Note 4 Income Amounts in NOK million 2021 2020 Interest income from loans to customers 1 964.9 1,209.4 Interest income from loans and deposits with credit institutions 0.5 4.4 Total interest income calculated using the effective interest rate method 965.5 1,213.7 Other interest income and similar income 0.0 0.2 Total other interest income 0.0 0.2 Total interest income 965.5 1,213.9 Interest expense from deposit customers -52.6 -109.7 Interest expense from subordinated loans and senior unsecured bond -4.3 -4.0 Other interest expenses and similar expenses -24.9 -31.1 Total interest expenses -81.8 -144.8 Net interest income 883.7 1,069.1 Insurance services 35.3 48.5 Other commission income and fees 1 16.2 20.6 Total commission income and fees 51.6 69.0 Provisions to other bank connections -5.2 -6.0 Other commission expenses and fees -57.7 -43.2 Commission expenses and fees -62.9 -49.3 Net commissions and fees -11.3 19.7 Net gain/(loss) on certificates and bonds -2.5 16.8 Net currency gain/(loss) 6.5 -5.2 Net gains/(losses) on certificates, bonds and currency 4.0 11.6 Total income 876.4 1,100.4 1 2020 figures have been restated, see note 23 58 Notes to the financial statements
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