Statement of income - Group

Amounts in NOK million	Note	Q3 2015	Q3 2014	30.09.2015	30.09.2014	2014
STATEMENT OF INCOME - GROUP
Interest income		495	558	1 521	1 679	2 237
Interest costs		218	284	702	868	1 144
Net interest income	9	277	274	819	811	1 093
Commission income and revenues from banking services		52	47	151	134	178
Commission costs and expenditure from banking services		7	8	21	22	29
Other operating income		7	6	20	20	31
Net commission and other operating income		52	45	150	132	180
Dividends		0	2	1	7	7
Net gains/losses from financial instruments	5	-19	105	14	135	128
Net return from financial instruments		-19	107	15	142	135
Total income		310	426	984	1 085	1 408
Wages, salaries etc.		84	82	248	245	324
Administration costs		29	24	93	83	119
Depreciation and impairment		7	6	20	19	25
Other operating costs		26	29	76	81	96
Total operating costs		146	141	437	428	564
Profit before impairment on loans		164	285	547	657	844
Impairment on loans, guarantees etc.	3	10	1	25	15	22
Pre tax profit		154	284	522	642	822
Taxes		43	51	142	146	199
Profit after tax		111	233	380	496	623
Profit per EC (NOK)		5.50	11.65	19.05	24.90	31.20
Diluted earnings per EC (NOK)		5.50	11.65	19.05	24.90	31.20
Distributed dividend per EC (NOK)		0.00	0.00	13.50	8.00	8.00


STATEMENT OF COMPREHENSIVE INCOME - GROUP
Amounts in NOK million		Q3 2015	Q3 2014	30.09.2015	30.09.2014	2014
Profit after tax		111	233	380	496	623
Other income/costs reversed in ordinary profit:
Equities available for sale - changes in value		-2	-87	-2	-8	-13
Other income/costs not reversed in ordinary profit:
Pension estimate deviations		0	0	0	0	-102
Tax effect of pension estimate deviations		0	0	0	0	27
Total comprehensive income after tax		109	146	378	488	535