Profit performance - Group

QUARTERLY PROFIT
(NOK million)	Q3 2025	Q2 2025	Q1 2025	Q4 2024	Q3 2024
Net interest income	515	503	485	522	523
Other operating income	98	100	82	67	103
Total operating costs	251	252	252	235	243
Profit before impairment on loans	362	351	315	354	383
Impairment on loans, guarantees etc.	24	34	13	21	17
Pre-tax profit	338	317	302	333	366
Taxes	80	74	70	82	86
Profit after tax	258	243	232	251	280

As a percentage of average assets
Net interest income	1.88	1.90	1.87	2.04	2.08
Other operating income	0.36	0.37	0.32	0.26	0.41
Total operating costs	0.91	0.95	0.98	0.92	0.96
Profit before impairment on loans	1.33	1.32	1.21	1.38	1.53
Impairment on loans, guarantees etc.	0.09	0.13	0.05	0.08	0.07
Pre-tax profit	1.24	1.19	1.16	1.30	1.46
Taxes	0.29	0.27	0.27	0.32	0.35
Profit after tax	0.95	0.92	0.89	0.98	1.11