Life

Full Year
SEK m2020201920182017201620152014
Net interest income-31-16-28-65-60-43-51
Net fee and commission income2,4542,5312,6552,6864,0594,6003,931
Net financial income6607119531,6441,7641,3391,565
Net other income577-815-1785117
Total operating income3,0883,3043,5724,2795,7465,9815,562
Staff costs-867-860-1,017-1,218-1,560-1,669-1,648
Other expenses-733-706-615-591-984-1,144-1,126
Depreciation of assets-21-21-20-29-45-58-72
Total operating expenses-1,621-1,587-1,653-1,838-2,589-2,871-2,846
Profit before credit losses etc1,4671,7161,9202,4413,1573,1102,716
Gains less losses from assets
Net expected credit losses1-1-2
Operating profit before Items affecting comparability1,4681,7151,9172,4413,1573,1102,716
Items affecting comparability0
Operating profit1,4681,7151,9172,4413,1573,1102,716
Cost/Income ratio0.520.480.460.430.450.480.51
Business equity, SEK bn5.35.45.811.68.78.3
Return on equity after tax, % 25.529.429.423.530.327.9

Quarter2020201920182017201620152014
SEK mQ4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1
Net interest income-8-8-8-8-5-5-3-3-7-7-7-7-18-18-17-13-17-14-15-14-12-11-9-11-16-12-11-12
Net fee and commission income6396185936056486476356006076907056537046766746331,2299829319171,0581,0421,1711,3291,0891,049934859
Net financial income296247235-118207152199154118195328313386479421359484441472367449218227445434354401376
Net other income326-51514-251-8-11-11240011-821136182313351431232340
Total operating income9308588254758668088298017108661,0259711,0761,1371,0779891,6141,4201,4241,2881,5181,2621,4241,7771,5381,4141,3471,263
Staff costs-225-205-216-220-221-215-206-218-210-219-271-317-307-300-306-305-415-367-404-374-372-423-413-461-424-404-427-393
Other expenses-181-185-183-184-183-172-178-172-177-148-152-138-161-154-150-127-243-251-258-232-318-275-273-278-329-276-281-240
Depreciation of assets-5-5-5-6-5-5-5-5-4-4-6-7-7-8-7-7-10-11-11-13-13-14-15-16-18-20-17-17
Total operating expenses-411-394-405-410-410-393-390-395-392-371-428-462-475-461-463-438-668-629-673-619-703-712-701-755-771-700-725-650
Profit before credit losses etc519463420644564154394063194965975096016756145519467917516698155507231,022767714622613
Gains less losses from assets00000
Net expected credit losses1-1-1-1-10
Operating profit before Items affecting comparability51946442064456415438406318495596508601675614551.04641093049467917516698155507231,022767714622613
Items affecting comparability0
Operating profit519464420644564154384063184955965086016756145519467917516698155507231,022767714622613
Cost/Income ratio0.440.460.490.860.470.490.470.490.550.430.420.480.440.410.430.440.410.440.470.480.460.560.490.420.500.500.540.51
Business equity, SEK bn5.45.35.35.55.45.45.45.45.45.46.26.18.98.811.08.811.711.711.611.58.78.78.78.78.38.38.38.3
Return on business equity, per cent35.832.829.74.431.228.530.227.820.131.432.928.723.226.427.421.527.923.322.420.131.721.328.239.731.629.425.625.2