Income statement

Parent bank							Group
2010	Q3 10	Q3 11	30 Sept 2010	30 Sept 2011	(NOK million)	Note	30 Sept 2011	30 Sept 2010	Q3 11	Q3 10	2010
3,226	849	962	2,352	2,723	Interest income		2,773	2,421	978	869	3,315
2,110	551	658	1,508	1,811	Interest expenses		1,808	1,504	657	549	2,105
1,116	298	304	844	912	Net interest		965	917	320	320	1,210
573	148	140	439	424	Commission income		591	634	159	215	766
74	19	19	53	52	Commission expenses		58	58	21	21	81
24	1	6	8	21	Other operating income		155	56	96	16	170
524	130	128	394	393	Commission income and other income		687	632	234	210	855
191	0	-1	191	260	Dividends		34	43	0	0	43
-	-	-	-	-	Income from investment in related companies	2	171	167	49	69	249
221	56	52	110	113	Net return on financial investments	2	159	82	73	55	197
411	57	51	301	372	Net return on financial investments		365	292	122	125	490
2,051	485	482	1,539	1,677	Total income		2,017	1,841	676	655	2,555
376	132	137	297	414	Staff costs	2	614	447	209	191	583
278	65	70	196	218	Administration costs		268	241	86	76	339
171	44	57	121	163	Other operating expenses		188	142	66	52	218
825	241	264	614	794	Total operating expenses	4	1,070	829	361	320	1,140
1,226	244	218	926	883	Result before losses		948	1,012	315	335	1,414
108	9	5	88	-10	Loss on loans, guarantees etc.	6,7	1	108	8	12	132
1,118	235	213	837	893	Result before tax	3	946	904	306	323	1,282
235	62	60	179	184	Tax charge		201	200	66	67	260
882	174	153	659	709	Net profit		745	704	240	256	1,022
					Majority share		740	700	238	254	1,017
					Minority interest		6	4	2	1	5

					Profit per ECC		4.81	4.43	1.55	1.61	6.43
					Diluted profit per ECC		4.78	4.43	1.54	1.60	6.40

Other comprehensive income*

Parent bank						Group
2010	Q3 10	Q3 11	30 Sept 2010	30 Sept 2011	(NOK million)	30 Sept 2011	30 Sept 2010	Q3 11	Q3 10	2010
882	174	153	659	709	Net profit	745	704	240	256	1,022
-	-	-	-	-	Available-for-sale financial assets	-6	-	-11	-	7
					Share of other comprehensive income of
-	-	-	-	-	associates and joint venture	-11	-34	-11	-14	-29
-	-	-	-	-	Other comprehensive income	-17	-34	-22	-14	-22
882	174	153	659	709	Total other comprehensive income	728	671	219	241	1,000
					Majority share of comprehensive income	723	666	217	240	995
					Minority interest of comprehensive income	6	4	2	1	5

^{* Other comprehensive income comprise items reflected directly in equity capital that are not transactions with owners, cf. IAS 1}

Parent bank						Group
2010	Q3 10	Q3 11	30 Sept 2010	30 Sept 2011	Result as per cent of average total assets:	30 Sept 2011	30 Sept 2010	Q3 11	Q3 10	2010
1.24	1.28	1.24	1.28	1.27	Net interest	1.32	1.36	1.29	1.35	1.33
0.58	0.56	0.52	0.60	0.54	Commission income and other income	0.94	0.94	0.94	0.89	0.94
0.46	0.24	0.21	0.45	0.52	Net return on financial investments	0.50	0.43	0.49	0.53	0.54
1.11	1.03	1.08	0.93	1.10	Total operating expenses	1.46	1.23	1.46	1.35	1.50
1.36	1.05	0.89	1.40	1.22	Result before losses	1.29	1.51	1.27	1.42	1.55
0.12	0.04	0.02	0.13	-0.01	Loss on loans, guarantees etc.	0.00	0.16	0.03	0.05	0.15
1.24	1.01	0.87	1.27	1.24	Result before tax	1.29	1.35	1.24	1.36	1.40
0.40	0.50	0.55	0.40	0.47	Cost -income ratio	0.53	0.45	0.53	0.49	0.45
64 %			60 %	67 %	Loan-to-deposit ratio	64 %	58 %			61 %
15.1 %	11.1 %	9.1 %	15.5 %	14.4 %	Return on equity	12.6 %	13.9 %	12.0 %	13.9 %	14.6 %