Income statement
Quarters

Income statement | |||||||||
SEK thousand | Q3 2019 | Q2 2019 | Q1 2019 | Q4 2018 | Q3 2018 | Q2 2018 | Q1 2018 | Q4 2017 | Q3 2017 |
Interest income | 838,673 | 833,427 | 792,842 | 802,021 | 779,868 | 777,564 | 703,401 | 706,608 | 671,714 |
Interest expense | -105,678 | -107,767 | -90,465 | -87,434 | -81,691 | -80,686 | -74,214 | -71,782 | -68,265 |
Fee & commission income | 62,513 | 55,501 | 49,397 | 56,260 | 54,668 | 53,045 | 53,863 | 47,107 | 56,210 |
Fee & commission expense, banking operations | -16,017 | -15,124 | -13,421 | -16,346 | -14,216 | -13,864 | -12,664 | -14,650 | -17,562 |
Premium earned, net | 231,563 | 218,638 | 214,838 | 212,696 | 209,047 | 204,479 | 199,932 | 194,251 | 202,191 |
Insurance compensation, net | -58,118 | -53,879 | -55,456 | -54,566 | -59,240 | -56,819 | -55,586 | -55,576 | -69,318 |
Fee & commission expense, insurance operations | -63,523 | -62,104 | -57,213 | -55,552 | -53,745 | -53,626 | -57,422 | -48,311 | -47,307 |
Net income/expense from financial transactions | -7,112 | -3,193 | 3,453 | -26,653 | -3,600 | -4,824 | -12,852 | -5,852 | -6,270 |
Other operating income | 43,010 | 47,749 | 51,938 | 52,940 | 49,727 | 42,366 | 61,077 | 56,064 | 47,719 |
Total operating income | 925,311 | 913,248 | 895,913 | 883,366 | 880,818 | 867,635 | 805,535 | 807,859 | 769,112 |
General administrative expenses | -295,392 | -299,836 | -289,147 | -309,235 | -282,512 | -305,045 | -281,447 | -275,440 | -251,953 |
Depreciation, amortisation and impairment of intangible and tangible fixed assets | -22,094 | -22,596 | -21,682 | -13,296 | -13,823 | -11,766 | -10,154 | -9,143 | -8,828 |
Other operating expenses | -35,237 | -38,217 | -52,486 | -45,990 | -51,775 | -49,360 | -41,320 | -38,916 | -44,349 |
Total expenses before credit losses | -352,723 | -360,649 | -363,315 | -368,521 | -348,110 | -366,171 | -332,921 | -323,499 | -305,130 |
Earnings before credit losses | 572,588 | 552,599 | 532,598 | 514,845 | 532,708 | 501,464 | 472,614 | 484,360 | 463,982 |
Credit losses, net | -157,038 | -147,833 | -154,628 | -140,117 | -139,046 | -127,819 | -128,089 | -112,910 | -99,880 |
Operating profit/loss | 415,550 | 404,766 | 377,970 | 374,728 | 393,662 | 373,645 | 344,525 | 371,450 | 364,102 |
Income tax expense | -95,350 | -91,922 | -84,094 | -90,880 | -87,975 | -84,931 | -79,359 | -82,145 | -83,635 |
Net profit for the period | 320,200 | 312,844 | 293,876 | 283,848 | 305,687 | 288,714 | 265,166 | 289,305 | 280,467 |