Note 11 - Account by business line

	Group 31 March 2011
Profit and loss account (NOK million)	RM	CM	Markets	EM 1	SP1F	Allegro	MNR	Uncollated	Total
Net interest	134	191	4	1	22	-	-	-25	327
Allocated	10	27	1	-	-	-	-	-37	0
Total interest income	144	218	4	1	22	-	-	-63	327
Commission income and other income	89	36	4	64	2	3	18	5	221
Net return on financial investments **)	1	5	12	0	0	0	-	100	118
Total income *)	234	259	21	65	24	3	18	43	666
Total operating expenses	150	86	20	52	12	4	16	8	348
Ordinary operating profit	84	173	0	12	13	-1	2	35	318
Loss on loans, guarantees etc.	1	-11	0	0	4	0	0	0	-6
Result before tax	83	183	0	12	9	-1	2	35	325
Post-tax return on equity	22.7 %	18.9 %							13.2 %

Balance (NOK million)
Loans and advances to customers	47,919	36,485	-	-	2,954	-	-	1,249	88,606
adv. of this to Boligkreditt	-19,118	-229	-	-	-	-	-	-706	-20,054
Individual allowance for impairment on loan	-29	-153	-	-	-35	-	-	-	-217
Group allowance for impairment on loan	-	-	-	-	-16	-	-	-273	-290
Other assets	194	158	-	89	-2,436	16	15	28,372	26,409
Total assets	28,966	36,261	-	89	466	16	15	28,642	94,455

Deposits to customers	19,317	21,801	-	-	-	-	-	1,782	42,900
Other liabilities and equity	9,649	14,460	-	89	466	16	15	26,859	51,555
Total liabilites	28,966	36,261	-	89	466	16	15	28,642	94,455

	Group 31 March 2010
Profit and loss account (NOK million)	RM	CM	Markets	EM 1	SP1F	Allegro	MNR	Uncollated	Total
Net interest	129	175	3	1	25	-	-	-32	300
Allocated	4	10	0	-	-	-	-	-14	0
Total interest income	133	185	3	1	25	-	-	-46	300
Commission income and other income	88	30	4	52	1	3	14	2	194
Net return on financial investments **)	0	2	7	0	0	0	-	26	36
Total income *)	220	217	14	53	26	3	14	-18	529
Total operating expenses	138	80	19	47	7	4	6	-95	206
Ordinary operating profit	82	137	-5	6	19	-1	8	77	323
Loss on loans, guarantees etc.	3	53	0	0	12	0	0	40	68
Result before tax	79	84	-5	6	7	-1	8	37	255
Post-tax return on equity	21.4 %	8.8 %							12.1 %

Balance (NOK million)
Loans and advances to customers	43,823	31,597	-	-	2,813	-	-	1,327	79,560
adv. of this to Boligkreditt	-16,883	-265	-	-	-	-	-	-525	-17,673
Individual allowance for impairment on loan	-40	-157	-	-	-30	-	-	-40	-267
Group allowance for impairment on loan	-108	-165	-	-	-18	-	-	0	-292
Other assets	266	145	-	100	44	14	12	23,049	23,630
Total assets	27,058	31,154	-	100	2,808	14	12	23,811	84,958

Deposits to customers	18,422	18,816	-	-	-	-	-	368	37,606
Other liabilities and equity	8,636	12,338	-	100	2,808	14	12	23,442	47,351
Total liabilites	27,058	31,154	-	100	2,808	14	12	23,811	84,958

*) A portion of capital market income (Markets) is distributed on RM and CM

**) Specification of net return on financial investments (NOKm)	31 March 2011	31 March 2010
Income from investment in related companies	54	41
adv. of this from SpareBank1 Gruppen	31	22
adv. of this from BN Bank ASA	14	13
adv. of this from Bank 1 Oslo	4	7
Net gain and dividends on securities	30	-10
adv. of this from Midt-Norge Invest	21	-12
Net gain on bonds	25	-3
Net gain on trading and derivatives SMN Markets	10	8
Net return on financial investments	118	36