Baltic

Full Year
SEK m201620152014
Net interest income2,1502,0192,227
Net fee and commission income1,1711,1151,066
Net financial income218241295
Net other income-1590
Total operating income3,5383,4343,588
Staff costs-734-713-687
Other expenses-1,016-959-955
Depreciation of assets-62-62-70
Total operating expenses-1,812-1,734-1,712
Profit before credit losses etc1,7261,7001,876
Gains less losses from assets915
Net credit losses-57-128-217
Operating profit1,6781,5731,664
Cost/Income ratio0.510.500.48
Business equity, SEK bn76.447.508.50
Return on business equity, %19.3218.6017.50

Quarter2017201620152014
SEK mQ3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1
Net interest income603578552588545508509475516509519549577562539
Net fee and commission income334325307325298284264292283276264283276261246
Net financial income565362387551545547538673747375
Net other income-1-13-530162924-11
Total operating income992956924946921843828828875862869905927895861
Staff costs-171-179-177-197-177-182-178-183-178-177-175-188-169-170-160
Other expenses-250-247-245-231-237-231-317-233-241-244-241-265-232-224-234
Depreciation of assets-13-16-13-23-13-13-13-14-16-16-16-18-18-17-17
Total operating expenses-435-442-435-451-427-426-508-430-435-437-432-471-419-411-411
Profit before credit losses etc557513489495494417320398440425437434508484450
Gains less losses from assets-711142215
Net credit losses11-1119-22-1327-49-39-56-429-103-39-4-71
Operating profit561504508474485446273359384384446336469480379
Cost/Income ratio0.440.460.470.480.460.510.610.520.500.510.500.520.450.460.48
Business equity, SEK bn7.907.737.607.747.727.537.587.187.387.508.117.868.438.758.80
Return on business equity, %25.0022.9323.4121.5522.1120.8412.6817.8018.5018.2019.6015.2019.8019.5015.30