Income statement
Quarters

Income statement | |||||||||||
SEK thousand | Q3 2020 | Q2 2020 | Q1 2020 | Q4 2019 | Q3 2019 | Q2 2019 | Q1 2019 | Q4 2018 | Q3 2018 | Q2 2018 | Q1 2018 |
Interest income | 799,601 | 835,380 | 849,294 | 845,642 | 838,673 | 833,427 | 792,842 | 802,021 | 779,868 | 777,564 | 703,401 |
Interest expense | -97,556 | -104,507 | -104,299 | -105,000 | -105,678 | -107,767 | -90,465 | -87,434 | -81,691 | -80,686 | -74,214 |
Fee & commission income | 49,651 | 43,304 | 48,132 | 55,282 | 62,513 | 55,501 | 49,397 | 56,260 | 54,668 | 53,045 | 53,863 |
Fee & commission expense, banking operations | -17,968 | -14,001 | -16,086 | -15,880 | -16,017 | -15,124 | -13,421 | -16,346 | -14,216 | -13,864 | -12,664 |
Premium earned, net | 224,426 | 227,068 | 228,164 | 231,470 | 231,563 | 218,638 | 214,838 | 212,696 | 209,047 | 204,479 | 199,932 |
Insurance compensation, net | -59,346 | -59,550 | -56,473 | -55,488 | -58,118 | -53,879 | -55,456 | -54,566 | -59,240 | -56,819 | -55,586 |
Fee & commission expense, insurance operations | -57,266 | -59,324 | -53,897 | -59,244 | -63,523 | -62,104 | -57,213 | -55,552 | -53,745 | -53,626 | -57,422 |
Net income/expense from financial transactions | 18,801 | 20,783 | -50,574 | -15,684 | -7,112 | -3,193 | 3,453 | -26,653 | -3,600 | -4,824 | -12,852 |
Other operating income | 47,404 | 42,434 | 52,915 | 63,648 | 43,010 | 47,749 | 51,938 | 52,940 | 49,727 | 42,366 | 61,077 |
Total operating income | 907,747 | 931,587 | 897,176 | 944,746 | 925,311 | 913,248 | 895,913 | 883,366 | 880,818 | 867,635 | 805,535 |
General administrative expenses | -277,845 | -304,875 | -309,630 | -316,387 | -295,392 | -299,836 | -289,147 | -309,235 | -282,512 | -305,045 | -281,447 |
Depreciation, amortisation and impairment of intangible and tangible fixed assets | -31,665 | -26,929 | -27,174 | -21,270 | -22,094 | -22,596 | -21,682 | -13,296 | -13,823 | -11,766 | -10,154 |
Other operating expenses | -22,956 | -29,285 | -28,105 | -32,723 | -35,237 | -38,217 | -52,486 | -45,990 | -51,775 | -49,360 | -41,320 |
Total expenses before credit losses | -332,466 | -361,089 | -364,909 | -370,380 | -352,723 | -360,649 | -363,315 | -368,521 | -348,110 | -366,171 | -332,921 |
Earnings before credit losses | 575,281 | 570,498 | 532,267 | 574,366 | 572,588 | 552,599 | 532,598 | 514,845 | 532,708 | 501,464 | 472,614 |
Credit losses, net | -194,980 | -201,293 | -262,983 | -209,955 | -157,038 | -147,833 | -154,628 | -140,117 | -139,046 | -127,819 | -128,089 |
Operating profit/loss | 380,301 | 369,205 | 269,284 | 364,411 | 415,550 | 404,766 | 377,970 | 374,728 | 393,662 | 373,645 | 344,525 |
Income tax expense | -124,397 | -80,034 | -61,016 | -75,021 | -95,350 | -91,922 | -84,094 | -90,880 | -87,975 | -84,931 | -79,359 |
Net profit for the period | 255,904 | 289,171 | 208,268 | 289,390 | 320,200 | 312,844 | 293,876 | 283,848 | 305,687 | 288,714 | 265,166 |