Life

Full Year
SEK m201520142013201220112010200920082007
Net interest income-41-46-55-86-33-11-18-36-28
Net fee and commission income00000
Net financial income00000
Net life insurance income4,9864,8334,6454,7074,5044,5504,4433,2963,958
Net other income00000
Total operating income4,9454,7874,5904,6214,4714,5394,4253,2603,930
Staff costs-1,212-1,225-1,186-1,214-1,193-1,123-1,107-1,105-1,050
Other expenses-514-508-577-537-536-589-536-523-530
Depreciation of assets-1,021-988-935-890-785-690-667-569-548
Total operating expenses-2,747-2,721-2,698-2,641-2,514-2,402-2,310-2,197-2,128
Profit before credit losses etc2,1982,0661,8921,9801,9572,1372,1151,0631,802
Gains less losses from assets0
Net credit losses0
Operating profit*2,1982,0661,8921,9801,9572,1372,1151,0631,802
0
Change in surplus values-15-312-2896711,1881,0451,0679891,273
0
Business result2,1831,7541,6032,6513,1453,1823,1822,0523,075
Cost/Income ratio0.560.570.590.570.560.530.520.670.54
Business equity, SEK bn8.448.448.226.506.406.006.807.507.50
Return on equity after tax, %
  based on operating profit22.6721.9020.0226.5026.9131.3027.3712.4721.14
*Consolidated in the Group accounts

Quarter201520142013201220112010200920082007
SEK mQ4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1
Net interest income-11-10-10-10-11-12-11-12-9-10-18-18-18-20-24-24-7-8-10-8-5-2-2-2-1-2-5-10-4-3-13-16-7-6-6-9
Net fee and commission income
Net financial income
Net life insurance income1,3201,1151,1741,3771,2181,2201,2081,1871,2481,1551,0241,2181,1491,1791,1401,2391,2539881,1251,1381,1061,1431,1151,1861,1451,1071,1481,0437397208839541,0311,039907981
Net other income
Total operating income1,3091,1051,1641,3671,2071,2081,1971,1751,2391,1451,0061,2001,1311,1591,1161,2151,2469801,1151,1301,1011,1411,1131,1841,1441,1051,1431,0337357178709381,0241,033901972
Staff costs-298-294-303-317-312-302-311-300-300-297-289-300-305-294-307-308-307-289-305-292-278-276-287-282-263-271-299-274-292-266-285-262-284-249-263-254
Other expenses-146-124-141-103-141-130-141-96-149-131-151-146-128-137-136-136-153-137-111-135-140-150-152-147-144-120-146-126-117-126-132-148-121-149-130-130
Depreciation of assets-267-253-256-245-265-245-250-228-239-229-236-231-209-224-228-229-203-198-192-192-176-169-172-173-167-158-177-165-115-149-145-160-144-134-140-130
Total operating expenses-711-671-700-665-718-677-702-624-688-657-676-677-642-655-671-673-663-624-608-619-594-595-611-602-574-549-622-565-524-541-562-570-549-532-533-514
Profit before credit losses etc598434464702489531495551551488330523489504445542583356507511507546502582570556521468211176308368475501368458
Gains less losses from assets0
Net credit losses0
Operating profit*598434464702489531495551551488330523489504445542583356507511507546502582570556521468211176308368475501368458
Change in surplus values-1089393-93-5458-1-111-23633-1,207-2891151483258339921754527294376180195166216403282380132227250431275323244
Business result490527557609435589494440315521-8772346046527706259825731,052538801922682777736772924750591308535618906776691702
Cost/Income ratio0.540.610.600.490.590.560.590.530.560.570.670.560.570.570.600.550.530.640.550.550.540.520.550.510.500.500.540.550.710.750.650.610.540.520.590.53
Business equity, SEK bn8.408.408.408.408.228.228.228.228.228.228.226.506.506.506.506.406.406.406.406.006.006.006.006.806.806.806.807.507.507.507.507.507.507.507.50
Return on business equity, per cent
  -isolated in the quarter24.6717.9119.1429.0020.6922.4720.9523.3223.3220.6513.9722.1426.1826.9823.8229.0232.0719.5827.8928.1129.6932.0329.5134.1428.7826.9724.239.908.2614.4617.2722.2923.5117.2721.50
*Consolidated in the Group accounts