Income statement

Parent Bank				Group
2013	2014	(NOK million)	Notes	2014	2013

4,092	4,223	Interest income	4,20	4,265	4,118
2,604	2,578	Interest expenses	4,20	2,475	2,502
1,487	1,644	Net interest income		1,790	1,616

970	1,031	Fee and commission income	4,21	1,281	1,230
81	104	Fee and commission expenses	4,21	113	94
57	47	Other operating income	4,21	344	327
946	973	Net fee and commission income and other operating income		1,512	1,463

371	311	Dividends	22,43	65	41
-	-	Income from associates and joint ventures	22,39	527	355
176	197	Net return on financial investments	22	128	106
547	508	Net return on financial investments		720	502

2,981	3,125	Total income		4,021	3,580

592	645	Staff costs	23,24,25	1,002	923
605	620	Other operating expenses	24,33	787	798
1,197	1,265	Operating expenses		1,789	1,721

1,783	1,860	Result before losses		2,232	1,859

82	83	Loss on loans, guarantees etc.	11	89	101
1,701	1,777	Profit before income tax		2,143	1,758

358	330	Tax charge	26	362	388
6	-	Result investment held for sale, after tax		0	30
1,348	1,447	Profit for the year		1,782	1,400

		Majority share		1,772	1,390
		Minority interests		10	10

		Profit per ECC, in NOK		8.87	6.97
		Diluted profit per ECC, in NOK		8.82	6.92

Other comprehensive income

Parent Bank			Group
2013	2014	(NOK million)	2014	2013
1,348	1,447	Net profit	1,782	1,400

		Items that will not be reclassified to profit/loss
-9	-111	Actuarial gains and losses pensions	-117	-11
3	29	Tax	31	3
-	-	Share of other comprehensive income of associates and joint venture	-9	11
-7	-82	Total	-94	3

		Items that will be reclassified to profit/loss
-	-	Available-for-sale financial assets	-2	-6
-	-	Share of other comprehensive income of associates and joint venture	0	14
-	-	Tax	-	-
-	-	Total	-2	8
1,342	1,365	Total other comprehensive income	1,685	1,411
		Majority share of comprehensive income	1,676	1,401
		Minority interest of comprehensive income	10	10
Other comprehensive income comprise items reflected directly in equity capital that are not transactions with owners, cf. IAS 1.