Profit and loss accounts Sweden

Full Year
SEKm	2015	2014
Total operating income	26,184	28,088
Total operating expenses	-13,851	-14,179
Profit before credit losses etc	12,333	13,909
Gains less losses from assets	0	0
Net credit losses	-651	-975
Operating profit	11,682	12,934

Quarter	2016	2015				2014
SEKm	Q1	Q4	Q3	Q2	Q1	Q4	Q3	Q2	Q1
Total operating income	6,032	6,663	6,014	6,692	6,815	8,206	7,694	6,148	6,040
Total operating expenses	-9,303	-3,377	-3,391	-3,476	-3,607	-3,772	-3,325	-3,530	-3,552
Profit before credit losses etc	-3,271	3,286	2,623	3,216	3,208	4,434	4,369	2,618	2,488
Gains less losses from assets		0	0	0
Net credit losses	-122	-81	-222	-207	-141	-184	-360	-274	-157
Operating profit	-3,393	3,205	2,401	3,009	3,067	4,250	4,009	2,344	2,331