Retail Sweden

Full Year
SEK m201220112010200920082007
Net interest income6,0745,1464,0254,4294,7264,106
Net fee and commission income1,9632,0731,5211,4701,4901,746
Net financial income339302273293250303
Net life insurance income000000
Net other income185218171841
Total operating income8,3947,5735,8376,2096,4846,196
Staff costs-2,302-2,244-1,892-1,852-1,774-1,606
Other expenses-2,548-2,938-2,701-2,042-2,107-2,093
Depreciation of assets-63-54-49-48-35-21
Total operating expenses-4,913-5,236-4,642-3,942-3,916-3,720
Profit before credit losses etc3,4812,3371,1952,2672,5682,476
Gains less losses from assets0000
Net credit losses-251-220-243-394-190-64
Operating profit3,2302,1179521,8732,3782,412
Cost/Income ratio0.590.690.800.630.600.60

Quarter201220112010200920082007
SEK mQ4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1
Net interest income1,5571,5301,5231,4641,3861,3131,2681,1791,0951,0199629491,0171,0681,1091,2351,2731,2331,1351,0851,0761,0181,0051,007
Net fee and commission income523471479490504498532539396363378384393351357369384349364393460409415462
Net financial income8579967981748364745876658457807274496958105657756
Net life insurance income000
Net other income45545626155454454445-110971312
Total operating income2,1692,0852,1032,0371,9761,8911,9091,7971,5701,4441,4211,4021,4981,4811,5501,6801,7351,6361,5671,5461,6501,4991,5101,537
Staff costs-551-575-595-581-566-550-569-559-472-491-468-461-428-445-489-490-435-443-447-449-403-410-403-390
Other expenses-664-623-699-562-725-719-775-719-756-640-681-624-523-489-546-484-565-494-537-511-553.5-494.5-526.5-518.5
Depreciation of assets-16-16-16-15-14-14-13-13-14-12-12-11-11-12-16-9-17-11-4-3-3-3-13-2
Total operating expenses-1,231-1,214-1,310-1,158-1,305-1,283-1,357-1,291-1,242-1,143-1,161-1,096-962-946-1,051-983-1,017-948-988-963-959.5-907.5-942.5-910.5
Profit before credit losses etc938871793879671608552506328301260306536535499697718688579583690.5591.5567.5626.5
Gains less losses from assets0000-11
Net credit losses-65-54-83-49-106-63-9-42-70-5-63-105-118-91-90-95-105-53-23-92-22-19-25
Operating profit873817710830565545542465258296197201418444409602613635556574692.5569.5548.5601.5
Cost/Income ratio0.570.580.620.570.660.680.710.720.790.790.820.780.640.640.680.590.590.580.630.620.580.580.580.59