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

Financial corporations, quarterly profit and loss accounts

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


Interest income and similar income	6 191	4 086	2 023	7 993	5 893
Interest etc. income on loans and demands on customers and credit institutions	6 189	4 085	2 022	7 993	5 892
Interest and similar income on treasury bills, government bonds and other interest-bearing capital securities	.	.	.	.	.
Other interest income	2	1	1	1	-

Interest expenses and similar expenses	2 051	1 309	637	2 410	1 759
Interest and similar expenses on deposits from and debt to customers and credit institutions	1 950	1 243	605	2 286	1 700
Interest and similar expenses on issued capital	16	10	5	31	26
Other interest expenses	85	55	27	93	33

Net interest income	4 140	2 777	1 386	5 583	4 134

Net commission income	885	580	243	1 286	860
Commission income	1 786	1 160	543	2 283	1 581
Commission costs	901	579	299	997	721

Net changes in value and gain/loss on securities and currency	8	7	5	9	-7
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	11	6	4	8	-
Net changes in value and gain/loss on other financial assets and liabilities	-3	1	1	1	-6

Other operating income	285	198	308	1 284	1 057
Income from shares and other securities with variable return	1	1	5	24	134
Income fromownership interest in associated companies and group companies	.	.	.	26	.
Other operating income (incl. gain on sale on real property)	284	197	303	1 234	923

Total income	8 270	5 450	2 879	11 570	8 524

Administration expenses	1 363	921	554	2 087	1 522
Wages and other personnel expenses	871	580	347	1 267	976
Other administration costs	492	341	208	820	546

Other operating costs	1 612	1 066	608	2 654	1 918
Depreciation and write-down	281	192	121	384	275
Other operating costs (incl. losses on sale on real property)	1 331	874	487	2 270	1 643

Total costs	5 926	3 875	2 099	8 148	5 920

Pre-loss profit	2 344	1 575	781	3 421	2 604

Losses on loans and guarantees etc.	385	260	177	817	621
Loss on loans	403	272	185	813	616
Loss on guarantees (incl. credit losses on securities)	-18	-12	-7	3	5

Pre-tax profit	1 959	1 315	603	2 605	1 984

Other profit components	.	.	.	.	.
Taxes on ordinary profit	523	340	157	647	497

Profit and loss at end of period	1 436	975	446	1 957	1 487

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.