Financial data

Performance Measures            
SEK million Q3 2020 Q2 2020 Q1 2020 Q4 2019 Q3 2019 Q2 2019
Operating income 908 932 897 945 925 913
Operating profit/loss 380 369 269 364 416 405
Net profit for the period 256 289 208 289 320 313
Net profit for the period, excl. Nonrecurring costs 256 289 208 289 320 313
Earnings per share, SEK 1.26 1.42 1.02 1.43 1.60 1.56
Earnings per share excl. Nonrecurring costs, SEK 1.26 1.42 1.02 1.43 1.60 1.56
C/I before credit losses, % 36.6% 38.8% 40.7% 39.2% 38.1% 39.5%
C/I before credit losses (excl. Insurance), % 36.8% 38.7% 38.5% 39.5% 37.6% 39.0%
Common Equity Tier 1 ratio, % 14.6% 14.3% 13.7% 13.6% 13.6% 13.1%
Total capital ratio, % 16.9% 16.7% 16.2% 16.3% 15.5% 15.0%
Lending to the public 31,188 30,853 31,148 31,345 31,125 30,323
NIM, % 9.0% 9.4% 9.5% 9.4% 9.5% 9.7%
Risk adjusted NBI margin, % 8.3% 8.5% 7.9% 8.6% 9.3% 9.6%
NBI margin, % 10.8% 11.1% 11.3% 11.3% 11.4% 11.6%
Credit loss ratio, % 2.5% 2.6% 3.4% 2.7% 2.0% 2.0%
Return on equity excl. intangible fixed assets, (RoTE), % 17.9% 21.3% 16.1% 23.3% 27.3% 27.2%
Return on equity excl. intangible fixed assets, (RoTE), excl. Nonrecurring costs, % 17.9% 21.3% 16.1% 23.3% 27.3% 27.2%
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, % 25.1% 28.8% 20.8% 30.2% 34.8% 34.4%