Retail Cards

Full Year
SEK m201220112010200920082007
Net interest income1,044917982994505317
Net fee and commission income1,6641,6851,6821,7631,9551,928
Net financial income0000017
Net life insurance income000000
Net other income836971703859
Total operating income2,7912,6712,7352,8272,4982,321
Staff costs-722-707-758-723-679
Other expenses-724-708-659-622-600-611
Depreciation of assets-21-25-35-45-40-34
Total operating expenses-1,467-1,440-1,452-667-1,363-1,324
Profit before credit losses etc1,3241,2311,2832,1601,135997
Gains less losses from assets00-101
Net credit losses-201-220-318-445-401-134
Operating profit1,1231,0119641,715734864
Cost/Income ratio0.530.540.530.240.550.57

Quarter201220112010200920082007
SEK mQ4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1
Net interest income2662662682442342352222262362442492532612632502201411321429066857789
Net fee and commission income434412431387474403416392444403438397468429451415510468508469543462487436
Net financial income00017
Net life insurance income0
Net other income25172417241230322181615201811211341382312168
Total operating income725695723648732650668621702665703665749710712656664604663567649559580533
Staff costs-180-180-182-180-176-171-182-178-175-195-192-196-148-181-187-187-187-170-187-179-171-165-173-170
Other expenses-188-165-190-181-185-169-178-176-171-154-182-152-146-151-168-157-162-150-150-138-170-141-155-145
Depreciation of assets-3-8-5-5-6-6-6-7-8-8-9-10-11-11-12-11-10-10-10-10-9-9-8-8
Total operating expenses-371-353-377-366-367-346-366-361-354-357-383-358-305-343-367-355-359-330-347-327-350-315-336-323
Profit before credit losses etc354342346282365304302260348308320307444367345301305274316240299244244210
Gains less losses from assets0-11
Net credit losses-54-45-49-53-73-48-44-55-73-51-84-110-104-107-124-110-144-94-112-51-49-19-35-31
Operating profit300297297229292256258205275256236197340260221191161180204189251225209179
Cost/Income ratio0.510.510.520.560.500.530.550.580.500.540.540.540.410.480.520.540.540.550.520.580.540.560.580.61