Q4 – worth noting:
| NII: | |
| Average volume growth: | Q4: 1.1% and FY18: 3.1% |
| End of period volume growth: | Q4: 0.6% and FY18: 3.6% (both FX-adjusted) |
| NIM: | +8 bps to 1.57 |
| Effects from repricing (4. Nov.): | approx. 200mill. |
| Costs: | |
| Non-recurring expenses: | -506 mill (Including depreciations of leasing contracts and systems, impairments and non-recurring fees) |
| Tax expense: | |
| Non-recurring tax income: | +880 mill in (DNB Liv - transitional effects from new tax rules) |
Remember for Q1-19:
| NII: | |
| 2 less interest days: | approx. -160mill |
| Increased Resolution fee: | approx. -85mill |
| Full positive effect from repricing | |
| Net gain on fixed and tangible assets: | |
| From the non-life merger: | Q1 approx. +1.8bn (from non-life merger). And in Q2 Remaining approx. +1.2bn. |