Income statement
| Parent bank | Group | ||||||||
| Fourth quarter | Jan - Dec | Jan - Dec | Fourth quarter | ||||||
| 2022 | 2023 | 2022 | 2023 | (NOKm) | Note | 2023 | 2022 | 2023 | 2022 |
| 1,740 | 2,729 | 5,128 | 9,219 | Interest income effective interest method | 9,721 | 5,596 | 2,847 | 1,864 | |
| 273 | 418 | 724 | 1,548 | Other interest income | 1,542 | 720 | 416 | 272 | |
| 1,170 | 1,948 | 2,972 | 6,622 | Interest expenses | 6,631 | 2,977 | 1,951 | 1,175 | |
| 843 | 1,199 | 2,880 | 4,144 | Net interest | 11 | 4,632 | 3,339 | 1,312 | 961 |
| 282 | 272 | 1,192 | 1,117 | Commission income | 1,370 | 1,446 | 325 | 340 | |
| 25 | 25 | 90 | 114 | Commission expenses | 199 | 186 | 40 | 45 | |
| 19 | 17 | 55 | 73 | Other operating income | 913 | 781 | 213 | 178 | |
| 276 | 263 | 1,156 | 1,076 | Commission income and other income | 12 | 2,084 | 2,042 | 498 | 473 |
| 93 | 82 | 677 | 711 | Dividends | 26 | 33 | -10 | 19 | |
| - | - | - | - | Income from investment in related companies | 4 | 297 | 442 | 90 | 195 |
| -31 | 447 | -123 | 464 | Net return on financial investments | 14 | 476 | -94 | 491 | -52 |
| 63 | 529 | 554 | 1,176 | Net return on financial investments | 799 | 380 | 571 | 163 | |
| 1,182 | 1,991 | 4,590 | 6,396 | Total income | 7,515 | 5,760 | 2,382 | 1,597 | |
| 155 | 258 | 661 | 849 | Staff costs | 1,691 | 1,406 | 476 | 333 | |
| 261 | 336 | 841 | 1,121 | Other operating expenses | 13 | 1,326 | 1,038 | 390 | 314 |
| 416 | 595 | 1,502 | 1,969 | Total operating expenses | 3,017 | 2,443 | 866 | 646 | |
| 766 | 1,396 | 3,088 | 4,426 | Result before losses | 4,498 | 3,317 | 1,517 | 951 | |
| 8 | -27 | -37 | -72 | Loss on loans, guarantees etc. | 7, 8 | 14 | -7 | 20 | 19 |
| 758 | 1,423 | 3,125 | 4,498 | Result before tax | 4 | 4,484 | 3,324 | 1,496 | 932 |
| 194 | 228 | 631 | 820 | Tax charge | 904 | 718 | 262 | 210 | |
| - | - | - | - | Result investment held for sale, after tax | 2, 4 | 108 | 179 | 12 | 46 |
| 565 | 1,195 | 2,494 | 3,678 | Net profit | 3,688 | 2,785 | 1,247 | 768 | |
| 16 | 38 | 60 | 122 | Attributable to additional Tier 1 Capital holders | 125 | 63 | 40 | 17 | |
| 351 | 773 | 1,557 | 2,376 | Attributable to Equity capital certificate holders | 2,331 | 1,658 | 809 | 456 | |
| 198 | 384 | 877 | 1,181 | Attributable to the saving bank reserve | 1,159 | 934 | 402 | 257 | |
| Attributable to non-controlling interests | 74 | 130 | -4 | 37 | |||||
| 565 | 1,195 | 2,494 | 3,678 | Net profit | 3,688 | 2,785 | 1,247 | 768 | |
| Profit/diluted profit per ECC | 20 | 16.88 | 12.82 | 5.62 | 3.53 | ||||
Other comprehensive income
| Parent bank | Group | ||||||||
| Fourth quarter | Jan - Dec | Jan - Dec | Fourth quarter | ||||||
| 2022 | 2023 | 2022 | 2023 | (NOKm) | 2023 | 2022 | 2023 | 2022 | |
| 565 | 1,195 | 2,494 | 3,678 | Net profit | 3,688 | 2,785 | 1,247 | 768 | |
| Items that will not be reclassified to profit/loss | |||||||||
| 7 | -27 | 177 | -27 | Actuarial gains and losses pensions | -27 | 177 | -27 | 7 | |
| -2 | 7 | -44 | 7 | Tax | 7 | -44 | 7 | -2 | |
| - | - | - | - | Share of other comprehensive income of associates and joint venture | 6 | 4 | 4 | -3 | |
| 5 | -20 | 133 | -20 | Total | -14 | 137 | -16 | 2 | |
| Items that will be reclassified to profit/loss | |||||||||
| - | - | - | - | Fair value change on financial assets through other comprehensive income | - | - | - | - | |
| 6 | -12 | 9 | -5 | Value changes on loans measured at fair value | -5 | 9 | -12 | 6 | |
| - | - | - | - | Share of other comprehensive income of associates and joint venture | -140 | 113 | -92 | -121 | |
| - | - | - | - | Tax | - | - | - | - | |
| 6 | -12 | 9 | -5 | Total | -145 | 122 | -104 | -115 | |
| 11 | -32 | 142 | -25 | Net other comprehensive income | -158 | 259 | -120 | -113 | |
| 576 | 1,163 | 2,636 | 3,653 | Total comprehensive income | 3,530 | 3,044 | 1,127 | 655 | |
| 16 | 38 | 60 | 122 | Attributable to additional Tier 1 Capital holders | 125 | 63 | 40 | 17 | |
| 358 | 751 | 1,647 | 2,359 | Attributable to Equity capital certificate holders | 2,225 | 1,823 | 729 | 384 | |
| 202 | 374 | 929 | 1,173 | Attributable to the saving bank reserve | 1,106 | 1,028 | 362 | 217 | |
| Attributable to non-controlling interests | 74 | 130 | -4 | 37 | |||||
| 576 | 1,163 | 2,636 | 3,653 | Total comprehensive Income | 3,530 | 3,044 | 1,127 | 655 | |
