Baltic

Full Year
SEK m20152014201320122011201020092008
Net interest income2,0052,2031,9921,9702,1621,9232,6923,555
Net fee and commission income1,1151,0659849198899641,042948
Net financial income241295449423365401733150
Net life insurance income000
Net other income29-32-32-11-335250130
Total operating income3,3903,5313,3933,3013,3833,3404,5174,783
Staff costs-729-704-650-681-701-728-844-743
Other expenses-967-965-992-1,080-1,119-1,177-1,448-1,228
Depreciation of assets-69-93-106-280-133-296-2,395-86
Total operating expenses-1,765-1,762-1,748-2,041-1,953-2,201-4,687-2,057
Profit before credit losses etc1,6251,7691,6451,2601,4301,139-1702,726
Gains less losses from assets-216-1074092-5-16
Net credit losses-128-217-405-3511,485-873-9,569-1,709
Operating profit1,2811,4451,2809182,917261-9,7551,017
Cost/Income ratio0.520.500.520.620.580.661.040.43
Business equity, SEK bn7.938.898.848.858.7611.8011.8010.80
Return on business equity, %14.3914.4612.899.7229.652.20neg8.20

Quarter20152014201320122011201020092008
SEK mQ4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1
Net interest income472513505515544569558532529526487450461482508519571562524505492454471506551645713783923889846897
Net fee and commission income292283276264282276261246262248243231246233230210223218239209235251250228250254275263242237248221
Net financial income5547538673747375161981108099103109112105928880606914113112820421318845383235
Net life insurance income00000
Net other income-22117-7-7-8-11-6-12-5-11-4-3-43-7-11-5-12-511289458-6-864112698
Total operating income8178648518588929118818479408678297578038148508348888678397897988028718699871,0971,1931,2401,2511,1761,1951,161
Staff costs-187-181-182-179-192-173-175-164-176-161-158-155-172-162-175-172-191-177-187-146-163-177-182-206-152-202-227-263-174-191-193-185
Other expenses-235-244-246-242-268-234-227-236-271-241-240-240-319-250-259-252-324-279-265-251-290-292-289-306-465-306-345-332-330-301-316-281
Depreciation of assets-16-18-16-19-24-23-22-24-40-22-22-22-183-32-32-33-34-34-33-32-235-20-20-21-23-16-2,329-27-23-21-21-21
Total operating expenses-438-443-444-440-484-430-424-424-487-424-420-417-674-444-466-457-549-490-485-429-688-489-491-533-640-524-2,901-622-527-513-530-487
Profit before credit losses etc379421407418408481457423453443409340129370384377339377354360110313380336347573-1,708618724663665674
Gains less losses from assets-77-55-8-76-82-21-1284151110152111-22-4-1-164-620
Net credit losses-39-56-429-103-39-4-71-163-66-78-98-149-70-108-2432202679572736273-451-1,431-2,584-2,641-2,641-1,703-853-353-283-220
Operating profit263310357351223421441360294392342252-193052783543725801,031934842586-72-1,095-2,253-2,064-4,355-1,083-129310382454
Cost/Income ratio0.540.510.520.510.540.470.480.500.520.490.510.550.840.550.550.550.620.570.580.540.860.610.560.610.650.482.430.500.420.440.440.42
Business equity, SEK bn7.527.757.898.508.308.889.199.198.518.529.079.478.938.478.759.098.788.578.658.9911.8011.8011.8011.8011.8011.8011.8011.8010.8010.8010.8010.80
Return on business equity, %12.4514.2416.1114.609.5716.8717.1013.9512.3016.3713.439.47neg13.0411.8014.3615.6024.4342.3236.2220.5514.30-1.76-26.73-54.99-50.38-106.29-26.43-3.448.2710.1912.11