Banks, quarterly profit and loss accounts . NOK million

Financial corporations, quarterly profit and loss accounts

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


Interest income and similar income	144 549	91 310	58 376	28 436	134 108
Interest etc. income on loans and demands on customers and credit institutions	127 441	78 790	50 332	24 396	118 389
Interest and similar income on treasury bills, government bonds and other interest-bearing capital securities	16 764	12 301	7 935	3 848	14 376
Other interest income	344	219	108	192	1 343

Interest expenses and similar expenses	94 605	54 222	34 724	16 635	84 919
Interest and similar expenses on deposits from and debt to customers and credit institutions	51 496	37 963	24 108	11 452	56 996
Interest and similar expenses on issued capital	14 921	10 798	6 796	3 261	19 402
Other interest expenses	28 189	5 461	3 820	1 922	8 521

Net interest income	49 944	37 088	23 652	11 801	49 189

Net commission income	11 741	8 580	5 716	2 666	10 483
Commission income	16 056	11 808	7 854	3 684	14 877
Commission costs	4 315	3 229	2 138	1 018	4 394

Net changes in value and gain/loss on securities and currency	4 486	3 319	906	1 416	10 432
Net changes in value and gain/loss on treasury bills, government bonds and other interest-bearing sercurities	-21	1 069	516	485	3 374
Net changes in value and gain/loss on shares and other securities with variable return	972	283	-2 130	82	2 732
Net changes in value and gain/loss on currency	3 633	3 754	-1 627	356	7 058
Net changes in value and gain/loss on other financial assets and liabilities	-97	-1 787	4 148	492	-2 732

Other operating income	11 939	8 562	8 552	1 311	6 125
Income from shares and other securities with variable return	3 732	2 028	1 872	155	647
Income fromownership interest in associated companies and group companies	1 094	671	667	148	2 122
Other operating income (incl. gain on sale on real property)	7 113	5 863	6 012	1 009	3 356

Total income	177 031	115 000	75 688	34 847	165 542

Administration expenses	28 258	20 861	13 326	6 250	28 409
Wages and other personnel expenses	17 584	13 105	8 124	3 706	18 733
Other administration costs	10 674	7 757	5 202	2 545	9 676

Other operating costs	8 188	5 933	3 890	1 733	9 718
Depreciation and write-down	2 584	1 988	1 262	425	3 722
Other operating costs (incl. losses on sale on real property)	5 604	3 945	2 627	1 308	5 996

Total costs	135 366	84 245	54 077	25 637	127 440

Pre-loss profit	41 665	30 754	21 611	9 210	38 102

Losses on loans and guarantees etc.	3 776	2 961	2 253	934	9 063
Loss on loans	3 938	3 004	2 257	951	8 986
Loss on guarantees (incl. credit losses on securities)	-162	-42	-4	-18	76

Pre-tax profit	37 889	27 793	19 358	8 277	29 039

Other profit components	7	-10	-1	3	12
Taxes on ordinary profit	9 076	6 819	4 683	2 066	8 449

Profit and loss at end of period	28 821	20 964	14 674	6 214	20 602

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.