Finance companies, quarterly profit and loss accounts . NOK million

Financial corporations, quarterly profit and loss accounts

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


Interest income and similar income	5 895	5 306	2 608	11 198	8 581
Interest etc. income on loans and demands on customers and credit institutions	5 894	5 305	2 608	11 197	8 580
Interest and similar income on treasury bills, government bonds and other interest-bearing capital securities	.	.	.	.	.
Other interest income	-	-	-	1	1

Interest expenses and similar expenses	1 761	1 614	765	3 763	3 038
Interest and similar expenses on deposits from and debt to customers and credit institutions	1 707	1 524	729	3 655	2 958
Interest and similar expenses on issued capital	26	31	15	83	68
Other interest expenses	28	59	21	26	12

Net interest income	4 134	3 691	1 843	7 435	5 543

Net commission income	860	549	242	1 331	980
Commission income	1 581	1 018	472	2 203	1 611
Commission costs	721	469	230	872	631

Net changes in value and gain/loss on securities and currency	-7	-25	-16	-30	-7
Net changes in value and gain/loss on treasury bills, government bonds and other interest-bearing sercurities	.	.	.	.	.
Net changes in value and gain/loss on shares and other securities with variable return	-	-	.	.	.
Net changes in value and gain/loss on currency	-	-20	-13	-48	-21
Net changes in value and gain/loss on other financial assets and liabilities	-6	-4	-3	18	14

Other operating income	1 057	743	366	1 149	815
Income from shares and other securities with variable return	134	126	59	82	19
Income fromownership interest in associated companies and group companies	.	.	.	.	.
Other operating income (incl. gain on sale on real property)	923	617	308	1 067	796

Total income	8 526	7 042	3 431	14 521	10 999

Administration expenses	1 522	1 267	653	2 392	1 788
Wages and other personnel expenses	976	817	433	1 572	1 186
Other administration costs	546	450	220	820	602

Other operating costs	1 918	1 469	689	3 068	2 217
Depreciation and write-down	275	393	186	768	576
Other operating costs (incl. losses on sale on real property)	1 643	1 076	503	2 300	1 641

Total costs	5 922	4 819	2 336	10 095	7 674

Pre-loss profit	2 604	2 223	1 094	4 426	3 326

Losses on loans and guarantees etc.	621	548	297	1 568	1 182
Loss on loans	616	545	295	1 571	1 186
Loss on guarantees (incl. credit losses on securities)	5	2	2	-3	-4

Pre-tax profit	1 984	1 675	797	2 858	2 143

Other profit components	.	.	.	.	.
Taxes on ordinary profit	497	419	190	736	529

Profit and loss at end of period	1 487	1 257	607	2 122	1 615

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.