Banks, quarterly profit and loss accounts . NOK million (cumulative)

Financial corporations, quarterly profit and loss accounts

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


Interest income and similar income	64 393	31 635	123 755	91 330	58 376
Interest etc. income on loans and demands on customers and credit institutions	55 238	27 262	106 646	78 810	50 332
Interest and similar income on treasury bills, government bonds and other interest-bearing capital securities	8 615	4 332	16 762	12 301	7 935
Other interest income	539	41	347	219	108

Interest expenses and similar expenses	38 933	18 959	73 811	54 222	34 724
Interest and similar expenses on deposits from and debt to customers and credit institutions	27 829	13 585	51 496	37 963	24 108
Interest and similar expenses on issued capital	8 105	3 954	14 838	10 798	6 796
Other interest expenses	2 999	1 420	7 477	5 461	3 820

Net interest income	25 459	12 676	49 944	37 107	23 652

Net commission income	6 167	2 934	11 741	8 580	5 716
Commission income	8 232	3 953	16 056	11 808	7 854
Commission costs	2 066	1 018	4 315	3 229	2 138

Net changes in value and gain/loss on securities and currency	1 942	444	4 484	3 319	906
Net changes in value and gain/loss on treasury bills, government bonds and other interest-bearing sercurities	696	-361	-22	1 069	516
Net changes in value and gain/loss on shares and other securities with variable return	-307	564	971	283	-2 130
Net changes in value and gain/loss on currency	-1 084	559	3 633	3 754	-1 627
Net changes in value and gain/loss on other financial assets and liabilities	2 638	-317	-98	-1 787	4 148

Other operating income	4 254	1 249	11 939	8 562	8 552
Income from shares and other securities with variable return	1 303	162	3 732	2 028	1 872
Income fromownership interest in associated companies and group companies	1 035	119	1 095	671	667
Other operating income (incl. gain on sale on real property)	1 916	968	7 112	5 863	6 012

Total income	78 821	37 281	156 234	115 019	75 688

Administration expenses	15 220	7 812	28 263	20 861	13 326
Wages and other personnel expenses	9 621	4 862	17 587	13 105	8 124
Other administration costs	5 599	2 951	10 676	7 757	5 202

Other operating costs	4 095	1 948	8 196	5 933	3 890
Depreciation and write-down	1 249	519	2 581	1 988	1 262
Other operating costs (incl. losses on sale on real property)	2 846	1 429	5 615	3 945	2 627

Total costs	60 314	29 738	114 586	84 245	54 077

Pre-loss profit	18 507	7 543	41 648	30 774	21 611

Losses on loans and guarantees etc.	1 934	1 013	3 818	2 961	2 253
Loss on loans	1 953	996	3 980	3 004	2 257
Loss on guarantees (incl. credit losses on securities)	-19	16	-162	-42	-4

Pre-tax profit	16 573	6 530	37 830	27 812	19 358

Other profit components	8	1	7	-10	-1
Taxes on ordinary profit	4 015	1 669	9 081	6 819	4 683

Profit and loss at end of period	12 567	4 862	28 756	20 983	14 674

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.