Financial data

Income statement            
SEK thousand Q3 2019 Q2 2019 Q1 2019 Q4 2018 Q3 2018 Q2 2018
Interest income 838,673 833,427 792,842 802,021 779,868 777,564
Interest expense -105,678 -107,767 -90,465 -87,434 -81,691 -80,686
Fee & commission income 62,513 55,501 49,397 56,260 54,668 53,045
Fee & commission expense, banking operations -16,017 -15,124 -13,421 -16,346 -14,216 -13,864
Premium earned, net 231,563 218,638 214,838 212,696 209,047 204,479
Insurance compensation, net -58,118 -53,879 -55,456 -54,566 -59,240 -56,819
Fee & commission expense, insurance operations -63,523 -62,104 -57,213 -55,552 -53,745 -53,626
Net income/expense from financial transactions -7,112 -3,193 3,453 -26,653 -3,600 -4,824
Other operating income 43,010 47,749 51,938 52,940 49,727 42,366
Total operating income 925,311 913,248 895,913 883,366 880,818 867,635
         
General administrative expenses -295,392 -299,836 -289,147 -309,235 -282,512 -305,045
Depreciation, amortisation and impairment of intangible and tangible fixed assets -22,094 -22,596 -21,682 -13,296 -13,823 -11,766
Other operating expenses -35,237 -38,217 -52,486 -45,990 -51,775 -49,360
Total expenses before credit losses -352,723 -360,649 -363,315 -368,521 -348,110 -366,171
         
Earnings before credit losses 572,588 552,599 532,598 514,845 532,708 501,464
         
Credit losses, net -157,038 -147,833 -154,628 -140,117 -139,046 -127,819
Operating profit/loss 415,550 404,766 377,970 374,728 393,662 373,645
         
Income tax expense -95,350 -91,922 -84,094 -90,880 -87,975 -84,931
Net profit for the period 320,200 312,844 293,876 283,848 305,687 288,714