Retail Banking

Full Year
SEK m201520142013201220112010200920082007
Net interest income7,7498,1417,7297,1176,0635,0085,4245,2319,698
Net fee and commission income4,4244,2324,0453,6483,7753,2403,2523,4636,219
Net financial income341318384339302273292251482
Net life insurance income0000
Net other income42121857697486433159
Total operating income12,55612,81212,24311,18010,2378,5699,0328,97816,558
Staff costs-2,775-2,701-2,903-3,024-2,951-2,650-2,555-2,495-4,235
Other expenses-2,995-2,943-3,034-3,266-3,638-3,381-2,659-2,702-5,286
Depreciation of assets-67-63-63-85-79-84-93-76-318
Total operating expenses-5,837-5,707-6,000-6,375-6,668-6,115-5,307-5,273-9,839
Profit before credit losses etc6,7197,1056,2434,8053,5692,4543,7253,7056,719
Gains less losses from assets001-1004
Net credit losses -459-483-501-452-441-543-840-593-715
Operating profit6,2606,6225,7434,3533,1281,9102,8853,1126,008
Cost/Income ratio0.460.450.490.570.650.710.590.590.59
Business equity, SEK bn34.424.620.214.410.89.710.814.51.6
Return on business equity, %14.0020.7121.9222.3421.3818.9019.8016.500.00

Quarter201520142013201220112010200920082007
SEK mQ4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1
Net interest income1,9821,9731,8961,8981,9761,9842,1192,0622,0201,9561,9241,8291,8211,7961,7921,7081,6201,5481,4901,4051,3321,2631,2121,2011,2781,3311,3591,4561,4141,3641,2791,1742,5492,4442,4292,276
Net fee and commission income1,0621,0781,1411,1431,1251,0721,0539821,0661,0031,0079699578869198869808949679348487748297898627898127898968228768691,6371,5101,5491,523
Net financial income80819189817582801068410688867996788174836474587665845779727450695817010611492
Net life insurance income0000
Net other income2071143122204826202712241920132023401414141191817101914351164383522
Total operating income3,1443,1393,1393,1343,2133,1533,2743,1723,2183,0633,0642,8982,8882,7802,8272,6852,7012,5392,5802,4172,2682,1092,1282,0642,2422,1942,2602,3362,3982,2392,2292,1124,4204,0984,1273,913
Staff costs-701-672-697-705-680-674-673-674-665-725-752-761-731-755-777-761-741-722-751-737-647-686-659-658-575-626-676-678-621-613-634-627-1,085-1,087-1,045-1,018
Other expenses-813-690-769-723-774-693-753-723-807-729-743-755-845-787-822-812-901-886-956-895-928-800-875-778-663-644-712-640-725-643-686-648-1,413.5-1,253.5-1,323.5-1,295.5
Depreciation of assets-17-16-16-18-17-17-16-13-13-14-17-19-20-24-21-20-21-20-19-19-21-21-21-21-22-23-28-20-27-22-14-13-78-78-87-75
Total operating expenses-1,531-1,378-1,482-1,446-1,471-1,384-1,442-1,410-1,485-1,468-1,512-1,535-1,596-1,566-1,688-1,525-1,663-1,628-1,726-1,651-1,596-1,507-1,555-1,457-1,260-1,293-1,416-1,338-1,373-1,278-1,334-1,288-2,576.5-2,418.5-2,455.5-2,388.5
Profit before credit losses etc1,6131,7611,6571,6881,7421,7691,8321,7621,7331,5951,5521,3631,2921,2141,1391,1601,0389118547666726025736079829018449981,0259618958241,843.51,679.51,671.51,524.5
Gains less losses from assets100-110-1000022
Net credit losses -91-141-122-105-118-95-135-135-119-97-154-131-119-99-132-102-180-111-54-96-144-56-147-196-223-198-214-205-250-146-136-61-286-146-161-122
Operating profit1,5221,6201,5351,5831,6241,6741,6971,6271,6151,4981,3981,2321,1731,1151,0071,0588588007996715285454264117597036307937758157597631,559.51,535.51,510.51,402.5
Cost/Income ratio0.490.440.470.460.460.440.440.440.460.480.490.530.550.560.600.570.620.640.670.680.700.710.730.710.560.590.630.570.570.570.600.610.580.590.590.61
Business equity, SEK bn34.4734.4034.5634.0025.2024.5024.3724.3720.1320.0520.1920.3314.1614.8414.7714.9111.0110.8310.7710.569.779.7714.0413.9710.8010.8010.8010.8010.0010.0010.0010.009.309.309.309.30
Return on business equity, %13.6014.5013.6814.3019.8521.1021.4020.5724.7223.0121.3218.6624.5222.2521.5419.6523.0721.8721.9718.8016.0016.528.988.7120.8019.2717.2721.7316.1017.5016.2016.3021.7020.8021.3019.50