Ársskýrsla Landsbankans - Landsbankinn
Ársskýrsla Landsbankans - Landsbankinn
Ársskýrsla Landsbankans - Landsbankinn
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Notes to the Consolidated Financial Statements<br />
Notes to the Consolidated Income Statement<br />
24. Net interest income<br />
Interest income 2010 2009<br />
Cash and balances with Central Bank 3,424 3,344<br />
Bonds and debt instruments classified as loans and receivables 6,643 -<br />
Loans and advances to financial institutions 1,290 1,749<br />
Loans and advances to customers 49,644 58,518<br />
Unpaid capital contribution - 17,796<br />
Other interest income 60 69<br />
Total 61,060 81,476<br />
Interest expense<br />
Due to financial institutions and Central Bank (4,901) (10,243)<br />
Deposits from customers (18,897) (43,005)<br />
Provisional liability due to Landsbanki Íslands hf. - (13,148)<br />
Secured bonds (12,464) (445)<br />
Other interest expense (113) (61)<br />
Total (36,374) (66,902)<br />
Net interest income 24,685 14,574<br />
Interest spread (as the ratio of net interest income to the average carrying amount of total assets during<br />
the year)<br />
Adjusted interest spread (as the ratio of net interest income after adjustment in valuation to the average<br />
carrying amount of total assets during the year)<br />
Interest income accrued on impaired financial assets amounted to ISK 0 million in 2010 (2009: ISK 124 million).<br />
2.3% 1.4%<br />
2.4% 2.1%<br />
Total interest income recognised in respect of financial assets not carried at fair value through profit or loss amounts to ISK 61,060 million (2009:<br />
ISK 63,680 million). Total interest expense recognised in respect of financial liabilities not carried at fair value through profit or loss amounts to ISK<br />
36,374 million (2009: ISK 53,754 million).<br />
25. Net valuation change in loans and advanses<br />
2010 2009<br />
Net adjustments to loans and advances acquired at deep discount 49,702 23,772<br />
Loss from foreign currency linkage of loans and advances to customers (18,158) -<br />
Net impairment loss on loans and advances (14,636) (6,577)<br />
Total 16,909 17,195<br />
Individuals (6,485) 5,831<br />
Corporations 23,394 11,364<br />
Total 16,909 17,195<br />
NBI hf. Consolidated Financial Statements 2010 40<br />
All amounts are in ISK million<br />
140 Ársreikningur 2010 Allar upphæðir eru í milljónum króna
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