Life and Investment Management

Full Year
SEK m2017201620152014
Net interest income-90-60-43-51
Net fee and commission income4,4714,0594,6003,931
Net financial income1,6741,7641,3391,565
Net other income17-1785117
Total operating income6,0725,7465,9815,562
Staff costs-1,561-1,560-1,669-1,648
Other expenses-963-984-1,144-1,126
Depreciation of assets-37-45-58-72
Total operating expenses-2,561-2,589-2,871-2,846
Profit before credit losses etc3,5113,1573,1102,716
Gains less losses from assets
Net expected credit losses
Net credit losses
Operating profit before Items affecting comparability3,510.93285113293,1573,1102,716
Items affecting comparability0
Operating profit3,5113,1573,1102,716
Cost/Income ratio0.420.450.480.51
Business equity, SEK bn8.311.68.78.3
Return on equity after tax, % 33.823.530.327.9

Quarter20182017201620152014
SEK mQ3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1Q4Q3Q2Q1
Net interest income-14-13-12-24-24-23-19-17-14-15-14-12-11-9-11-16-12-11-12
Net fee and commission income1,2501,2151,1611,3061,0531,1161,0431,2299829319171,0581,0421,1711,3291,0891,049934859
Net financial income194331304404481425364484441472367449218227445434354401376
Net other income-1101250-214-821136182313351431232340
Total operating income1,4191,5331,4651,6911,5091,5171,4031,6141,4201,4241,2881,5181,2621,4241,7771,5381,4141,3471,263
Staff costs-308-385-409-402-383-394-382-415-367-404-374-372-423-413-461-424-404-427-393
Other expenses-245-245-232-264-243-235-220-243-251-258-232-318-275-273-278-329-276-281-240
Depreciation of assets-4-8-9-10-10-9-9-10-11-11-13-13-14-15-16-18-20-17-17
Total operating expenses-558-637-650-676-636-639-611-668-629-673-619-703-712-701-755-771-700-725-650
Profit before credit losses etc8618968151,0148748787929467917516698155507231,022767714622613
Gains less losses from assets00
Net expected credit losses-1-1
Net credit losses0
Operating profit before Items affecting comparability8618968141,014.4010154090874878.40808483247929467917516698155507231,022767714622613
Items affecting comparability0
Operating profit8618968141,0148748787929467917516698155507231,022767714622613
Cost/Income ratio0.390.420.440.400.420.420.440.410.440.470.480.460.560.490.420.500.500.540.51
Business equity, SEK bn7.668.438.3011.1011.0011.0111.0411.7111.7311.6011.538.708.708.708.708.308.308.308.30
Return on business equity, per cent38.6336.5733.8031.5427.4027.4424.6827.9523.3422.4020.0731.7021.3028.2039.7031.6029.4025.6025.20