Financial data

Segment            
Payment Solutions Q4 2019 Q3 2019 Q2 2019 Q1 2019 Q4 2018 Q3 2018
Lending to the public at the end of the period 11,426 11,408 11,146 10,707 10,508 10,185
Operating Income 397 380 380 373 374 361
Operating income less credit losses 305 347 341 324 323 331
Risk adjusted NBI margin, % 10.7% 12.3% 12.5% 12.2% 12.5% 13.1%
NBI Margin, % 13.9% 13.5% 13.9% 14.1% 14.4% 14.3%
Credit loss ratio, % 3.2% 1.2% 1.4% 1.8% 1.9% 1.2%
         
Consumer Loans Q4 2019 Q3 2019 Q2 2019 Q1 2019 Q4 2018 Q3 2018
Lending to the public at the end of the period 19,919 19,717 19,176 18,475 17,449 17,285
Operating Income 490 498 485 470 478 478
Operating income less credit losses 371 375 376 364 388 369
Risk adjusted NBI margin, % 7.5% 7.7% 8.0% 8.1% 8.9% 8.7%
NBI Margin, % 9.9% 10.3% 10.3% 10.5% 11.0% 11.3%
Credit loss ratio, % 2.4% 2.5% 2.3% 2.4% 2.1% 2.6%
         
Insurance Q4 2019 Q3 2019 Q2 2019 Q1 2019 Q4 2018 Q3 2018
Premiums earned 232 232 219 215 213 210
Operating Income 60 52 54 59 37 50
Technical result 35 24 22 23 27 21
Operating profit 39 28 29 32 13 27
Combined ratio, % 87.8% 90.2% 90.6% 90.1% 88.9% 90.6%
             
             
SEK million, unless otherwise specified