Net interest and credit commission income – Q3 2026

Note 4 Net interest and credit commission income

PARENT BANK										GROUP
2025	01.01- 30.09.25	01.01- 30.09.26	Q3 25	Q3 26		Q3 26	Q3 25	01.01- 30.09.26	01.01- 30.09.25	2025
1,109	870	886	295	405	Interest and similar income from loans to and receivables from credit institutions valued at amortised cost	108	65	196	183	259
11,666	8,302	10,220	3,348	3,507	Interest and similar income from loans to and receivables from customers valued at amortised cost	7,187	6,746	20,485	16,508	23,204
679	499	492	192	167	Interest and similar income from loans to and receivables from customers valued at fair value	322	378	948	1,097	1,440
2,855	2,051	2,434	863	895	Interest and similar income from commercial papers, bonds and other interest-bearing securities	752	887	2,159	2,209	3,046
16,310	11,722	14,032	4,697	4,974	Interest income and similar income	8,369	8,077	23,789	19,997	27,949
559	410	568	183	229	Interest and similar expenses on debt to credit institutions	7	90	51	225	308
6,343	4,620	5,204	1,825	1,832	Interest and similar expenses on deposits from and liabilities to customers	1,829	1,775	5,179	4,494	6,171
2,174	1,537	2,060	623	759	Interest and similar expenses on issued securities	3,728	3,323	10,309	8,302	11,622
264	188	241	77	84	Interest and similar expenses on subordinated loan capital	84	77	241	188	264
19	13	19	5	6	Other interest expenses etc.¹⁾	11	10	35	21	31
122	88	114	34	38	Fee Norwegian Banks' Guarantee Fund	47	42	140	109	151
9,481	6,856	8,206	2,747	2,948	Interest expenses and similar expenses	5,706	5,317	15,955	13,340	18,548
6,829	4,866	5,825	1,950	2,026	Net interest and credit commission income	2,664	2,760	7,833	6,658	9,400
1) Interest from derivatives entered into to manage the interest rate risk attached to the bank's ordinary portfolios is classified as interest income and recognised as an adjustment of the bank's other interest income/ interest expenses.

Q3 2026Unaudited

Note 4 Net interest and credit commission income