Fourth quarter report 2007

Financial highlights

Fourth quarter 2007
• Pre-tax operating profits before write-downs were up 0.9 per cent to NOK 3.6 billion (3.6)
• Profit for the period increased by 49.6 per cent to NOK 5.1 billion (3.4)
• Return on equity was 28.4 per cent (21.5)
• Expenses represented 51.9 per cent of income (50.4)
• The core capital ratio was 7.2 per cent (6.7)

Full year 2007
• Pre-tax operating profits before write-downs were up 7.7 per cent to NOK 15.1 billion (14.1)
• Profit for the year increased by 27.2 per cent to NOK 15 billion (11.8)
• Return on equity was 22 per cent (19.5)
• Expenses represented 50.6 per cent of income (50.1)
• The core capital ratio was 7.2 per cent (6.7)
• Earnings per share were NOK 11.08 (8.74)
• The proposed divided per share is NOK 4.50 (4.00)