Profit performance - Group

Amounts in NOK million	Q4 2015	Q3 2015	Q2 2015	Q1 2015	Q4 2014
QUARTERLY PROFIT
Net interest income	279	277	269	273	282
Other operating income	40	33	65	67	41
Total operating costs	124	146	144	147	136
Profit before impairment on loans	195	164	190	193	187
Impairment on loans, guarantees etc.	25	10	7	8	7
Pre tax profit	170	154	183	185	180
Tax	48	43	49	50	53
Profit after tax	122	111	134	135	127

As a percentage of average assets
Net interest income	1.87	1.90	1.89	1.93	2.03
Other operating income	0.25	0.22	0.46	0.47	0.29
Total operating costs	0.82	1.00	1.01	1.04	0.98
Profit before impairment on loans	1.30	1.12	1.34	1.36	1.34
Impairment on loans, guarantees etc.	0.17	0.07	0.05	0.06	0.05
Pre tax profit	1.13	1.05	1.29	1.30	1.29
Tax	0.31	0.29	0.34	0.35	0.38
Profit after tax	0.82	0.76	0.95	0.95	0.91