Banks. Key indicators. Million kroner

Financial institutions. 4. quarter 2008
4	Banks. Key indicators. Million kroner

	31.12.2007	31. 03.2008*	30. 06.2008*	30. 09.2008*	31. 12.2008*



Developement of volume
Total assets	3 120 776	3 196 871	3 339 682	3 435 609	3 819 033

Capital assets
Investments in subsidiaries	23 861	27 216	28 907	29 153	33 746
Shares and primary capital certificates	4 583	4 811	5 068	5 480	5 470
Shares in securities fund	99	113	128	177	184
Bonds	3 297	3 176	3 156	93 722	111 094

Short-term investments
Shares and primary capital securities	13 133	15 598	15 984	16 061	12 877
Shares in securities fund	3 480	3 503	4 279	3 869	5 203
Bonds and certificates	213 755	210 131	231 725	150 570	222 760

Loans utilizied	2 396 891	2 434 617	2 498 683	2 546 848	2 593 231
Spesifications:
Loans utilizied to the public	2 077 265	2 125 752	2 169 002	2 150 157	2 170 189
Loans with mortgage on dwelling to the public	1 005 563	998 439	978 860	914 585	882 199
Loans utilizied in foreign currency	242 777	248 997	268 091	303 081	404 628
Specified provisions on loans	-4 807	-4 698	-5 623	-5 903	-5 120

Unspecified provisions on loans	-3 035	-3 001	-3 037	-3 248	-5 149

Deposits from the public	1 252 484	1 232 016	1 277 692	1 268 336	1 313 350

Loans: Bonds and certificates	667 838	697 779	717 146	732 806	830 860

Technical provisions in insurance	.	.	.	.	.

Equity	145 818	158 100	159 222	159 283	160 224
Share- and primary certificate capital	34 334	35 032	35 505	35 781	35 706

Profit and loss account
Net financial income¹	42 707	12 250	24 432	37 474	51 823
Net gains on investments²	4 413	-1 635	668	890	309
Premium income	.	.	.	.	.
Claims incurred	.	.	.	.	.
Net change in technical provisions	.	.	.	.	.
Net losses on loans and guaranties	91	356	796	1 778	6 444
Personnel costs	17 886	4 703	9 404	14 345	19 361
Proft/loss before tax	31 020	4 844	13 673	20 234	22 612

Other key indicators
Number of enterprises	152	149	149	149	151
Claims on foreign debotors	477 058	496 224	595 061	631 517	839 366
Of which: International reserves	..	..	..	..	..
Debts to foreign creditors	1 047 376	1 114 322	1 208 095	1 290 101	1 545 667
Guaranties	92 933	89 992	92 112	99 356	113 329

Per cent
Utilizied loan to the public in percent of totale sharecapital	66.6	66.5	64.9	62.6	56.8
Foreign own share capital i percent of total sharecapital	18.7	18.3	18.5	18.1	17.7
Net financial income in per cent of total assets	1.4	0.4	0.7	1.1	1.4
Profit/loss before tax i per cent of total assets	1.0	0.2	0.4	0.6	0.6

¹From 1996: "Share dividend" are separeted from "Other interest income".
²From 1996: "Profit from sale of capital assets" are placed with "other operating income" and "loss from sale of capital assets" are placed with "other operating costs".