Results from quarterly accounts

Group (NOKm)	4Q	3Q	2Q	1Q	4Q	3Q	2Q	1Q	4Q
	2019	2019	2019	2019	2018	2018	2018	2018	2017
Interest income effective interest method	1,235	1,190	1,127	1,075	1,082	1,025	989	962	989
Interest expenses	538	512	463	426	438	414	408	394	400
Net interest	697	678	664	649	644	610	581	568	589
Commission income	371	374	363	329	343	344	361	339	372
Commission expenses	47	55	51	40	42	45	45	36	49
Other operating income	255	235	294	262	242	186	291	239	206
Commission income and other income	579	554	606	551	543	486	607	542	529
Dividends	1	1	11	2	2	0	4	2	0
Income from investment in related companies	8	85	231	555	130	105	102	79	147
Net return on financial investments	8	35	95	169	-37	77	195	99	108
Net return on financial investments	17	121	336	727	95	182	300	180	256
Total income	1,292	1,353	1,607	1,926	1,282	1,277	1,488	1,290	1,374
Staff costs	411	404	438	447	391	376	413	403	362
Other operating expenses	309	269	263	257	311	240	248	241	255
Total operating expenses	720	673	701	704	701	616	661	645	618
Result before losses	572	680	907	1,223	580	661	827	645	756
Loss on loans, guarantees etc.	103	71	59	67	67	69	78	48	78
Result before tax	469	609	848	1,155	513	592	748	596	678
Tax charge	123	121	165	109	104	119	156	131	122
Result investment held for sale, after tax	0	-0	0	0	-8	6	150	1	-4
Net profit	346	488	683	1,046	401	480	743	466	553