Note 10 - Net interest income

Parent bank   Group
  Second quarter First half   First half Second quarter  
2023 2023 2024 2023 2024 (NOKm) 2024 2023 2024 2023 2023
                     
          Interest income          
887 197 260 380 496 Interest income from loans to and claims on central banks and credit institutions (amortised cost)  199 158 108 81 380
4,716 1,091 1,370 2,072 2,731 Interest income from loans to and claims on customers (amortised cost) 3,293 2,540 1,655 1,333 5,701
3,616 828 1,112 1,554 2,209 Interest income from loans to and claims on customers (FVOCI) 2,209 1,554 1,112 828 3,616
165 39 54 72 104 Interest income from loans to and claims on customers (FVPL) 104 72 54 39 165
1,482 368 392 704 797 Interest income from money market instruments, bonds and other fixed income securities * 793 701 390 367 1,477
- - - - - Other interest income 12 12 6 6 24
10,866 2,524 3,189 4,782 6,336 Total interest income 6,609 5,036 3,326 2,654 11,362
                     
          Interest expense          
559 132 162 258 331 Interest expenses on liabilities to credit institutions  331 258 162 132 559
3,780 874 1,223 1,570 2,389 Interest expenses relating to deposits from and liabilities to customers 2,369 1,556 1,210 867 3,748
2,056 483 558 945 1,100 Interest expenses related to the issuance of securities  1,100 946 558 483 2,057
129 28 44 52 84 Interest expenses on subordinated debt 88 54 46 29 132
9 2 3 4 6 Other interest expenses  28 20 16 10 45
90 23 23 44 47 Guarantee fund levy 47 44 23 23 90
6,622 1,542 2,014 2,873 3,957 Total interest expense 3,963 2,876 2,016 1,544 6,631
                     
4,244 982 1,175 1,908 2,380 Net interest income 2,646 2,160 1,310 1,110 4,732
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* In the second quarter of 2024, a reclassification has been made of interest income from treasury bills which in previous periods had been presented as income from financial instruments. This has increased interest income by NOK 25 million in the second quarter, and NOK 55 million so far in 2024. Comparable figures have been restated.

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