Financial data

Income statement      
SEK thousand Q3 2020 Q2 2020 Q1 2020 Q4 2019 Q3 2019 Q2 2019
Interest income 799,601 835,380 849,294 845,642 838,673 833,427
Interest expense -97,556 -104,507 -104,299 -105,000 -105,678 -107,767
Fee & commission income 49,651 43,304 48,132 55,282 62,513 55,501
Fee & commission expense, banking operations -17,968 -14,001 -16,086 -15,880 -16,017 -15,124
Premium earned, net 224,426 227,068 228,164 231,470 231,563 218,638
Insurance compensation, net -59,346 -59,550 -56,473 -55,488 -58,118 -53,879
Fee & commission expense, insurance operations -57,266 -59,324 -53,897 -59,244 -63,523 -62,104
Net income/expense from financial transactions 18,801 20,783 -50,574 -15,684 -7,112 -3,193
Other operating income 47,404 42,434 52,915 63,648 43,010 47,749
Total operating income 907,747 931,587 897,176 944,746 925,311 913,248
         
General administrative expenses -277,845 -304,875 -309,630 -316,387 -295,392 -299,836
Depreciation, amortisation and impairment of intangible and tangible fixed assets -31,665 -26,929 -27,174 -21,270 -22,094 -22,596
Other operating expenses -22,956 -29,285 -28,105 -32,723 -35,237 -38,217
Total expenses before credit losses -332,466 -361,089 -364,909 -370,380 -352,723 -360,649
         
Earnings before credit losses 575,281 570,498 532,267 574,366 572,588 552,599
         
Credit losses, net -194,980 -201,293 -262,983 -209,955 -157,038 -147,833
Operating profit/loss 380,301 369,205 269,284 364,411 415,550 404,766
         
Income tax expense -124,397 -80,034 -61,016 -75,021 -95,350 -91,922
Net profit for the period 255,904 289,171 208,268 289,390 320,200 312,844