Baltic

Full Year
SEK m20182017201620152014
Net interest income2,8372,3732,1502,0192,227
Net fee and commission income1,4491,3201,1711,1151,066
Net financial income257231218241295
Net other income-212-1590
Total operating income4,5223,9263,5383,4343,588
Staff costs-811-711-734-713-687
Other expenses-1,021-959-948-959-955
Depreciation of assets-53-77-62-62-70
Total operating expenses-1,885-1,746-1,744-1,734-1,712
Profit before credit losses etc2,6372,1801,7941,7001,876
Gains less losses from assets19-5915
Net expected credit losses-55
Net credit losses-7-57-128-217
Operating profit before Items affecting comparability2,6002,1671,7461,5731,664
Items affecting comparability0-68
Operating profit2,6002,1671,6781,5731,664
Cost/Income ratio0.420.440.490.500.48
Business equity, SEK bn9.6378.3076.447.508.50
Return on business equity, %22.4224.3619.3218.6017.50

Quarter201920182017201620152014
SEK mQ2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1
Net interest income802762749646706646640603578552588545508509475516509519549577562539
Net fee and commission income424376377327369327355334325307325298284264292283276264283276261246
Net financial income69705653735360565362387551545547538673747375
Net other income-2-1-60100-1-13-530162924-11
Total operating income1,2931,2071,1771,0261,1501,0261,055992956924946921843828828875862869905927895861
Staff costs-209-203-217-176-206-176-183-171-179-177-197-177-182-178-183-178-177-175-188-169-170-160
Other expenses-271-262-248-252-260-252-217-250-247-245-231-237-231-249-233-241-244-241-265-232-224-234
Depreciation of assets-7-8-13-13-13-13-34-13-16-13-23-13-13-13-14-16-16-16-18-18-17-17
Total operating expenses-487-473-478-441-479-441-434-435-442-435-451-427-426-440-430-435-437-432-471-419-411-411
Profit before credit losses etc806734698585670585621557513489495494417388398440425437434508484450
Gains less losses from assets-1120-711142215
Net expected credit losses-33-20-45-441717
Net credit losses-2611-1119-22-1327-49-39-56-429-103-39-4-71
Operating profit before Items affecting comparability773715652668688604595561504508474485446341359384384446336469480379
Items affecting comparability0-68
Operating profit773715652668688604595561504508474485446273359384384446336469480379
Cost/Income ratio0.380.390.410.430.420.430.410.440.460.470.480.460.510.530.520.500.510.500.520.450.460.48
Business equity, SEK bn10.610.510.110.19.88.58.17.97.77.67.77.77.57.67.27.47.58.17.98.48.78.8
Return on business equity, %25.023.321.522.023.423.526.025.022.923.421.622.120.812.717.818.518.219.615.219.819.515.3