Profit performance - Group

QUARTERLY PROFIT
(NOK million)	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024
Net interest income	511	515	503	485	522
Other operating income *)	102	98	100	82	67
Total operating expenses *)	244	251	252	252	235
Profit before impairment on loans	369	362	351	315	354
Impairment on loans, guarantees etc.	-24	24	34	13	21
Pre-tax profit	393	338	317	302	333
Taxes	96	80	74	70	82
Profit after tax	297	258	243	232	251

As a percentage of average assets
Net interest income	1.90	1.88	1.90	1.87	2.04
Other operating income *)	0.38	0.36	0.37	0.32	0.26
Total operating expenses *)	0.91	0.91	0.95	0.98	0.92
Profit before impairment on loans	1.37	1.33	1.32	1.21	1.38
Impairment on loans, guarantees etc.	-0.09	0.09	0.13	0.05	0.08
Pre-tax profit	1.46	1.24	1.19	1.16	1.30
Taxes	0.36	0.29	0.27	0.27	0.32
Profit after tax	1.10	0.95	0.92	0.89	0.98
*) A reclassification from operating income to operating expenses has resulted in reduced total other operating income and total operating expenses by NOK 6 million for the period from Q1 to Q3 2025. The percentage of average assets has been adjusted accordingly.