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


Interest income and similar income	6 624	4 377	2 084	8 105	6 040
Interest etc. income on loans and demands on customers and credit institutions	6 619	4 374	2 082	8 101	6 038
Interest and similar income on treasury bills, government bonds and other interest-bearing capital securities	.	.	.	.	.
Other interest income	4	3	2	5	2

Interest expenses and similar expenses	2 211	1 513	777	2 843	2 051
Interest and similar expenses on deposits from and debt to customers and credit institutions	2 082	1 427	733	2 699	1 950
Interest and similar expenses on issued capital	21	13	5	22	16
Other interest expenses	107	73	39	122	85

Net interest income	4 413	2 864	1 307	5 262	3 989

Net commission income	950	408	264	1 206	885
Commission income	1 885	1 033	566	2 408	1 786
Commission costs	934	626	302	1 202	901

Net changes in value and gain/loss on securities and currency	4	-1	1	16	8
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	-3	-2	-1	16	11
Net changes in value and gain/loss on other financial assets and liabilities	7	2	2	-	-3

Other operating income	337	236	110	412	281
Income from shares and other securities with variable return	5	4	-	1	1
Income fromownership interest in associated companies and group companies	23	23	.	.	.
Other operating income (incl. gain on sale on real property)	309	209	110	411	280

Total income	8 849	5 646	2 761	10 941	8 115

Administration expenses	1 529	971	496	1 873	1 363
Wages and other personnel expenses	916	597	324	1 164	871
Other administration costs	612	374	172	709	492

Other operating costs	1 561	829	399	1 886	1 458
Depreciation and write-down	231	149	28	143	126
Other operating costs (incl. losses on sale on real property)	1 329	680	371	1 743	1 333

Total costs	6 234	3 938	1 974	7 804	5 773

Pre-loss profit	2 614	1 708	788	3 137	2 342

Losses on loans and guarantees etc.	449	367	124	517	384
Loss on loans	481	388	136	533	402
Loss on guarantees (incl. credit losses on securities)	-32	-21	-11	-17	-18

Pre-tax profit	2 165	1 341	663	2 620	1 959

Other profit components	.	.	.	.	.
Taxes on ordinary profit	532	341	160	691	523

Profit and loss at end of period	1 633	1 000	504	1 929	1 436

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.