Financial data

Performance Measures            
SEK million Q3 2019 Q2 2019 Q1 2019 Q4 2018 Q3 2018 Q2 2018
Operating income 925 913 896 883 881 868
Operating profit/loss 416 405 378 375 394 374
Net profit for the period 320 313 294 284 306 289
Net profit for the period, excl. Nonrecurring costs 320 313 294 284 306 289
Earnings per share, SEK 1.60 1.56 1.47 1.42 1.53 1.44
Earnings per share excl. Nonrecurring costs, SEK 1.60 1.56 1.47 1.42 1.53 1.44
C/I before credit losses, % 38.1% 39.5% 40.6% 41.7% 39.5% 42.2%
C/I before credit losses (excl. Insurance), % 37.6% 39.0% 40.1% 40.7% 39.2% 41.6%
Common Equity Tier 1 ratio, % 13.6% 13.1% 13.1% 13.4% 13.8% 13.8%
Total capital ratio, % 15.5% 15.0% 15.1% 14.7% 15.3% 15.4%
Lending to the public 31,125 30,323 29,182 27,957 27,470 26,626
NIM, % 9.5% 9.7% 9.8% 10.3% 10.3% 10.7%
Risk adjusted NBI margin, % 9.3% 9.6% 9.6% 10.2% 10.2% 10.7%
NBI margin, % 11.4% 11.6% 11.7% 12.2% 12.3% 12.7%
Credit loss ratio, % 2.0% 2.0% 2.2% 2.0% 2.1% 2.0%
Return on equity excl. intangible fixed assets, (RoTE), % 27.3% 27.2% 26.1% 25.8% 28.5% 27.5%
Return on equity excl. intangible fixed assets, (RoTE), excl. Nonrecurring costs, % 27.3% 27.2% 26.1% 25.8% 28.5% 27.5%
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, % 34.8% 34.4% 33.5% 32.3% 34.6% 33.4%