Baltic

Full Year
SEK m2017201620152014
Net interest income2,3732,1502,0192,227
Net fee and commission income1,3201,1711,1151,066
Net financial income231218241295
Net other income2-1590
Total operating income3,9263,5383,4343,588
Staff costs-711-734-713-687
Other expenses-959-948-959-955
Depreciation of assets-77-62-62-70
Total operating expenses-1,746-1,744-1,734-1,712
Profit before credit losses etc2,1801,7941,7001,876
Gains less losses from assets-5915
Net credit losses-7-57-128-217
Operating profit before Items affecting comparability2,1671,7461,5731,664
Items affecting comparability0-68
Operating profit2,1671,6781,5731,664
Cost/Income ratio0.440.490.500.48
Business equity, SEK bn78.3076.447.508.50
Return on business equity, %24.3619.3218.6017.50

Quarter20182017201620152014
SEK mQ2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1
Net interest income706646640603578552588545508509475516509519549577562539
Net fee and commission income369327355334325307325298284264292283276264283276261246
Net financial income735360565362387551545547538673747375
Net other income100-1-13-530162924-11
Total operating income1,1501,0261,055992956924946921843828828875862869905927895861
Staff costs-206-176-183-171-179-177-197-177-182-178-183-178-177-175-188-169-170-160
Other expenses-260-252-217-250-247-245-231-237-231-249-233-241-244-241-265-232-224-234
Depreciation of assets-13-13-34-13-16-13-23-13-13-13-14-16-16-16-18-18-17-17
Total operating expenses-479-441-434-435-442-435-451-427-426-440-430-435-437-432-471-419-411-411
Profit before credit losses etc670585621557513489495494417388398440425437434508484450
Gains less losses from assets120-711142215
Net credit losses1717-2611-1119-22-1327-49-39-56-429-103-39-4-71
Operating profit before Items affecting comparability688604595561504508474485446341359384384446336469480379
Items affecting comparability0-68
Operating profit688604595561504508474485446273359384384446336469480379
Cost/Income ratio0.420.430.410.440.460.470.480.460.510.530.520.500.510.500.520.450.460.48
Business equity, SEK bn9.768.538.107.907.737.607.747.727.537.587.187.387.508.117.868.438.758.80
Return on business equity, %23.4123.5226.0025.0022.9323.4121.5522.1120.8412.6817.8018.5018.2019.6015.2019.8019.5015.30