Profit performance - Group

QUARTERLY PROFIT
(NOK million)	Q3 2019	Q2 2019	Q1 2019	Q4 2018	Q3 2018
Net interest income	351	320	304	309	290
Other operating income	63	78	77	56	61
Total operating costs	161	160	157	152	152
Profit before impairment on loans	253	238	224	213	199
Impairment on loans, guarantees etc.	16	6	13	12	7
Pre-tax profit	237	232	211	201	192
Tax	57	53	49	60	43
Profit after tax	180	179	162	141	149

As a percentage of average assets
Net interest income	1.91	1.75	1.69	1.76	1.63
Other operating income	0.34	0.43	0.43	0.32	0.35
Total operating costs	0.87	0.88	0.87	0.86	0.86
Profit before impairment on loans	1.38	1.30	1.25	1.22	1.12
Impairment on loans, guarantees etc.	0.09	0.03	0.07	0.07	0.04
Pre-tax profit	1.29	1.27	1.18	1.15	1.08
Tax	0.31	0.29	0.26	0.34	0.24
Profit after tax	0.98	0.98	0.92	0.81	0.84