Results from quarterly accounts

Group (NOKm)	4Q	3Q	2Q	1Q	Q4	Q3	Q2	Q1	4Q
	2014	2014	2014	2014	2013	2013	2013	2013	2012
Interest income	1,103	1,080	1,055	1,027	1,059	1,068	1,036	954	941
Interest expenses	618	617	625	615	624	634	633	611	543
Net interest	485	463	430	412	436	434	403	343	399
Commission income	323	314	326	318	323	323	323	262	280
Commission expenses	33	28	28	25	25	28	21	20	28
Other operating income	81	74	96	93	84	72	95	75	69
Commission income and other income	371	361	394	385	382	367	396	317	321
Dividends	5	0	14	46	0	11	30	0	2
Income from investment in related companies	144	170	131	82	98	120	36	101	3
Net return on financial investments	-58	1	56	129	58	5	-17	61	32
Net return on financial investments	91	170	201	257	156	135	49	162	37
Total income	947	993	1,026	1,055	974	937	849	822	756
Staff costs	267	235	245	254	222	224	237	240	234
Administration costs	129	122	126	123	134	100	117	97	113
Other operating expenses	83	68	72	64	110	83	81	78	90
Total operating expenses	479	425	443	441	465	406	435	414	437
Result before losses	467	568	583	614	508	530	413	407	319
Loss on loans, guarantees etc.	34	24	15	17	32	30	22	17	17
Result before tax	434	545	568	597	476	501	391	390	302
Tax charge	60	101	103	99	110	98	102	77	69
Result investment held for sale, after tax	0	-1	-1	1	-4	31	-4	7	27
Net profit	375	443	464	500	361	433	285	321	260