Merchant Banking Corporate Banking

Full Year
SEK m201520142013201220112010200920082007
Net interest income5,9505,9665,3974,3414,4254,4514,5274,0553,507
Net fee and commission income2,6333,1782,9862,3472,2482,1932,1281,3921,710
Net financial income-104-182-108-172-132-186-350-28236
Net life insurance income000000000
Net other income44277535325555126189529474
Total operating income8,9219,7378,6286,7717,0926,7196,3945,6945,727
Staff costs-1,620-1,619-1,674-1,385-1,713-1,904
Other expenses-1,099-1,181-1,122-963-778-634
Depreciation of assets-54-80-102-57-55-49
Total operating expenses-2,773-2,880-2,898-2,405-2,546-2,587
Profit before credit losses etc3,9984,2123,8213,9893,1483,140
Gains less losses from assets-1028-153
Net credit losses-145-266-203-782-585-236
Operating profit3,8523,9463,6463,2062,5682,907
Cost/Income ratio0.410.410.430.380.450.45

Quarter201520142013201220112010200920082007
SEK mQ4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1
Net interest income1,4591,4931,4811,5171,4641,5521,5271,4231,4521,4181,2881,2391,1131,0991,0661,0631,1681,1531,0671,0371,1401,1481,0911,0721,1371,1711,0961,1231,2691,031884871918856884849
Net fee and commission income7095277636341,031596819732784931781490744449615539582549645472681571560381648456626398402395279316303347532528
Net financial income-35-29-433-120-58-3632-19-40-13-36-64-45-6-57-6117-52-36-66-27-57-36-59-86-71-134-207-12629223722-9-14
Net life insurance income
Net other income2308869558963147886186774-141085710421618912125143384139-2231522838667502617012314734
Total operating income2,3632,0792,2702,2092,4642,7212,3572,1952,3032,4952,1331,6971,7791,6111,7321,6491,9051,9081,7811,4981,8981,7301,6351,4561,7041,5721,7031,4151,8501,3671,2421,2351,4281,3481,5541,397
Staff costs-415-388-403-414-358-410-407-444-467-349-456-402-197-301-448-439-420-384-482-427-464-421-518-501
Other expenses-267-262-272-298-320-273-293-295-251-261-307-303-256-227-248-232-188-179-213-198-121-188-165-160
Depreciation of assets-15-13-13-13-24-18-16-22-51-16-18-17-20-12-13-12-16-13-13-13-14-12-9-14
Total operating expenses-697-663-688-725-702-701-716-761-769-626-781-722-473-540-709-683-624-576-708-638-599-621-692-675
Profit before credit losses etc1,0829481,0449241,2031,2071,0657371,1291,1048547341,2311,0329947321,226791534597829727862722
Gains less losses from assets-1-1-1229-1-11421
Net credit losses-8-15-38-84-100-52-61-53-97-3729-98-138-94-375-175-396-174-8-7-697-87-87
Operating profit1,0749331,0058401,1021,1551,0036861,0611,0668836361,092938619557830618526594762735775635
Cost/Income ratio0.390.410.400.440.370.370.400.510.410.360.480.500.280.340.420.480.340.420.570.520.420.460.450.48