Income statement

Parent Bank				Group
2012	2013	(NOK million)	Notes	2013	2012

3,904	4,092	Interest income	4,20	4,118	3,928
2,532	2,604	Interest expenses	4,20	2,502	2,451
1,373	1,487	Net interest income		1,616	1,477

707	970	Fee and commission income	4,21	1,230	968
86	81	Fee and commission expenses	4,21	94	96
51	57	Other operating income	4,21	327	267
672	946	Net fee and commission income and other operating income		1,463	1,139

290	371	Dividends	22,43	41	12
-	-	Income from associates and joint ventures	23,39	355	244
205	176	Net return on financial investments	22	106	195
495	547	Net return on financial investments		502	451

2,540	2,981	Total income		3,580	3,067

618	587	Staff costs	23,24,25	914	924
587	611	Other operating expenses	24,33	807	730
1,206	1,197	Operating expenses		1,722	1,654

1,334	1,783	Result before losses		1,859	1,414

51	82	Loss on loans, guarantees etc.	11	101	58
1,283	1,701	Profit before income tax		1,758	1,355

262	358	Tax charge	26	388	295
4	6	Result investment held for sale, after tax		30	16
1,025	1,348	Profit for the year		1,400	1,077

		Majority share		1,390	1,068
		Minority interests		10	9

		Profit per ECC, in NOK		6.97	5.25
		Diluted profit per ECC, in NOK		6.92	5.21

Other comprehensive income

Parent Bank			Group
2012	2013	(NOK million)	2013	2012
1,025	1,348	Net profit	1,400	1,077

		Items that will not be reclassified to profit/loss
160	-9	Actuarial gains and losses pensions	-11	169
-45	3	Tax	3	-47
-	-	Share of other comprehensive income of associates and joint venture	11	-
115	-7	Total	3	121

		Items that will be reclassified to profit/loss
-	-	Available-for-sale financial assets	-6	12
-	-	Share of other comprehensive income of associates and joint venture	14	10
-	-	Total	8	22
1,140	1,342	Total other comprehensive income	1,411	1,220
		Majority share of comprehensive income	1,401	1,090
		Minority interest of comprehensive income	10	9