Note 3 - Account by business line

	Group 30 June 2012
Profit and loss account (NOK million)	RM	CM	Markets	EM 1	SMN Finans	Allegro	SMN Regnskap	Uncollated	Total
Net interest	251	433	-1	2	58	0	0	-22	720
Allocated	8	56	2	-	-	-	-	-66	-
Total interest income	259	489	1	2	58	0	0	-88	720
Commission income and other income	204	64	10	166	-1	5	52	23	524
Net return on financial investments **)	1	17	41	0	0	-	1	180	239
Total income *)	464	570	52	168	56	5	53	115	1,483
Total operating expenses	320	196	45	126	25	7	44	36	799
Ordinary operating profit	144	374	8	42	31	-1	9	80	684
Loss on loans, guarantees etc.	2	22	-	-	1	-	-	0	25
Result before tax	142	351	8	42	30	-1	9	80	659
Post-tax return on equity	16.2 %	13.8 %							11.7 %

Balance (NOK million)
Loans and advances to customers	55,338	40,163	-	72	2,997	29	8	1,944	100,552
Adv. of this to SpareBank 1 Boligkreditt	-24,921	-1,077	-	-	-	-	-	-959	-26,958
Individual allowance for impairment on loan	-31	-124	-	-	-11	-	-	0	-166
Group allowance for impairment on loan	-	-	-	-	-16	-	-	-273	-290
Other assets	201	579	-	187	37	8	51	33,616	34,676
Total assets	30,586	39,541	-	259	3,005	37	59	34,328	107,815

Deposits to customers	22,644	25,871	-	-	-	-	-	2,990	51,504
Other liabilities and equity	7,943	13,670	-	259	3,005	37	59	31,338	56,310
Total liabilites	30,586	39,541	-	259	3,005	37	59	34,328	107,815

	Group 30 June 2011
Profit and loss account (NOK million)	RM	CM	Markets	EM 1	SMN Finans	Allegro	SMN Regnskap	Uncollated	Total
Net interest	257	378	6	2	48	0	-	9	700
Allocated	11	65	3	-	-	-	-	-79	-
Total interest income	268	443	9	2	48	0	-	-70	700
Commission income and other income	179	70	9	144	-1	6	36	11	453
Net return on financial investments **)	1	11	25	-0	1	-	0	151	188
Total income *)	448	523	43	146	48	7	36	92	1,341
Total operating expenses	307	171	38	113	23	8	31	17	708
Ordinary operating profit	141	351	5	33	25	-1	5	74	633
Loss on loans, guarantees etc.	3	-19	-	-	8	-	-	0	-7
Result before tax	138	370	5	33	17	-1	5	74	640
Post-tax return on equity	17.6 %	14.2 %							13.0 %

Balance (NOK million)
Loans and advances to customers	49,317	37,245	-	-	2,940	-	-	1,438	90,939
Adv. of this to SpareBank 1 Boligkreditt	-21,372	-249	-	-	-	-	-	-759	-22,379
Individual allowance for impairment on loan	-41	-100	-	-	-36	-	-	0	-177
Group allowance for impairment on loan	-	-	-	-	-16	-	-	-273	-290
Other assets	207	179	-	167	-2,479	16	24	32,298	30,411
Total assets	28,111	37,074	-	167	408	16	24	32,703	98,503

Deposits to customers	20,661	23,640	-	-	-	-	-	1,688	45,990
Other liabilities and equity	7,450	13,434	-	167	408	16	24	31,015	52,513
Total liabilites	28,111	37,074	-	167	408	16	24	32,703	98,503
*) A portion of capital market income (Markets) is distributed on RM and CM

**) Specification of net return on financial investments (NOKm)	30 June 2012	30 June 2011
Income from investment in related companies	149	122
adv. of this from SpareBank1 Gruppen	60	50
adv. of this from BN Bank ASA	27	44
adv. of this from Bank 1 Oslo Akershus AS	19	9
adv. of this from SpareBank 1 Boligkreditt	25	10
adv. of this from SpareBank 1 Næringskreditt	5	4
adv. of this from Polaris Media	15	7
Net gain and dividends on securities	-7	39
adv. of this from SpareBank 1 SMN Invest	1	30
Net gain on bonds	38	2
Net gain on trading and derivatives SMN Markets	59	25
Net return on financial investments	239	188