Financial data

Performance Measures            
SEK million Q4 2019 Q3 2019 Q2 2019 Q1 2019 Q4 2018 Q3 2018
Operating income 945 925 913 896 883 881
Operating profit/loss 364 416 405 378 375 394
Net profit for the period 289 320 313 294 284 306
Net profit for the period, excl. Nonrecurring costs 289 320 313 294 284 306
Earnings per share, SEK 1.45 1.60 1.56 1.47 1.42 1.53
Earnings per share excl. Nonrecurring costs, SEK 1.45 1.60 1.56 1.47 1.42 1.53
C/I before credit losses, % 39.2% 38.1% 39.5% 40.6% 41.7% 39.5%
C/I before credit losses (excl. Insurance), % 39.5% 37.6% 39.0% 40.1% 40.7% 39.2%
Common Equity Tier 1 ratio, % 13.6% 13.6% 13.1% 13.1% 13.4% 13.8%
Total capital ratio, % 16.3% 15.5% 15.0% 15.1% 14.7% 15.3%
Lending to the public 31,345 31,125 30,323 29,182 27,957 27,470
NIM, % 9.4% 9.5% 9.7% 9.8% 10.3% 10.3%
Risk adjusted NBI margin, % 8.6% 9.3% 9.6% 9.6% 10.2% 10.2%
NBI margin, % 11.3% 11.4% 11.6% 11.7% 12.2% 12.3%
Credit loss ratio, % 2.7% 2.0% 2.0% 2.2% 2.0% 2.1%
Return on equity excl. intangible fixed assets, (RoTE), % 23.3% 27.3% 27.2% 26.1% 25.8% 28.5%
Return on equity excl. intangible fixed assets, (RoTE), excl. Nonrecurring costs, % 23.3% 27.3% 27.2% 26.1% 25.8% 28.5%
Return on equity excl. Intangible fixed assets (RoTE), excl. Nonrecurring costs, given the Common Equity Tier 1 ratio according to the board's target and deducted dividend from capital base, % 30.2% 34.8% 34.4% 33.5% 32.3% 34.6%