Income statement

Parent bank					Group
2014	31 Mar 2014	31 Mar 2015	(NOKm)	Note	31 Mar 2015	31 Mar 2014	2014
4,223	1,016	1,007	Interest income		1,019	1,027	4,265
2,578	637	580	Interest expenses		552	615	2,475
1,644	379	427	Net interest	1	467	412	1,790
1,031	259	247	Commission income		306	318	1,281
104	20	24	Commission expenses		27	25	113
47	14	10	Other operating income		97	93	344
973	253	233	Commission income and other income		377	385	1,512
311	63	105	Dividends		0	46	65
-	-	-	Income from investment in related companies		129	82	527
197	166	66	Net return on financial investments	1,2	69	129	128
508	229	171	Net return on financial investments		198	257	720
3,125	861	832	Total income		1,042	1,055	4,021
645	161	160	Staff costs	2	267	254	1,002
410	99	102	Administration costs		126	123	500
209	45	44	Other operating expenses		61	64	287
1,265	305	307	Total operating expenses	4	454	441	1,789
1,860	556	525	Result before losses		588	614	2,232
83	15	20	Loss on loans, guarantees etc.	2,6,7	22	17	89
1,777	541	505	Result before tax	3	567	597	2,143
330	91	115	Tax charge		126	99	362
-	-	-	Result investment held for sale, after tax	3	-0	1	0
1,447	450	389	Net profit		441	500	1,782
			Majority share		439	498	1,772
			Minority interest		2	1	10

			Profit per ECC		2.19	2.49	8.87
			Diluted profit per ECC		2.18	2.48	8.82

Other comprehensive income

Parent bank				Group
2014	31 Mar 2014	31 Mar 2015	(NOKm)	31 Mar 2015	31 Mar 2014	2014
1,447	450	389	Net profit	441	500	1,782
			Items that will not be reclassified to profit/loss
-111	-	-	Actuarial gains and losses pensions	-	-	-117
29	-	-	Tax	-	-	31
-	-	-	Share of other comprehensive income of associates and joint venture	0	1	-9
-82	-	-	Total	0	1	-94

			Items that will be reclassified to profit/loss
-	-	-	Available-for-sale financial assets	-	-	-2
-	-	-	Share of other comprehensive income of associates and joint venture	1	-	0
-	-	-	Tax	-	-	-
-	-	-	Total	1	-	-2
1,365	450	389	Total other comprehensive income	442	501	1,685
			Majority share of comprehensive income	439	499	1,676
			Minority interest of comprehensive income	2	1	10

Parent bank				Group
2014	31 Mar 2014	31 Mar 2015	Result as per cent of average total assets:	31 Mar 2015	31 Mar 2014	2014
1.41	1.35	1.38	Net interest	1.50	1.45	1.52
0.84	0.90	0.76	Commission income and other income	1.21	1.36	1.28
0.44	0.82	0.55	Net return on financial investments	0.63	0.91	0.61
1.09	1.09	0.99	Total operating expenses	1.45	1.56	1.52
1.60	1.98	1.70	Result before losses	1.88	2.16	1.89
0.07	0.05	0.06	Loss on loans, guarantees etc.	0.07	0.06	0.08
1.53	1.93	1.63	Result before tax	1.82	2.10	1.82
0.40	0.35	0.37	Cost -income ratio	0.44	0.42	0.44
70 %	72 %	69 %	Loan-to-deposit ratio	66 %	69 %	67 %
14.1 %	18.3 %	14.4 %	Return on equity	14.1 %	17.7 %	15.1 %