Financial data

Income statement          
SEK thousand Q1 2020 Q4 2019 Q3 2019 Q2 2019 Q1 2019 Q4 2018
Interest income 849,294 845,642 838,673 833,427 792,842 802,021
Interest expense -104,299 -105,000 -105,678 -107,767 -90,465 -87,434
Fee & commission income 48,132 55,282 62,513 55,501 49,397 56,260
Fee & commission expense, banking operations -16,086 -15,880 -16,017 -15,124 -13,421 -16,346
Premium earned, net 228,164 231,470 231,563 218,638 214,838 212,696
Insurance compensation, net -56,473 -55,488 -58,118 -53,879 -55,456 -54,566
Fee & commission expense, insurance operations -53,897 -59,244 -63,523 -62,104 -57,213 -55,552
Net income/expense from financial transactions -50,574 -15,684 -7,112 -3,193 3,453 -26,653
Other operating income 52,915 63,648 43,010 47,749 51,938 52,940
Total operating income 897,176 944,746 925,311 913,248 895,913 883,366
         
General administrative expenses -309,630 -316,387 -295,392 -299,836 -289,147 -309,235
Depreciation, amortisation and impairment of intangible and tangible fixed assets -27,174 -21,270 -22,094 -22,596 -21,682 -13,296
Other operating expenses -28,105 -32,723 -35,237 -38,217 -52,486 -45,990
Total expenses before credit losses -364,909 -370,380 -352,723 -360,649 -363,315 -368,521
         
Earnings before credit losses 532,267 574,366 572,588 552,599 532,598 514,845
         
Credit losses, net -262,983 -209,955 -157,038 -147,833 -154,628 -140,117
Operating profit/loss 269,284 364,411 415,550 404,766 377,970 374,728
         
Income tax expense -61,016 -75,021 -95,350 -91,922 -84,094 -90,880
Net profit for the period 208,268 289,390 320,200 312,844 293,876 283,848