Baltic Lithuania

Full Year
SEK m20152014201320122011201020092008
Net interest income7318257196947677349601,592
Net fee and commission income468487461426399443457418
Net financial income16320822820818223728670
Net life insurance income000000
Net other income-3-3-40-8291836
Total operating income1,3591,5171,4041,3281,3401,4431,7212,116
Staff costs-283-266-243-268-274-271-359-319
Other expenses-412-408-444-527-529-505-566-505
Depreciation of assets-43-44-42-220-84-243-1,257-33
Total operating expenses-738-718-729-1,015-887-1,019-2,182-857
Profit before credit losses etc621799675313453424-4611,259
Gains less losses from assets150000-17
Net credit losses-46-52-140-63867-426-5,245-709
Operating profit5767525352501,320-2-5,723550
Cost/Income ratio0.540.470.520.760.660.711.270.41

Quarter20152014201320122011201020092008
SEK mQ4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1
Net interest income180189179183202218205200186197174162166168178182200196189182193171175195206207257290399400381412
Net fee and commission income1221201181081251241221161211171121111161101049610610297941091211159811210512411610710911092
Net financial income3229366655595341884853395153614349504538323191836772588920181616
Net life insurance income
Net other income-1-1-1-1-1-1-10-2-2-2-14-15-3-8-21254-16570141066
Total operating income334337332356382400379356395362337310331330347320360345323312335348385375391389446495540537513526
Staff costs-74-73-68-68-72-67-66-61-65-61-59-58-67-63-69-69-78-66-72-58-57-68-73-73-70-81-97-111-62-89-88-80
Other expenses-98-106-107-101-130-102-71-105-130-106-105-103-181-121-112-113-169-126-117-117-120-134-132-119-155-125-157-129-143-127-121-114
Depreciation of assets-10-11-11-11-11-11-11-11-11-10-10-11-165-17-18-20-21-21-21-21-218-8-8-9-7-4-1,235-11-9-8-8-8
Total operating expenses-182-190-186-180-213-180-148-177-206-177-174-172-413-201-199-202-268-213-210-196-395-210-213-201-232-210-1,489-251-214-224-217-202
Profit before credit losses etc152147146176169220231179189185163138-8212914811892132113116-60138172174159179-1,043244326313296324
Gains less losses from assets150000000-162-520
Net credit losses-28-6-10-2-36-728-37-916-20-35-4520-38886401372298154-173-705-1,701-1,488-1,270-786-524-134-34-17
Operating profit12414113717413821325914298191143103-127149110118100218514488238292-1-531-1,558-1,307-2,318-540-198179262307
Cost/Income ratio0.540.560.560.510.560.450.390.500.520.490.520.551.250.610.570.630.740.620.650.631.180.600.550.540.590.543.340.510.400.420.420.38