Profit performance

QUARTERLY PROFIT (NOK million)	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024
Net interest income	87	86	72	67	72
Other operating income	0	-11	1	0	-5
Total operating expenses	16	17	17	17	14
Profit before impairment on loans	71	58	56	50	53
Impairment on loans	1	3	1	0	-1
Pre-tax profit	70	55	55	50	54
Taxes	16	12	12	11	12
Profit after tax	54	43	43	39	42

As a percentage of average assets:
Net interest income	0.85	0.90	0.78	0.71	0.82
Other operating income	0.00	-0.12	0.01	0.00	-0.05
Total operating expenses	0.16	0.17	0.18	0.18	0.15
Profit before impairment on loans	0.69	0.61	0.61	0.53	0.62
Impairment on loans	0.01	0.03	0.01	-0.01	0.00
Pre-tax profit	0.68	0.58	0.60	0.54	0.62
Taxes	0.15	0.13	0.13	0.12	0.14
Profit after tax	0.53	0.45	0.47	0.42	0.48

Average total assets (NOK million)	40 873	38 055	37 184	37 918	34 771

ACCUMULATED PROFIT FOR THE YEAR (NOK million)	30.09.2025	30.09.2024	31.12.2024
Net interest income	245	216	283
Other operating income	-10	-12	-12
Total operating expenses	50	43	60
Profit before impairment on loans	185	161	211
Impairment on loans	5	-6	-6
Pre-tax profit	180	167	217
Taxes	40	37	48
Profit after tax	140	130	169

As a percentage of average assets:
Net interest income	0.85	0.83	0.79
Other operating income	-0.04	-0.05	-0.03
Total operating expenses	0.17	0.16	0.17
Profit before impairment on loans	0.64	0.62	0.59
Impairment on loans	0.02	-0.02	-0.02
Pre-tax profit	0.62	0.64	0.61
Taxes	0.14	0.14	0.14
Profit after tax	0.48	0.50	0.47

Average total assets (NOK million)	38 704	34 946	35 689