Note 4 Income Amounts in NOK million 2022 2021 Interest income from loans to customers 895.5 964.9 of which sales commissions to agents -130.3 -138.7 Interest income from loans and deposits with credit institutions 11.5 0.5 Total interest income calculated using the effective interest rate method 907.0 965.5 Other interest income and similar income - 0.0 Total other interest income - 0.0 Total interest income 907.0 965.5 Interest expense from deposit customers -68.9 -52.6 Interest expense from subordinated loans and senior unsecured bond -4.7 -4.3 Other interest expenses and similar expenses -40.2 -24.9 Total interest expenses -113.7 -81.8 Net interest income 793.3 883.7 Insurance services 32.2 35.3 Other commission income and fees 20.9 16.2 Total commission income and fees 53.0 51.6 Provisions to other bank connections -4.3 -5.2 Other commission expenses and fees -39.0 -57.7 Commission expenses and fees -43.3 -62.9 Net commissions and fees 9.8 -11.3 Net gain/(loss) on certificates and bonds -1.9 -2.5 Net currency gain/(loss) -0.2 6.5 Net gains/(losses) on certificates, bonds and currency -2.1 4.0 Total income 800.9 876.4 Komplett Bank / Annual Report 2022 59
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