Baltic Latvia

Full Year
SEK m20152014201320122011201020092008
Net interest income5524656025816466038011,023
Net fee and commission income261168226217207214246202
Net financial income273816714912111032139
Net life insurance income000000
Net other income521-414-13709
Total operating income8928919919619619341,3681,273
Staff costs-202-208-196-201-201-206-237-208
Other expenses-257-269-256-260-263-316-395-383
Depreciation of assets-8-15-26-18-23-33-443-33
Total operating expenses-467-492-478-479-487-555-1,075-624
Profit before credit losses etc425399513482474379293649
Gains less losses from assets0000-5-6-1
Net credit losses-118-180-297-305394-360-3,128-492
Operating profit30721921617786313-2,836157
Cost/Income ratio0.520.550.480.500.510.590.790.49

Quarter20152014201320122011201020092008
SEK mQ4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1
Net interest income126138143145150156156153163149153137144145141151176170152148149145154155142209213237269240241273
Net fee and commission income7366635962605751595757535654565151486048525455535663626560494944
Net financial income7749791019663635303234325135262931332826232695128721210710
Net life insurance income
Net other income028241-31-1-11014-1-10-1-1-121137-4-2-16120
Total operating income206239234213219225223224285243244219242234233252252243240226236228236234231363401373347300299327
Staff costs-53-47-51-51-59-48-52-49-55-47-48-46-54-47-51-49-64-51-53-33-62-48-47-49-52-54-62-69-57-47-54-50
Other expenses-63-64-63-67-68-64-76-61-63-66-64-63-68-56-72-64-76-70-64-53-99-70-67-80-99-90-100-106-96-93-102-92
Depreciation of assets-1-2-3-2-4-4-3-4-16-2-4-4-4-4-5-5-5-6-6-6-10-7-8-8-9-9-415-10-9-8-8-8
Total operating expenses-117-113-117-120-131-116-131-114-134-115-116-113-126-107-128-118-145-127-123-92-171-125-122-137-160-153-577-185-162-148-164-150
Profit before credit losses etc89126117938810992110151128128106116127105134107116117134651031149771210-176188185152135177
Gains less losses from assets00-1-4-5-1-1
Net credit losses-32-39-31-16-83-20-27-50-80-60-66-91-108-70-71-56252157183275109-170-574-586-941-917-684-250-159-46-37
Operating profit578786775896560716862158573478108168270317335212-57-477-516-731-1,093-496-65-789140
Cost/Income ratio0.570.470.500.560.600.520.590.510.470.470.480.520.520.460.550.470.580.520.510.410.720.550.520.590.690.421.440.500.470.490.550.46