a peak water use of
●
      Transparency and accessibility of tariffs (0–1)
                                                            1,325 liters (350 gallons) a day and a peak wastewater flow of 1,136 liters (300
  Price of electricity (cents per kilowatt-hour)*           gallons) a day.
                                                            - Will have a constant level of water demand and wastewater flow throughout the
●
      Price based on monthly bill for commercial
                                                            year; will be 1 inch in diameter for the water connection and 4 inches in diameter for
      warehouse in case study
                                                            the sewerage connection.
  *Note: Doing Business measures the price of
  electricity, but it is not included in the distance to
  frontier score nor the ranking on the ease of getting
  electricity.

                                                                                                                                                       Page 14
Doing Business 2018           Norway

Getting Electricity - Norway

  Standardized Company

 Price of electricity (US cents per kWh)                                  10.1

 Name of utility                                                          Hafslund

 City Covered                                                             Oslo

  Indicator                                                        Norway                  OECD high               Overall Best Performer
                                                                                           income

 Procedures (number)                                              4                       4.7                      2 (United Arab Emirates)

 Time (days)                                                      66                      79.1                     10 (United Arab Emirates)

 Cost (% of income per capita)                                    11.4                    63.0                     0.00 (Japan)

 Reliability of supply and transparency of tariff index (0-8)     7                       7.4                      8.00 (28 Economies)

 Figure – Getting Electricity in Norway and comparator economies – Ranking and DTF

                                                       DB 2018 Distance to Frontier (DTF)

        0                                                                                           100

                                                                                          93.29: United Kingdom (Rank: 9)

                                                                                       90.21: Denmark (Rank: 16)

                                                                                      88.97: Finland (Rank: 20)

                                                                                     87.46: Norway (Rank: 23)

                                                                                    85.89: France (Rank: 26)

                                                                                  84.44: Regional Average (OECD high income)

Note: The ranking of economies on the ease of getting electricity is determined by sorting their distance to frontier scores for getting
electricity. These scores are the simple average of the distance to frontier scores for each of the component indicators.

                                                                                                                                               Page 15
Doing Business 2018         Norway

  Figure – Getting Electricity in Norway – Procedure, Time and Cost

                                                   Time (days)        Cost (% of income per capita)
                                                                                                                                        12

                   60

                                                                                                                                              Cost (% of income per capita)
                                                                                                                                        10
                   50

                                                                                                                                        8
 Time (days)

                   40

                                                                                                                                        6
                   30

                                                                                                                                        4
                   20

                   10                                                                                                                   2

                   0                                                                                                                    0
                                 1                     2                                     3                         4
                                                                 Procedures (number)

* This symbol is shown beside procedure numbers that take place simultaneously with the previous procedure.

Note: Online procedures account for 0.5 days in the total time calculation. For economies that have a different procedure list for men and
women, the graph shows the time for women. For more information on methodology, see the Doing Business website
(http://doingbusiness.org/en/methodology ). For details on the procedures reflected here, see the summary below.

  Figure – Getting Electricity in Norway and comparator economies – Measure of Quality

                                                                 8                       8                 8
                   8                                                                                                             7.4
                          7                   7
                   7
                   6
     Index score

                   5
                   4
                   3
                   2
                   1
                   0

                        Norway           Denmark            Finland                    France         United Kingdom       OECD high income

                                                                                                                                                                              Page 16
Doing Business 2018           Norway

Details – Getting Electricity in Norway – Procedure, Time and Cost

No.    Procedures                                                                                      Time to Complete   Associated Costs

1     Sign supply contract with electricity distribution company                                       1 calendar day     NOK 0
      Agency : Hafslund
      Customer has a choice of either using Hafslund’s supply company or any other supply
      company

2     Submit application to utility (Hafslund) and await estimate                                      37 calendar days   NOK 0
      Agency : Hafslund
      Customer has to apply through a certified electrician. When the application is submitted
      to Hafslund the utility needs a signed contract with the electricity distribution company
      for the delivery of power and preferably a one-line diagram of the installation. No fee is
      charged. Once application is received, Hafslund contacts its various subcontractors to get
      an estimate. When the estimate is accepted Hafslund place an order with the
      subcontractor with the best offer. The subcontractor contacts the customer or the
      customer contacts the subcontractor to agree on the further progress.

3     Receive estimate and obtain external works from Hafslund’s subcontractor                         21 calendar days   NOK 65,000
      Agency : Hafslund

      External works includes trenching, laying of cable, connection to the installation,
      connection to a distribution transformer or distribution pillar. Cost of trenching calculated
      for road crossing of 10 meters.

4     Report completion of internal wiring and receive meter installation and                          7 calendar days    NOK 6,500
      electricity flow from Hafslund
      Agency : Hafslund

      Electrician reports online about the internal wiring and schedules with utility to install the
      meter. Electrician turns on supply once utility subcontractors reports that meter has been
      installed.

Takes place simultaneously with previous procedure.

                                                                                                                                             Page 17
Doing Business 2018           Norway

 Details – Getting Electricity in Norway – Measure of Quality

                                                                                                                           Answer

 Reliability of supply and transparency of tariff index (0-8)                                                              7

 Total duration and frequency of outages per customer a year (0-3)                                                         2

    System average interruption duration index (SAIDI)                                                                     0.8

    System average interruption frequency index (SAIFI)                                                                    1.1

    What is the minimum outage time (in minutes) that the utility considers for the calculation of SAIDI/SAIFI             3.0

 Mechanisms for monitoring outages (0-1)                                                                                   1

    Does the distribution utility use automated tools to monitor outages?                                                  Yes

 Mechanisms for restoring service (0-1)                                                                                    1

    Does the distribution utility use automated tools to restore service?                                                  Yes

 Regulatory monitoring (0-1)                                                                                               1

    Does a regulator—that is, an entity separate from the utility—monitor the utility’s performance on reliability of      Yes
    supply?

 Financial deterrents aimed at limiting outages (0-1)                                                                      1

    Does the utility either pay compensation to customers or face fines by the regulator (or both) if outages              Yes
    exceed a certain cap?

 Communication of tariffs and tariff changes (0-1)                                                                         1

    Are effective tariffs available online?                                                                                Yes

    Link to the website, if available online                                                                               https://www.hafslund.
                                                                                                                           no/fjernvarme/priser_
                                                                                                                           og_vilkaar/2069

    Are customers notified of a change in tariff ahead of the billing cycle?                                               Yes

Note:

If the duration and frequency of outages is 100 or less, the economy is eligible to score on the Reliability of supply and transparency of tariff
index.

If the duration and frequency of outages is not available, or is over 100, the economy is not eligible to score on the index.

If the minimum outage time considered for SAIDI/SAIFI is over 5 minutes, the economy is not eligible to score on the index.

                                                                                                                                                    Page 18
Doing Business 2018           Norway

        Registering Property

  This topic examines the steps, time and cost involved in registering property, assuming a standardized case of an entrepreneur who wants to
  purchase land and a building that is already registered and free of title dispute. In addition, the topic also measures the quality of the land
  administration system in each economy. The quality of land administration index has five dimensions: reliability of infrastructure, transparency
  of information, geographic coverage, land dispute resolution, and equal access to property rights. The most recent round of data collection for
  the project was completed in June 2017.See the methodology for more information.

      What the indicators measure                            Case study assumptions

  Procedures to legally transfer title on                  To make the data comparable across economies, several assumptions about the
  immovable property (number)                              parties to the transaction, the property and the procedures are used.
●
      Preregistration procedures (for example,
                                                           The parties (buyer and seller):
      checking for liens, notarizing sales agreement,
      paying property transfer taxes)                      - Are limited liability companies (or the legal equivalent).
●
      Registration procedures in the economy's largest     - Are located in the periurban area of the economy’s largest business city. For 11
      business citya.                                      economies the data are also collected for the second largest business city.
                                                           - Are 100% domestically and privately owned.
●
      Postregistration procedures (for example, filling
                                                           - Have 50 employees each, all of whom are nationals.
      title with municipality)
                                                           - Perform general commercial activities.
  Time required to complete each procedure
                                                           The property (fully owned by the seller):
  (calendar days)
                                                           - Has a value of 50 times income per capita, which equals the sale price.
●
      Does not include time spent gathering information
                                                           - Is fully owned by the seller.
●
      Each procedure starts on a separate day - though     - Has no mortgages attached and has been under the same ownership for the past
      procedures that can be fully completed online are    10 years.
      an exception to this rule
                                                           - Is registered in the land registry or cadastre, or both, and is free of title disputes.
●
      Procedure is considered completed once final         - Is located in a periurban commercial zone, and no rezoning is required.
      document is received                                 - Consists of land and a building. The land area is 557.4 square meters (6,000
●
      No prior contact with officials                      square feet). A two-story warehouse of 929 square meters (10,000 square feet) is
                                                           located on the land. The warehouse is 10 years old, is in good condition, has no
  Cost required to complete each procedure (% of           heating system and complies with all safety standards, building codes and legal
  property value)                                          requirements. The property, consisting of land and building, will be transferred in its
●
      Official costs only (such as administrative fees,    entirety.
      duties and taxes).                                   - Will not be subject to renovations or additional construction following the purchase.
                                                           - Has no trees, natural water sources, natural reserves or historical monuments of
●
      Value Added Tax, Capital Gains Tax and illicit
                                                           any kind.
      payments are excluded
                                                           - Will not be used for special purposes, and no special permits, such as for
  Quality of land administration index (0-30)              residential use, industrial plants, waste storage or certain types of agricultural
                                                           activities, are required.
●
      Reliability of infrastructure index (0-8)            - Has no occupants, and no other party holds a legal interest in it.
●
      Transparency of information index (0–6)
●
      Geographic coverage index (0–8)
●
      Land dispute resolution index (0–8)
●
      Equal access to property rights index (-2–0)

                                                                                                                                                       Page 19
Doing Business 2018      Norway

Registering Property - Norway

       Standardized Company

    Property value                                                                NOK 31,353,056.50

    City Covered                                                                  Oslo

       Indicator                                                      Norway                        OECD high               Overall Best Performer
                                                                                                    income

    Procedures (number)                                               1                            4.6                      1.00 (4 Economies)

    Time (days)                                                       3                            22.3                     1.00 (3 Economies)

    Cost (% of property value)                                        2.5                          4.2                      0.00 (5 Economies)

    Quality of the land administration index (0-30)                   20.0                         22.7                     29.00 (Singapore)

  Figure – Registering Property in Norway and comparator economies – Ranking and DTF

                                                         DB 2018 Distance to Frontier (DTF)

                     0                                                                                        100

                                                                                                89.88: Denmark (Rank: 11)

                                                                                              87.26: Norway (Rank: 14)

                                                                                         80.73: Finland (Rank: 27)

                                                                                   76.81: Regional Average (OECD high income)

                                                                                  74.51: United Kingdom (Rank: 47)

                                                                60.69: France (Rank: 100)

Note: The ranking of economies on the ease of registering property is determined by sorting their distance to frontier scores for registering
property. These scores are the simple average of the distance to frontier scores for each of the component indicators.

  Figure – Registering Property in Norway – Procedure, Time and Cost

                                                      Time (days)           Cost (% of income per capita)
                3                                                                                                                                3

               2.5                                                                                                                               2.5   Cost (% of income per capita)

                2                                                                                                                                2
 Time (days)

               1.5                                                                                                                               1.5

                1                                                                                                                                1

               0.5                                                                                                                               0.5

                0                                                                                                                                0
                                                                              1
                                                                    Procedures (number)

* This symbol is shown beside procedure numbers that take place simultaneously with the previous procedure.

Note: Online procedures account for 0.5 days in the total time calculation. For economies that have a different procedure list for men and
women, the graph shows the time for women. For more information on methodology, see the Doing Business website
(http://doingbusiness.org/en/methodology ). For details on the procedures reflected here, see the summary below.

                                                                                                                                                                                       Page 20
Doing Business 2018                     Norway

Figure – Registering Property in Norway and comparator economies – Measure of Quality

              30
                                                                              26.5
                                                     24.5                                              24.0                   24.5
              25                                                                                                                                    22.7
Index score                 20.0
              20

              15

              10

              5

              0

                           Norway                  Denmark                  Finland                  France               United Kingdom      OECD high income

Details – Registering Property in Norway – Procedure, Time and Cost

  No.              Procedures                                                                                    Time to Complete          Associated Costs

1                  Submit an application for registration of transfer at the Land Registry                       3 days                    NOK 525 (registration
                   Agency : Land Registry and Cadastre                                                                                     fee) + 2.5% of the
                   There is no need for a lawyer or notary to be involved in the process. The application is a                             value of the property
                   standard form that may be printed out for free from the Mapping Authority's website. The                                (stamp duty)
                   fee to receive the title is NOK 525, and the stamp duty tax is 2.5% of the value of the
                   property. If the transaction is financed by debt, the buyer has to pay an additional fee to
                   register the mortgage bond. This fee is the same as for registering a title, NOK 525. Upon
                   refinancing an existing mortgage loan within the same loan frame, the fee to register a
                   new mortgage deed or transporting the old mortgage deed to the new one is NOK 200.
                   The registration fee and stamp duty are invoiced to the submitter after the registration,
                   and can be paid as normal through a bank, including internet banking.

                   The registration authority along with the cadastral authority is centralized within the
                   Norwegian Mapping Authority. The Norwegian Mapping Authority and the Land
                   Registry and Cadastre is located in Hønefoss, in Buskerud county, north of Oslo. All
                   documents for registry may be sent to the same address: Kartverket Tinglysing, 3507
                   Hønefoss.

                   Work on permitting electronic submission is underway. However, for most legal and
                   natural persons, documents must still be sent by post. The Mapping Authority requires
                   that professionals send at least one original and one confirmed copy (ideally two
                   originals) of documents to be registered, of which one is kept by the Mapping Authority.
                   There are certain pilot projects allowing banks a limited opportunity to submit certain
                   simple mortgage documents electronically. Title transfer is still by paper for all
                   applicants.

                   The current process is as follows: On day one, the required documents are received and
                   entered into the journal. On day two, the relevant data is entered into the electronic
                   database that constitutes the Land Registry proper. Thereafter, a second staff member
                   verifies that the data entered is correct. Finally, the original title deed and any other
                   submitted and registered documents are stamped by the Land Registry and returned to the
                   submitter. An invoice for registration fees and stamp duty follows shortly.

 Takes place simultaneously with previous procedure.

                                                                                                                                                                   Page 21
Doing Business 2018          Norway

Details – Registering Property in Norway – Measure of Quality

                                                                                                    Answer              Score

Quality of the land administration index (0-30)                                                                         20.0

Reliability of infrastructure index (0-8)                                                                               7.0

  What is the institution in charge of immovable property registration?                             The Norwegian
                                                                                                    Mapping
                                                                                                    Authority
                                                                                                    (Kartverket)

  In what format are the majority of title or deed records kept in the largest business city—in a   Computer/Scann      1.0
  paper format or in a computerized format (scanned or fully digital)?                              ed

  Is there an electronic database for checking for encumbrances (liens, mortgages, restrictions     Yes                 1.0
  and the like)?

  Institution in charge of the plans showing legal boundaries in the largest business city:         The Norwegian
                                                                                                    Mapping
                                                                                                    Authority
                                                                                                    (Kartverket)

  In what format are the majority of maps of land plots kept in the largest business city—in a      Computer/Fully      2.0
  paper format or in a computerized format (scanned or fully digital)?                              digital

  Is there an electronic database for recording boundaries, checking plans and providing            Yes                 1.0
  cadastral information (geographic information system)?

  Is the information recorded by the immovable property registration agency and the cadastral       Different           1.0
  or mapping agency kept in a single database, in different but linked databases or in separate     databases but
  databases?                                                                                        linked

  Do the immovable property registration agency and cadastral or mapping agency use the             Yes                 1.0
  same identification number for properties?

Transparency of information index (0–6)                                                                                 3.5

  Who is able to obtain information on land ownership at the agency in charge of immovable          Freely accessible   1.0
  property registration in the largest business city?                                               by anyone

  Is the list of documents that are required to complete any type of property transaction made      Yes, online         0.5
  publicly available–and if so, how?

  Link for online access:                                                                           http://www.kartve
                                                                                                    rket.no/eiendom

  Is the applicable fee schedule for any property transaction at the agency in charge of            Yes, online         0.5
  immovable property registration in the largest business city made publicly available–and if
  so, how?

  Link for online access:                                                                           http://www.kartve
                                                                                                    rket.no/eiendom/
                                                                                                    priser-og-gebyr/

  Does the agency in charge of immovable property registration commit to delivering a legally       No                  0.0
  binding document that proves property ownership within a specific time frame–and if so, how
  does it communicate the service standard?

  Link for online access:

  Is there a specific and separate mechanism for filing complaints about a problem that             No                  0.0
  occurred at the agency in charge of immovable property registration?

  Contact information:

  Are there publicly available official statistics tracking the number of transactions at the       Yes                 0.5
  immovable property registration agency?

  Number of property transfers in the largest business city in 2016:                                16387.0

  Who is able to consult maps of land plots in the largest business city?                           Freely accessible   0.5
                                                                                                    by anyone

  Is the applicable fee schedule for accessing maps of land plots made publicly available—          No cost             0.5
  and if so, how?

                                                                                                                                Page 22
Doing Business 2018           Norway

  Link for online access:

  Does the cadastral or mapping agency commit to delivering an updated map within a                No                 0.0
  specific time frame—and if so, how does it communicate the service standard?

  Link for online access:

  Is there a specific and separate mechanism for filing complaints about a problem that            No                 0.0
  occurred at the cadastral or mapping agency?

  Contact information:

Geographic coverage index (0–8)                                                                                       4.0

  Are all privately held land plots in the economy formally registered at the immovable property   No                 0.0
  registry?

  Are all privately held land plots in the largest business city formally registered at the        Yes                2.0
  immovable property registry?

  Are all privately held land plots in the economy mapped?                                         No                 0.0

  Are all privately held land plots in the largest business city mapped?                           Yes                2.0

Land dispute resolution index (0–8)                                                                                   5.5

  Does the law require that all property sale transactions be registered at the immovable          No                 0.0
  property registry to make them opposable to third parties?

  Is the system of immovable property registration subject to a state or private guarantee?        Yes                0.5

  Is there a specific compensation mechanism to cover for losses incurred by parties who           No                 0.0
  engaged in good faith in a property transaction based on erroneous information certified by
  the immovable property registry?

  Does the legal system require a control of legality of the documents necessary for a property    Yes                0.5
  transaction (e.g., checking the compliance of contracts with requirements of the law)?

  If yes, who is responsible for checking the legality of the documents?                           Registrar.

  Does the legal system require verification of the identity of the parties to a property          Yes                0.5
  transaction?

  If yes, who is responsible for verifying the identity of the parties?                            Registrar.

  Is there a national database to verify the accuracy of identity documents?                       Yes                1.0

  For a standard land dispute between two local businesses over tenure rights of a property        Oslo City Court
  worth 50 times gross national income (GNI) per capita and located in the largest business
  city, what court would be in charge of the case in the first instance?

  How long does it take on average to obtain a decision from the first-instance court for such a   Less than a year   3.0
  case (without appeal)?

  Are there any statistics on the number of land disputes in the first instance?                   No                 0.0

  Number of land disputes in the largest business city in 2016:

Equal access to property rights index (-2–0)                                                                          0.0

  Do unmarried men and unmarried women have equal ownership rights to property?                    Yes                0.0

  Do married men and married women have equal ownership rights to property?                        Yes                0.0

                                                                                                                            Page 23
Doing Business 2018         Norway

        Getting Credit

  This topic explores two sets of issues—the strength of credit reporting systems and the effectiveness of collateral and bankruptcy laws in
  facilitating lending. The most recent round of data collection for the project was completed in June 2017. See the methodology for more
  information.

      What the indicators measure                            Case study assumptions

  Strength of legal rights index (0–12)                     Doing Business assesses the sharing of credit information and the legal rights of
                                                            borrowers and lenders with respect to secured transactions through 2 sets of
●
      Rights of borrowers and lenders through
      collateral laws (0-10)                                indicators. The depth of credit information index measures rules and practices
                                                            affecting the coverage, scope and accessibility of credit information available
●
      Protection of secured creditors’ rights through
                                                            through a credit registry or a credit bureau. The strength of legal rights index
      bankruptcy laws (0-2)
                                                            measures the degree to which collateral and bankruptcy laws protect the rights of
                                                            borrowers and lenders and thus facilitate lending. For each economy it is ?rst
  Depth of credit information index (0–8)
                                                            determined whether a unitary secured transactions system exists. Then two case
●
      Scope and accessibility of credit information         scenarios, case A and case B, are used to determine how a nonpossessory security
      distributed by credit bureaus and credit registries   interest is created, publicized and enforced according to the law. Special emphasis
      (0-8)                                                 is given to how the collateral registry operates (if registration of security interests is
                                                            possible). The case scenarios involve a secured borrower, company ABC, and a
  Credit bureau coverage (% of adults)
                                                            secured lender, BizBank.
●
      Number of individuals and firms listed in largest
      credit bureau as a percentage of adult population     In some economies the legal framework for secured transactions will allow only case
                                                            A or case B (not both) to apply. Both cases examine the same set of legal provisions
  Credit registry coverage (% of adults)                    relating to the use of movable collateral.
●
      Number of individuals and firms listed in credit
      registry as a percentage of adult population          Several assumptions about the secured borrower (ABC) and lender (BizBank)
                                                            are used:

                                                            - ABC is a domestic limited liability company (or its legal equivalent).
                                                            - ABC has up to 50 employees.
                                                            - ABC has its headquarters and only base of operations in the economy’s largest
                                                            business city. For 11 economies the data are also collected for the second largest
                                                            business city.
                                                            - Both ABC and BizBank are 100% domestically owned.

                                                            The case scenarios also involve assumptions. In case A, as collateral for the loan,
                                                            ABC grants BizBank a nonpossessory security interest in one category of movable
                                                            assets, for example, its machinery or its inventory. ABC wants to keep both
                                                            possession and ownership of the collateral. In economies where the law does not
                                                            allow nonpossessory security interests in movable property, ABC and BizBank use a
                                                            ?duciary transfer-of-title arrangement (or a similar substitute for nonpossessory
                                                            security interests).

                                                            In case B, ABC grants BizBank a business charge, enterprise charge, ?oating
                                                            charge or any charge that gives BizBank a security interest over ABC’s combined
                                                            movable assets (or as much of ABC’s movable assets as possible). ABC keeps
                                                            ownership and possession of the assets.

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