Financial data

Segment            
Payment Solutions Q3 2019 Q2 2019 Q1 2019 Q4 2018 Q3 2018 Q2 2018
Lending to the public at the end of the period 11,408 11,146 10,707 10,508 10,185 10,045
Operating Income 380 380 373 374 361 354
Operating income less credit losses 347 341 324 323 331 305
Risk adjusted NBI margin, % 12.3% 12.5% 12.2% 12.5% 13.1% 12.5%
NBI Margin, % 13.5% 13.9% 14.1% 14.4% 14.3% 14.5%
Credit loss ratio, % 1.2% 1.4% 1.8% 1.9% 1.2% 2.0%
         
Consumer Loans Q3 2019 Q2 2019 Q1 2019 Q4 2018 Q3 2018 Q2 2018
Lending to the public at the end of the period 19,717 19,176 18,475 17,449 17,285 16,581
Operating Income 498 485 470 478 478 474
Operating income less credit losses 375 376 364 388 369 395
Risk adjusted NBI margin, % 7.7% 8.0% 8.1% 8.9% 8.7% 9.8%
NBI Margin, % 10.3% 10.3% 10.5% 11.0% 11.3% 11.8%
Credit loss ratio, % 2.5% 2.3% 2.4% 2.1% 2.6% 1.9%
         
Insurance Q3 2019 Q2 2019 Q1 2019 Q4 2018 Q3 2018 Q2 2018
Premiums earned 232 219 215 213 210 205
Operating Income 52 54 59 37 50 48
Technical result 24 22 23 27 21 19
Operating profit 28 29 32 13 27 23
Combined ratio, % 90.2% 90.6% 90.1% 88.9% 90.6% 91.3%
             
             
SEK million, unless otherwise specified