Consensus estimates

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Average per row
SEKm	2018 Q3	2018 FY	2019 FY	2020 FY
Net interest income	5,321	21,155	22,329	23,430
Net fee and commission income	4,188	17,910	18,361	18,938
Net financial income	1,372	5,887	5,729	5,812
Total operating income	11,046	45,487	47,047	48,826
Staff costs	-3,444	-14,019	-14,028	-14,132
Total operating expenses	-5,409	-21,914	-22,011	-22,248
Operating profit before credit losses	5,636	23,573	25,036	26,578
Net credit losses	-258	-958	-1,418	-1,650
Operating profit	5,388	27,126	23,613	24,926
EPS	1.95	10.51	8.59	9.07
DPS		6.32	6.31	6.64
Core Tier-1 ratio, %	19.27	19.42	19.51	19.66

Consensus finalised: August 14, 2018
Source: SME Direkt

Contributors

Autonomous Research
Credit Suisse
Deutsche Bank
DNB Markets
Exane BNP Paribas
Goldman Sachs & Co
Handelsbanken Capital Markets
JP Morgan
Kepler Cheuvreux
Mediobanca
Morgan Stanley
Nordea Markets
RBC Capital Markets
Redburn Partners
Societe Generale
UBS