Profit and loss accounts Estonia Download fileFull Year SEKm20152014Total operating income1,2601,226Total operating expenses-568-539Profit before credit losses etc692687Gains less losses from assets-1-15Net credit losses3615Operating profit727687Quarter201620152014SEKmQ1Q4Q3 Q2 Q1 Q4 Q3 Q2 Q1 Total operating income304300315317328316307304299Total operating expenses-196-144-139-141-144-136-140-136-127Profit before credit losses etc108156176176184180167168172Gains less losses from assets-1-6-113-1Net credit losses721-11-12716-12-516Operating profit115177164175211190144166187