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


Interest income and similar income	98 995	64 853	31 967	123 755	91 330
Interest etc. income on loans and demands on customers and credit institutions	84 239	55 238	27 227	106 646	78 810
Interest and similar income on treasury bills, government bonds and other interest-bearing capital securities	13 315	8 618	4 332	16 762	12 301
Other interest income	1 441	996	408	347	219

Interest expenses and similar expenses	60 018	39 393	19 291	73 811	54 222
Interest and similar expenses on deposits from and debt to customers and credit institutions	42 391	27 829	13 585	51 496	37 963
Interest and similar expenses on issued capital	12 495	8 105	3 954	14 838	10 798
Other interest expenses	5 132	3 459	1 752	7 477	5 461

Net interest income	38 977	25 459	12 676	49 944	37 107

Net commission income	9 421	6 167	2 934	11 741	8 580
Commission income	12 592	8 232	3 953	16 056	11 808
Commission costs	3 171	2 066	1 018	4 315	3 229

Net changes in value and gain/loss on securities and currency	2 516	1 943	444	4 484	3 319
Net changes in value and gain/loss on treasury bills, government bonds and other interest-bearing sercurities	753	696	-361	-22	1 069
Net changes in value and gain/loss on shares and other securities with variable return	-795	-307	564	971	283
Net changes in value and gain/loss on currency	-8 449	-1 084	559	3 633	3 754
Net changes in value and gain/loss on other financial assets and liabilities	11 007	2 638	-317	-98	-1 787

Other operating income	5 191	4 254	1 249	11 939	8 562
Income from shares and other securities with variable return	1 466	1 303	162	3 732	2 028
Income fromownership interest in associated companies and group companies	1 084	1 035	119	1 095	671
Other operating income (incl. gain on sale on real property)	2 642	1 916	968	7 112	5 863

Total income	119 295	79 282	37 613	156 234	115 019

Administration expenses	23 333	15 220	7 812	28 263	20 861
Wages and other personnel expenses	14 986	9 621	4 862	17 587	13 105
Other administration costs	8 348	5 599	2 951	10 676	7 757

Other operating costs	6 269	4 095	1 948	8 196	5 933
Depreciation and write-down	1 961	1 249	519	2 581	1 988
Other operating costs (incl. losses on sale on real property)	4 308	2 846	1 429	5 615	3 945

Total costs	92 792	60 774	30 070	114 586	84 245

Pre-loss profit	26 503	18 508	7 543	41 648	30 774

Losses on loans and guarantees etc.	3 134	1 934	1 013	3 818	2 961
Loss on loans	3 113	1 953	996	3 980	3 004
Loss on guarantees (incl. credit losses on securities)	21	-19	16	-162	-42

Pre-tax profit	23 369	16 574	6 530	37 830	27 812

Other profit components	4	8	1	7	-10
Taxes on ordinary profit	6 060	4 014	1 669	9 081	6 819

Profit and loss at end of period	17 313	12 568	4 862	28 756	20 983

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.