Banks, quarterly profit and loss accounts . NOK million

Financial corporations, quarterly profit and loss accounts

1 Banks, quarterly profit and loss accounts¹. NOK million
	2010:3	2010:2	2010:1	2009:4	2009:3


Interest income and similar income	91 283	58 376	28 435	134 112	104 977
Interest etc. income on loans and demands on customers and credit institutions	78 765	50 332	24 395	118 393	93 745
Interest and similar income on treasury bills, government bonds and other interest-bearing capital securities	12 301	7 936	3 848	14 376	10 938
Other interest income	217	108	192	1 343	294

Interest expenses and similar expenses	54 215	34 724	16 635	84 924	68 017
Interest and similar expenses on deposits from and debt to customers and credit institutions	37 958	24 108	11 452	57 000	46 256
Interest and similar expenses on issued capital	10 798	6 796	3 261	19 402	16 022
Other interest expenses	5 458	3 820	1 922	8 521	5 738

Net interest income	37 068	23 652	11 800	49 188	36 960

Net commission income	8 514	5 716	2 666	10 483	7 691
Commission income	11 681	7 854	3 684	14 877	11 007
Commission costs	3 167	2 138	1 018	4 394	3 316

Net changes in value and gain/loss on securities and currency	3 356	905	1 416	10 432	8 861
Net changes in value and gain/loss on treasury bills, government bonds and other interest-bearing sercurities	1 069	516	485	3 374	2 918
Net changes in value and gain/loss on shares and other securities with variable return	283	-2 131	82	2 732	2 052
Net changes in value and gain/loss on currency	3 792	-1 627	356	7 058	7 205
Net changes in value and gain/loss on other financial assets and liabilities	-1 787	4 148	492	-2 732	-3 314

Other operating income	8 559	8 553	1 311	6 125	4 321
Income from shares and other securities with variable return	2 030	1 887	155	647	381
Income fromownership interest in associated companies and group companies	671	658	148	2 122	1 616
Other operating income (incl. gain on sale on real property)	5 859	6 009	1 009	3 356	2 324

Total income	114 879	75 688	34 846	165 546	129 167

Administration expenses	20 856	13 326	6 250	28 409	21 088
Wages and other personnel expenses	13 108	8 124	3 706	18 733	13 894
Other administration costs	7 748	5 202	2 544	9 676	7 195

Other operating costs	5 889	3 890	1 733	9 717	5 832
Depreciation and write-down	1 984	1 263	425	3 722	1 525
Other operating costs (incl. losses on sale on real property)	3 905	2 627	1 308	5 995	4 308

Total costs	84 126	54 077	25 637	127 444	98 254

Pre-loss profit	30 753	21 611	9 210	38 102	30 913

Losses on loans and guarantees etc.	2 983	2 253	934	9 063	7 446
Loss on loans	3 025	2 257	951	8 986	7 342
Loss on guarantees (incl. credit losses on securities)	-42	-4	-18	76	104

Pre-tax profit	27 771	19 358	8 276	29 039	23 468

Other profit components	-10	-1	3	12	.
Taxes on ordinary profit	6 795	4 683	2 066	8 416	6 695

Profit and loss at end of period	20 965	14 675	6 213	20 635	16 773

¹Due to a merge between a finance company and a bank, the profit and loss account for the third quarter of 2010 is not comparable with earlier periods.