Statement of income - Group

Amounts in NOK million	Note	Q3 2016	Q3 2015	30.09.2016	30.09.2015	2015
STATEMENT OF INCOME - GROUP
Interest income		444	495	1 335	1 521	1 994
Interest costs		166	212	532	708	896
Net interest income	9	278	283	803	813	1 098
Commission income and revenues from banking services		50	52	142	151	196
Commission costs and expenditure from banking services		7	7	21	21	28
Other operating income		6	7	16	20	25
Net commission and other operating income		49	52	137	150	193
Dividends		0	0	1	1	2
Net gains/losses from financial instruments	5	25	-19	98	14	10
Net return from financial instruments		25	-19	99	15	12
Total income		352	316	1 039	978	1 303
Wages, salaries etc.		84	84	249	248	309
Administration costs		30	29	95	93	119
Depreciation and impairment		8	7	23	20	29
Other operating costs		26	26	76	76	104
Total operating costs		148	146	443	437	561
Profit before impairment on loans		204	170	596	541	742
Impairment on loans, guarantees etc.	3	5	10	0	25	50
Pre tax profit		199	160	596	516	692
Taxes		47	46	138	141	189
Profit after tax		152	114	458	375	503
Profit per EC (NOK)		7,60	5,70	22,95	18,80	25,25
Diluted earnings per EC (NOK)		7,60	5,70	22,95	18,80	25,25
Distributed dividend per EC (NOK)		0,00	0,00	11,50	13,50	13,50


STATEMENT OF COMPREHENSIVE INCOME - GROUP
Amounts in NOK million		Q3 2016	Q3 2015	30.09.2016	30.09.2015	2015
Profit after tax		152	114	458	375	503
Other income/costs reversed in ordinary profit:
Equities available for sale - changes in value		-3	-2	-41	-2	48
Other income/costs not reversed in ordinary profit:
Pension estimate deviations		0	0	0	0	-9
Tax effect of pension estimate deviations		0	0	0	0	-2
Total comprehensive income after tax		149	112	417	373	540