3rd quarter 2012

Accounts for the nine months ended 30 September 2012

(Consolidated figures. Figures in parentheses refer to the same period of 2011 unless otherwise stated)

• Profit before tax: NOK 1,042m (946m)
• Net profit: NOK 816m (745m)
• Return on equity: 12.1 percent (12.6 percent)
• Growth in lending 11.4 percent (7.7 percent) and deposits 10.5 percent (19.1 percent) over past 12 months
• Loan losses: NOK 42m (1m)
• Tier 1 capital adequacy: 10.6 percent (10.4 percent)
• Earnings per equity certificate (EC): NOK 3.99 (4.41)

Third quarter 2012 in isolation

• Profit before tax: NOK 383m (306m)
• Net profit: NOK 306m (240m)
• Return on equity: 12.8 percent (12.0 percent)
• Loan losses: NOK 16m (8m)
• Earnings per EC: NOK 1.52 (1.42)