Statement of income - Group

Amounts in NOK million	Note	Q4 2015	Q4 2014	2015	2014
STATEMENT OF INCOME - GROUP
Interest income		473	558	1 994	2 237
Interest costs		194	276	896	1 144
Net interest income	9	279	282	1 098	1 093
Commission income and revenues from banking services		45	44	196	178
Commission costs and expenditure from banking services		7	7	28	29
Other operating income		5	11	25	31
Net commission and other operating income		43	48	193	180
Dividends		1	0	2	7
Net gains/losses from financial instruments	5	-4	-7	10	128
Net return from financial instruments		-3	-7	12	135
Total income		319	323	1 303	1 408
Wages, salaries etc.		61	79	309	324
Administration costs		26	36	119	119
Depreciation and impairment		9	6	29	25
Other operating costs		28	15	104	96
Total operating costs		124	136	561	564
Profit before impairment on loans		195	187	742	844
Impairment on loans, guarantees etc.	3	25	7	50	22
Pre tax profit		170	180	692	822
Taxes		47	53	189	199
Profit after tax		123	127	503	623
Profit per EC (NOK)		6.20	6.40	25.25	31.20
Diluted earnings per EC (NOK)		6.20	6.40	25.25	31.20
Distributed dividend per EC (NOK)		0.00	0.00	13.50	8.00


STATEMENT OF COMPREHENSIVE INCOME - GROUP
Amounts in NOK million		Q4 2015	Q4 2014	2015	2014
Profit after tax		123	127	503	623
Other income/costs reversed in ordinary profit:
Equities available for sale - changes in value		50	-5	48	-13
Other income/costs not reversed in ordinary profit:
Pension estimate deviations		-9	-102	-9	-102
Tax effect of pension estimate deviations		-2	27	-2	27
Total comprehensive income after tax		162	47	540	535