Financial data

Income statement            
SEK thousand Q4 2019 Q3 2019 Q2 2019 Q1 2019 Q4 2018 Q3 2018
Interest income 845,642 838,673 833,427 792,842 802,021 779,868
Interest expense -105,000 -105,678 -107,767 -90,465 -87,434 -81,691
Fee & commission income 55,282 62,513 55,501 49,397 56,260 54,668
Fee & commission expense, banking operations -15,880 -16,017 -15,124 -13,421 -16,346 -14,216
Premium earned, net 231,470 231,563 218,638 214,838 212,696 209,047
Insurance compensation, net -55,488 -58,118 -53,879 -55,456 -54,566 -59,240
Fee & commission expense, insurance operations -59,244 -63,523 -62,104 -57,213 -55,552 -53,745
Net income/expense from financial transactions -15,684 -7,112 -3,193 3,453 -26,653 -3,600
Other operating income 63,648 43,010 47,749 51,938 52,940 49,727
Total operating income 944,746 925,311 913,248 895,913 883,366 880,818
         
General administrative expenses -316,387 -295,392 -299,836 -289,147 -309,235 -282,512
Depreciation, amortisation and impairment of intangible and tangible fixed assets -21,270 -22,094 -22,596 -21,682 -13,296 -13,823
Other operating expenses -32,723 -35,237 -38,217 -52,486 -45,990 -51,775
Total expenses before credit losses -370,380 -352,723 -360,649 -363,315 -368,521 -348,110
         
Earnings before credit losses 574,366 572,588 552,599 532,598 514,845 532,708
         
Credit losses, net -209,955 -157,038 -147,833 -154,628 -140,117 -139,046
Operating profit/loss 364,411 415,550 404,766 377,970 374,728 393,662
         
Income tax expense -75,021 -95,350 -91,922 -84,094 -90,880 -87,975
Net profit for the period 289,390 320,200 312,844 293,876 283,848 305,687