Income statement

Parent bank					Group
2011	31 Mar 2011	31 Mar 2012	(NOK million)	Note	31 Mar 2012	31 Mar 2011	2011
3,824	899	984	Interest income		1,009	915	3,891
2,502	560	657	Interest expenses		659	559	2,499
1,322	339	327	Net interest		351	356	1,392
544	141	141	Commission income		196	192	778
75	16	19	Commission expenses		21	18	83
39	8	8	Other operating income		60	47	224
508	132	130	Commission income and other income		235	221	919
260	6	25	Dividends		0	3	36
-	-	-	Income from investment in related companies	2	99	54	290
66	13	53	Net return on financial investments	2	60	33	152
326	18	79	Net return on financial investments		160	89	478
2,156	490	535	Total income		746	666	2,789
528	142	164	Staff costs	2	232	198	810
315	68	77	Administration costs		97	86	381
245	53	54	Other operating expenses		69	65	291
1,089	263	295	Total operating expenses	4	398	348	1,482
1,068	227	240	Result before losses		349	318	1,306
12	-10	7	Loss on loans, guarantees etc.	6.7	8	-6	27
1,055	237	234	Result before tax	3	340	325	1,279
235	65	61	Tax charge		68	70	255
820	172	173	Net profit		272	255	1,024
			Majority share		271	248	1,016
			Minority interest		1	6	8

			Profit per ECC		1.42	1.52	6.04
			Diluted profit per ECC		1.41	1.48	5.99

Other comprehensive income

Parent bank				Group
2011	31 Mar 2011	31 Mar 2012	(NOK million)	31 Mar 2012	31 Mar 2011	2011
820	172	173	Net profit	272	255	1.024
-	-	-	Available-for-sale financial assets	7	9	-6
			Share of other comprehensive income of
-	-	-	associates and joint venture	1	6	-19
-	-	-	Other comprehensive income	7	15	-25
820	172	173	Total other comprehensive income	280	270	999
			Majority share of comprehensive income	278	263	991
			Minority interest of comprehensive income	1	6	8

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

Parent bank				Group
2011	31 Mar 2011	31 Mar 2012	Result as per cent of average total assets:	31 Mar 2012	31 Mar 2011	2011
1,37	1,44	1,33	Net interest	1,40	1,48	1,41
0,52	0,56	0,53	Commission income and other income	0,94	0,92	0,93
0,34	0,08	0,32	Net return on financial investments	0,64	0,37	0,48
1,12	1,11	1,20	Total operating expenses	1,59	1,45	1,51
1,10	0,96	0,98	Result before losses	1,39	1,32	1,33
0,01	-0,04	0,03	Loss on loans, guarantees etc.	0,03	-0,03	0,03
1,09	1,00	0,95	Result before tax	1,36	1,35	1,30
0,50	0,54	0,55	Cost -income ratio	0,53	0,52	0,53
68 %	65 %	71 %	Loan-to-deposit ratio	68 %	63 %	65 %
12,3%	10,7 %	10,0 %	Return on equity	13,0 %	13,2 %	12,8%