Income statement

Parent bank     Group
2014 3Q 14 3Q 15 30 Sept 2014 30 Sept 2015 (NOKm) Note 30 Sept 2015 30 Sept 2014 3Q 15 3Q 14 2014
4,223 1,070 962 3,132 2,949 Interest income    3,069 3,162 1,058 1,080 4,265
2,578 644 538 1,931 1,671 Interest expenses    1,670 1,857 593 617 2,475
1,644 426 423 1,200 1,277 Net interest  1 1,399 1,305 466 463 1,790
1,031 250 256 768 749 Commission income   936 958 317 314 1,281
104 24 28 71 75 Commission expenses   97 81 38 28 113
47 10 8 35 210 Other operating income   329 263 99 74 344
973 235 237 732 884 Commission income and other income   1,168 1,140 378 361 1,512
311 0 4 311 470 Dividends   23 60 0 0 65
- - - - - Income from investment in related companies   327 383 78 170 527
197 7 -85 188 -92 Net return on financial investments 1,2 1 185 -91 1 128
508 7 -81 499 378 Net return on financial investments   350 629 -13 170 720
3,125 668 579 2,432 2,540 Total income   2,917 3,074 831 993 4,021
645 148 139 461 440 Staff costs   814 735 264 235 1,002
410 103 98 306 308 Administration costs   411 371 137 122 500
209 53 46 149 142 Other operating expenses   192 204 65 68 287
1,265 305 284 916 890 Total operating expenses  4 1,416 1,310 466 425 1,789
1,860 363 295 1,516 1,650 Result before losses   1,501 1,765 364 568 2,232
83 22 54 51 106 Loss on loans, guarantees etc. 2,6,7 112 55 56 24 89
1,777 340 242 1,464 1,544 Result before tax 3 1,389 1,709 309 545 2,143
330 89 65 270 250 Tax charge   270 302 61 101 362
- - - - - Result investment held for sale, after tax 3 -1 -0 0 -1 0
1,447 252 177 1,194 1,294 Net profit   1,119 1,407 248 443 1,782
          Majority share   1,119 1,399 253 441 1,772
          Minority interest   0 8 -5 3 10
                       
          Profit per ECC   5.57 7.00 1.23 2.21 8.87
          Diluted profit per ECC   5.57 6.97 1.26 2.19 8.82

Other comprehensive income

Parent bank   Group
2014 3Q 14 3Q 15 30 Sept 2014 30 Sept 2015 (NOKm) 30 Sept 2015 30 Sept 2014 3Q 15 3Q 14 2014
1,447 252 177 1,194 1,294 Net profit 1,119 1,407 248 443 1,782
          Items that will not be reclassified to profit/loss          
-111 - - -89 - Actuarial gains and losses pensions - -94 - - -117
29 - - 24 - Tax  - 25 - - 31
- - - - - Share of other comprehensive income of associates and joint venture 35 3 6 4 -9
-82 - - -65 - Total 35 -66 6 4 -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 0 - -1 - 0
- - - - - Tax - - - - -
- - - - - Total  0 - -1 - -2
1,365 252 177 1,129 1,294 Total other comprehensive income 1,154 1,341 253 448 1,685
          Majority share of comprehensive income 1,154 1,333 258 445 1,676
          Minority interest of comprehensive income 0 8 -5 3 10
 Other comprehensive income comprise items reflected directly in equity capital that are not transactions with owners, cf. IAS 1

Key figures

Parent bank    Group
2014 3Q 14 3Q 15 30 Sept 2014 30 Sept 2015 Result as per cent of average total assets: 30 Sept 2015 30 Sept 2014 3Q 15 3Q 14 2014
1.41 1.46 1.32 1.40 1.35 Net interest  1.46 1.50 1.43 1.57 1.52
0.84 0.81 0.74 0.85 0.94 Commission income and other income 1.22 1.31 1.16 1.22 1.28
0.44 0.02 -0.25 0.58 0.40 Net return on financial investments 0.37 0.72 -0.04 0.58 0.61
1.09 1.05 0.89 1.07 0.94 Total operating expenses  1.48 1.51 1.43 1.44 1.52
1.60 1.24 0.92 1.77 1.75 Result before losses 1.57 2.03 1.12 1.93 1.89
0.07 0.08 0.17 0.06 0.11 Loss on loans, guarantees etc. 0.12 0.06 0.17 0.08 0.08
1.53 1.17 0.75 1.71 1.64 Result before tax 1.45 1.97 0.95 1.85 1.82
0.40 0.46 0.49 0.38 0.35 Cost -income ratio 0.49 0.43 0.56 0.43 0.44
70 %     70 % 71 % Loan-to-deposit ratio 67 % 67 %     67 %
14.1 % 9.6 % 6.1 % 15.7 % 15.4 % Return on equity  11.5 % 16.1 % 7.4 % 14.8 % 15.1 %
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