Income statement

Parent bank					Group
2013	31 Mar 2013	31 Mar 2014	(NOK million)	Note	31 Mar 2014	31 Mar 2013	2013
4,092	948	1,016	Interest income		1,027	954	4,118
2,604	636	637	Interest expenses		615	611	2,502
1,487	312	379	Net interest	1	412	343	1,616
970	205	259	Commission income		318	262	1,230
81	17	20	Commission expenses		25	20	94
57	14	14	Other operating income		93	75	327
946	201	253	Commission income and other income		385	317	1,463
371	47	63	Dividends		46	0	41
-	-	-	Income from investment in related companies		82	101	355
176	44	166	Net return on financial investments	1,2	129	61	106
547	91	229	Net return on financial investments		257	162	502
2,981	605	861	Total income		1,055	822	3,580
592	157	161	Staff costs		254	240	923
357	78	99	Administration costs		123	97	447
248	60	45	Other operating expenses		64	78	352
1,197	295	305	Total operating expenses	4	441	414	1,722
1,783	310	556	Result before losses		614	407	1,859
82	15	15	Loss on loans, guarantees etc.	2,6,7	17	17	101
1,701	296	541	Result before tax	3	597	390	1,758
358	70	91	Tax charge		99	77	388
6	6	-	Result investment held for sale, after tax	3	1	7	30
1,348	231	450	Net profit		500	321	1,400
			Majority share		498	319	1,390
			Minority interest		1	2	10

			Profit per ECC		2.50	1.56	6.97
			Diluted profit per ECC		2.49	1.55	6.92

Other comprehensive income

Parent bank				Group
2013	31 Mar 2013	31 Mar 2014	(NOK million)	31 Mar 2014	31 Mar 2013	2013
1,348	231	450	Net profit	500	321	1,400
			Items that will not be reclassified to profit/loss
-9	-	-	Actuarial gains and losses pensions	-	-	-11
3	-	-	Tax	-	-	3
-	-	-	Share of other comprehensive income of associates and joint venture	1	7	11
-7	-	-	Total	1	7	3

			Items that will be reclassified to profit/loss
-	-	-	Available-for-sale financial assets	-	-	-6
-	-	-	Share of other comprehensive income of associates and joint venture	-	-	14
-	-	-	Tax	-	-	-
-	-	-	Total	-	-	8
1,342	231	450	Total other comprehensive income	501	328	1,411
			Majority share of comprehensive income	499	326	1,401
			Minority interest of comprehensive income	1	2	10
Other comprehensive income comprise items reflected directly in equity capital that are not transactions with owners, cf. IAS 1.

Parent bank				Group
2013	31 Mar 2013	31 Mar 2014	Result as per cent of average total assets:	31 Mar 2014	31 Mar 2013	2013
1.34	1.15	1.35	Net interest	1.45	1.25	1.44
0.85	0.74	0.90	Commission income and other income	1.36	1.16	1.31
0.49	0.34	0.82	Net return on financial investments	0.91	0.59	0.45
1.08	1.09	1.09	Total operating expenses	1.56	1.52	1.54
1.61	1.15	1.98	Result before losses	2.16	1.49	1.66
0.07	0.05	0.05	Loss on loans, guarantees etc.	0.06	0.06	0.09
1.54	1.09	1.93	Result before tax	2.10	1.43	1.57
0.40	0.49	0.35	Cost -income ratio	0.42	0.50	0.48
73 %	72 %	73 %	Loan-to-deposit ratio	69 %	69 %	70 %
14.7 %	10.7 %	18.3 %	Return on equity	17.7 %	12.7 %	13.3 %