Norway Yearbook - 2003

Financial intermediation
Commercial banks mcl. Postal Bank. Profit and loss account. Million kroner
Source: Central Bank of Niorway. More information: http://ww.ssb.no/finansjnst_eril and http://wwnorges-bank.no/english/
5 36
1997 1998 1999 2000 2001 2002*
Interest income and credit commissions on loans 25 025 34229 37 923 39228 46 985 48387
Other interest income 6784 7452 10 158 12 706 14490 14786
Interest on deposits from customers 12733 17902 21 203 21 901 28760 29526
Other interest expenses 7004 10655 13159 16606 17686 17033
Premiumtoguaranteefund 399 442 437 514 539 618
Net interest income 11673 12683 13243 12914 14490 15996
Other operating revenue
Dividens 350 670 1 434 1 553 1 486 464
Net profit/loss on securities 340 -821 863 465 410 -18
Net profit/loss on foreign exchange and financial
instruments 1 353 1 944 1 376 1 945 1 360 1135
Commissions and fees 4491 4588 4809 5020 5 589 5 597
Other operating revenue 613 703 600 2074 2043 1 086
Other operating expenses
Personal expenses 6568 7008 7893 7702 8 153 8040
Depreciations 693 750 765 797 898 925
Value adjustments on non-financial assets . 53 91 75 169 72 20
Other operating expenses 6495 6551 5809 6 501 7347 7 555
Operating profit before losses and value
adjustments 5011 5368 7783 8800 8907 7721
Losses and value adjustments
Value adjustments (Ire-value adjustments) on
financial assets 10 -167 -6 0 509 516
Loss/profit on financial assets -22 -10 -51 -70 -56 -890
Losses on short-term and long-term securities. . 0 32 - - 30
Net loss ori loans and guarantees -446 833 206 878 2 451 4368
Operating profit 5470 4680 7 634 7 992 6002 3697
Net extraordinary items -28 42 -10 242 39 -1
Taxes 385 315 1234 1797 244 1382
Profit/loss 5057 4407 9389 6437 5797 2314
Commercial banks mcl. Postal Bank. Balance sheet by financial instrument per
31 December. Million kroner
19971998 1999 2000 2001 2002*
Assets
Notes and coins 1 598 1 630 1 820 1 783 2 219 1 972
Deposits 31449 35265 57511 70471 67165 84605
Commercial papers and treasury bills 33 575 20505 24972 16440 17384 16039
Bonds 40572 51483 38230 50425 54582 56289
Shares and primary capital certificates 15 543 16431 20948 18 158 19351 16 513
Loans1 (utilized) 468 745 524 763 533 252 598 400 624 516 657 849
Gross loans 474 272 528 468 536 528 601 688 629 228 665 348
-Specified provisions on loans -5527 -3705 -3276 -3288 -4712 -7499
-Unspecified provisions on loans -3212 -4 134 -3953 -3918 -4310 -4362
Other financial assets 22317 26991 29852 35200 38707 32358
Other assets 6783 6633 6647 6429 6637 8353
Total 617370 679567 709280 793388 826250 887913
Liabilities
Deposits 429208 432961 456699 506299 535247 597888
Commercial papers 25865 31 208 27 268 38418 37450 34462
Bond loans 86380 120935 111 309 128561 135322 127223
Other loans 13664 19627 35055 29771 21037 10542
Other liabilities 25674 35343 33 743 37497 47 533 65602
Share capital/primary capital certificate funds . . 17010 17454 15042 15856 16208 16900
Funds and other appropriations 19569 22040 30 163 30475 33453 33723
Receipts (net) - - - 6510 1 573
Total 617370 679567 709280 793388 826250 887913
Specifications
Claimsonforeigndebtors 61431 81450 89933 124618 120148 107323
Debts to foreign creditors 150 072 179 848 186 987 239 851 256 431 270 670
1Loans after specified provisions.
Source: Central Bank of Norway. More information: http://w.ssb.no/finansinst_en/ and http:/Mv.norges-bank.no/engIish/
420 Statistical Yearbook of Norway 2003