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)
	2012:3	2012:2	2012:1	2011:4	2011:3


Interest income and similar income	101 636	68 331	34 690	135 663	98 995
Interest etc. income on loans and demands on customers and credit institutions	87 834	59 140	30 041	115 810	84 237
Interest and similar income on treasury bills, government bonds and other interest-bearing capital securities	12 083	8 127	4 223	17 856	13 317
Other interest income	1 720	1 064	426	1 998	1 441

Interest expenses and similar expenses	61 412	41 603	21 145	82 715	60 021
Interest and similar expenses on deposits from and debt to customers and credit institutions	44 586	30 312	15 566	59 182	42 391
Interest and similar expenses on issued capital	13 546	9 157	4 656	17 110	12 498
Other interest expenses	3 280	2 133	923	6 423	5 132

Net interest income	40 224	26 728	13 545	52 949	38 974

Net commission income	9 892	6 591	3 051	12 395	9 421
Commission income	13 188	8 798	4 161	16 750	12 592
Commission costs	3 296	2 206	1 109	4 355	3 171

Net changes in value and gain/loss on securities and currency	7 585	5 058	3 036	3 919	2 516
Net changes in value and gain/loss on treasury bills, government bonds and other interest-bearing sercurities	5 361	2 785	1 990	143	753
Net changes in value and gain/loss on shares and other securities with variable return	32	-153	191	-833	-795
Net changes in value and gain/loss on currency	3 702	3 548	4 614	-5 940	-8 449
Net changes in value and gain/loss on other financial assets and liabilities	-1 510	-1 122	-3 759	10 549	11 007

Other operating income	6 150	4 663	1 391	7 807	5 191
Income from shares and other securities with variable return	989	900	210	3 046	1 466
Income fromownership interest in associated companies and group companies	1 407	1 421	184	1 254	1 084
Other operating income (incl. gain on sale on real property)	3 754	2 342	997	3 507	2 642

Total income	128 558	86 849	43 278	164 140	119 295

Administration expenses	24 387	16 293	8 226	31 650	23 333
Wages and other personnel expenses	16 166	10 779	5 486	20 047	14 986
Other administration costs	8 221	5 514	2 740	11 603	8 348

Other operating costs	6 393	4 326	2 018	9 266	6 269
Depreciation and write-down	1 887	1 268	544	3 426	1 961
Other operating costs (incl. losses on sale on real property)	4 506	3 058	1 473	5 840	4 309

Total costs	95 488	64 428	32 498	127 986	92 795

Pre-loss profit	33 071	22 421	10 780	36 154	26 500

Losses on loans and guarantees etc.	3 530	2 307	1 218	5 319	3 131
Loss on loans	3 406	2 182	1 122	5 224	3 110
Loss on guarantees (incl. credit losses on securities)	124	126	96	95	21

Pre-tax profit	29 541	20 114	9 561	30 835	23 369

Other profit components	-10	-4	2	-1	4
Taxes on ordinary profit	8 000	5 373	2 525	8 566	6 060

Profit and loss at end of period	21 531	14 738	7 039	22 268	17 313

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.