Income statement

Parent bank					Group
2012	31 Mar 2012	31 Mar 2013	(NOK million)	Note	31 Mar 2013	31 Mar 2012	2012
3,904	984	948	Interest income		954	1,009	3,928
2,532	657	636	Interest expenses		611	659	2,451
1,373	327	312	Net interest	1	343	351	1,477
707	141	206	Commission income		262	196	968
86	19	18	Commission expenses		20	21	96
51	8	13	Other operating income		75	60	267
672	130	201	Commission income and other income		317	235	1,139
290	25	47	Dividends		1	0	12
-	-	-	Income from investment in related companies		101	92	244
205	53	44	Net return on financial investments	1	61	60	195
495	79	91	Net return on financial investments		162	153	451
2,540	535	605	Total income		822	739	3,067
618	164	154	Staff costs	2	236	232	924
342	77	80	Administration costs		99	97	419
245	54	61	Other operating expenses		79	69	311
1,206	295	295	Total operating expenses	4	414	398	1,654
1,334	240	310	Result before losses		407	342	1,414
51	7	15	Loss on loans, guarantees etc.	2,6,7	17	8	58
1,283	234	296	Result before tax	3	390	333	1,355
262	61	70	Tax charge		77	68	295
4	-	6	Result investment held for sale, after tax		7	7	16
1,025	173	231	Net profit		321	272	1,077
			Majority share		319	271	1,068
			Minority interest		2	1	9

			Profit per ECC		1.56	1.42	5.25
			Diluted profit per ECC		1.55	1.41	5.21

Other comprehensive income

Parent bank				Group
2012	31 Mar 2012	31 Mar 2013	(NOK million)	31 Mar 2013	31 Mar 2012	2012
1,025	173	231	Net profit	321	272	1,077

			Items that will not be reclassified to profit/loss
115	-	-	Actuarial gains and losses pensions	-	-	121
-	-	-	Share of other comprehensive income of associates and joint venture	7	-	-
-	-	-	Tax	-	-	-
115	-	-	Total	7	-	121

			Items that will be reclassified to profit/loss
-	-	-	Available-for-sale financial assets	-	7	12
-	-	-	Share of other comprehensive income of associates and joint venture	-	1	10
-	-	-	Tax	-	-	-
-	-	-	Total	-	8	22
1,140	173	231	Total other comprehensive income	328	280	1,221
			Majority share of comprehensive income	326	278	1,213
			Minority interest of comprehensive income	2	1	8

Parent bank				Group
2012	31 Mar 2012	31 Mar 2013	Result as per cent of average total assets:	31 Mar 2013	31 Mar 2012	2012
1.32	1.33	1.15	Net interest	1.25	1.40	1.40
0.65	0.53	0.74	Commission income and other income	1.16	0.94	1.08
0.48	0.32	0.34	Net return on financial investments	0.59	0.61	0.43
1.16	1.20	1.09	Total operating expenses	1.52	1.59	1.57
1.28	0.98	1.15	Result before losses	1.49	1.36	1.34
0.05	0.03	0.05	Loss on loans, guarantees etc.	0.06	0.03	0.06
1.23	0.95	1.09	Result before tax	1.43	1.33	1.29
0.47	0.55	0.49	Cost -income ratio	0.50	0.54	0.54
73 %	71 %	72 %	Loan-to-deposit ratio	69 %	68 %	70 %
13.2 %	12.3 %	10.7 %	Return on equity	12.7 %	13.0 %	11.7 %