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
	2010:4	2010:3	2010:2	2010:1	2009:4


Interest income and similar income	7 998	5 893	5 306	2 609	11 198
Interest etc. income on loans and demands on customers and credit institutions	7 998	5 892	5 306	2 609	11 197
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	2 410	1 759	1 614	765	3 763
Interest and similar expenses on deposits from and debt to customers and credit institutions	2 286	1 700	1 523	729	3 655
Interest and similar expenses on issued capital	31	26	31	15	83
Other interest expenses	93	33	60	21	26

Net interest income	5 588	4 134	3 692	1 843	7 435

Net commission income	1 286	860	549	242	1 331
Commission income	2 283	1 581	1 018	472	2 203
Commission costs	997	721	469	230	872

Net changes in value and gain/loss on securities and currency	8	-7	-25	-16	-30
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	8	-	-20	-13	-48
Net changes in value and gain/loss on other financial assets and liabilities	-	-6	-4	-3	18

Other operating income	1 286	1 057	743	366	1 149
Income from shares and other securities with variable return	24	134	126	59	82
Income fromownership interest in associated companies and group companies	26	.	.	.	.
Other operating income (incl. gain on sale on real property)	1 236	923	617	308	1 067

Total income	11 576	8 524	7 043	3 431	14 521

Administration expenses	2 096	1 522	1 267	653	2 392
Wages and other personnel expenses	1 274	976	817	433	1 572
Other administration costs	821	546	450	220	820

Other operating costs	2 659	1 918	1 469	689	3 068
Depreciation and write-down	385	275	393	186	768
Other operating costs (incl. losses on sale on real property)	2 274	1 643	1 076	503	2 300

Total costs	8 162	5 920	4 820	2 337	10 095

Pre-loss profit	3 414	2 604	2 223	1 094	4 426

Losses on loans and guarantees etc.	821	621	548	297	1 568
Loss on loans	817	616	545	295	1 571
Loss on guarantees (incl. credit losses on securities)	3	5	2	2	-3

Pre-tax profit	2 593	1 984	1 676	797	2 858

Other profit components	.	.	.	.	.
Taxes on ordinary profit	647	497	419	190	736

Profit and loss at end of period	1 947	1 487	1 257	607	2 122

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.