Retail Cards

Full Year
SEK m	2012	2011	2010	2009	2008	2007
Net interest income	1,044	917	982	994	505	317
Net fee and commission income	1,664	1,685	1,682	1,763	1,955	1,928
Net financial income	0	0	0	0	0	17
Net life insurance income	0	0	0	0	0	0
Net other income	83	69	71	70	38	59
Total operating income	2,791	2,671	2,735	2,827	2,498	2,321
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 etc	1,324	1,231	1,283	2,160	1,135	997
Gains less losses from assets	0	0	-1	0		1
Net credit losses	-201	-220	-318	-445	-401	-134
Operating profit	1,123	1,011	964	1,715	734	864
Cost/Income ratio	0.53	0.54	0.53	0.24	0.55	0.57

Quarter	2012				2011				2010				2009				2008				2007
SEK m	Q4	Q3	Q2	Q1	Q4	Q3	Q2	Q1	Q4	Q3	Q2	Q1	Q4	Q3	Q2	Q1	Q4	Q3	Q2	Q1	Q4	Q3	Q2	Q1
Net interest income	266	266	268	244	234	235	222	226	236	244	249	253	261	263	250	220	141	132	142	90	66	85	77	89
Net fee and commission income	434	412	431	387	474	403	416	392	444	403	438	397	468	429	451	415	510	468	508	469	543	462	487	436
Net financial income			0														0		0		17
Net life insurance income			0
Net other income	25	17	24	17	24	12	30	3	22	18	16	15	20	18	11	21	13	4	13	8	23	12	16	8
Total operating income	725	695	723	648	732	650	668	621	702	665	703	665	749	710	712	656	664	604	663	567	649	559	580	533
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 etc	354	342	346	282	365	304	302	260	348	308	320	307	444	367	345	301	305	274	316	240	299	244	244	210
Gains less losses from assets									0	-1											1
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 profit	300	297	297	229	292	256	258	205	275	256	236	197	340	260	221	191	161	180	204	189	251	225	209	179
Cost/Income ratio	0.51	0.51	0.52	0.56	0.50	0.53	0.55	0.58	0.50	0.54	0.54	0.54	0.41	0.48	0.52	0.54	0.54	0.55	0.52	0.58	0.54	0.56	0.58	0.61