Banks, quarterly profit and loss accounts . NOK million

Financial corporations, quarterly profit and loss accounts

1 Banks, quarterly profit and loss accounts¹. NOK million
	2011:1	2010:4	2010:3	2010:2	2010:1


Interest income and similar income	36 737	144 552	91 330	58 376	28 436
Interest etc. income on loans and demands on customers and credit institutions	32 361	127 443	78 810	50 332	24 396
Interest and similar income on treasury bills, government bonds and other interest-bearing capital securities	4 332	16 762	12 301	7 935	3 848
Other interest income	44	347	219	108	192

Interest expenses and similar expenses	24 062	94 608	54 222	34 724	16 635
Interest and similar expenses on deposits from and debt to customers and credit institutions	13 585	51 496	37 963	24 108	11 452
Interest and similar expenses on issued capital	3 954	14 919	10 798	6 796	3 261
Other interest expenses	6 522	28 193	5 461	3 820	1 922

Net interest income	12 676	49 944	37 107	23 652	11 801

Net commission income	2 934	11 741	8 580	5 716	2 666
Commission income	3 953	16 056	11 808	7 854	3 684
Commission costs	1 019	4 315	3 229	2 138	1 018

Net changes in value and gain/loss on securities and currency	444	4 484	3 319	906	1 416
Net changes in value and gain/loss on treasury bills, government bonds and other interest-bearing sercurities	-361	-22	1 069	516	485
Net changes in value and gain/loss on shares and other securities with variable return	564	971	283	-2 130	82
Net changes in value and gain/loss on currency	559	3 633	3 754	-1 627	356
Net changes in value and gain/loss on other financial assets and liabilities	-317	-98	-1 787	4 148	492

Other operating income	1 250	11 939	8 562	8 552	1 311
Income from shares and other securities with variable return	162	3 732	2 028	1 872	155
Income fromownership interest in associated companies and group companies	119	1 095	671	667	148
Other operating income (incl. gain on sale on real property)	969	7 112	5 863	6 012	1 009

Total income	42 384	177 031	115 019	75 688	34 847

Administration expenses	7 812	28 263	20 861	13 326	6 250
Wages and other personnel expenses	4 861	17 587	13 105	8 124	3 706
Other administration costs	2 950	10 676	7 757	5 202	2 545

Other operating costs	1 948	8 196	5 933	3 890	1 733
Depreciation and write-down	519	2 581	1 988	1 262	425
Other operating costs (incl. losses on sale on real property)	1 429	5 615	3 945	2 627	1 308

Total costs	34 840	135 382	84 245	54 077	25 637

Pre-loss profit	7 544	41 648	30 774	21 611	9 210

Losses on loans and guarantees etc.	1 013	3 818	2 961	2 253	934
Loss on loans	996	3 980	3 004	2 257	951
Loss on guarantees (incl. credit losses on securities)	16	-162	-42	-4	-18

Pre-tax profit	6 531	37 830	27 812	19 358	8 277

Other profit components	1	7	-10	-1	3
Taxes on ordinary profit	1 673	9 081	6 819	4 683	2 066

Profit and loss at end of period	4 859	28 756	20 983	14 674	6 214

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.