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
	2011:1	2010:4	2010:3	2010:2	2010:1


Interest income and similar income	2 023	7 993	5 893	5 306	2 609
Interest etc. income on loans and demands on customers and credit institutions	2 022	7 993	5 892	5 306	2 609
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	637	2 410	1 759	1 614	765
Interest and similar expenses on deposits from and debt to customers and credit institutions	605	2 286	1 700	1 523	729
Interest and similar expenses on issued capital	5	31	26	31	15
Other interest expenses	27	93	33	60	21

Net interest income	1 386	5 583	4 134	3 692	1 843

Net commission income	243	1 286	860	549	242
Commission income	543	2 283	1 581	1 018	472
Commission costs	299	997	721	469	230

Net changes in value and gain/loss on securities and currency	5	9	-7	-25	-16
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	4	8	-	-20	-13
Net changes in value and gain/loss on other financial assets and liabilities	1	1	-6	-4	-3

Other operating income	308	1 284	1 057	743	366
Income from shares and other securities with variable return	5	24	134	126	59
Income fromownership interest in associated companies and group companies	.	26	.	.	.
Other operating income (incl. gain on sale on real property)	303	1 234	923	617	308

Total income	2 879	11 570	8 524	7 043	3 431

Administration expenses	554	2 087	1 522	1 267	653
Wages and other personnel expenses	347	1 267	976	817	433
Other administration costs	208	820	546	450	220

Other operating costs	608	2 654	1 918	1 469	689
Depreciation and write-down	121	384	275	393	186
Other operating costs (incl. losses on sale on real property)	487	2 270	1 643	1 076	503

Total costs	2 099	8 148	5 920	4 820	2 337

Pre-loss profit	781	3 421	2 604	2 223	1 094

Losses on loans and guarantees etc.	177	817	621	548	297
Loss on loans	185	813	616	545	295
Loss on guarantees (incl. credit losses on securities)	-7	3	5	2	2

Pre-tax profit	603	2 605	1 984	1 676	797

Other profit components	.	.	.	.	.
Taxes on ordinary profit	157	647	497	419	190

Profit and loss at end of period	446	1 957	1 487	1 257	607

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.