Financial data

Segment            
Payment Solutions Q3 2020 Q2 2020 Q1 2020 Q4 2019 Q3 2019 Q2 2019
Lending to the public at the end of the period 11,072 10,921 11,148 11,426 11,408 11,146
Operating Income 338 354 378 397 380 380
Operating income less credit losses 272 285 301 305 347 341
Risk adjusted NBI margin, % 9.9% 10.3% 10.7% 10.7% 12.3% 12.5%
NBI Margin, % 12.3% 12.8% 13.4% 13.9% 13.5% 13.9%
Credit loss ratio, % 2.4% 2.5% 2.7% 3.2% 1.2% 1.4%
         
Consumer Loans Q3 2020 Q2 2020 Q1 2020 Q4 2019 Q3 2019 Q2 2019
Lending to the public at the end of the period 20,116 19,932 19,999 19,919 19,717 19,176
Operating Income 506 512 505 490 498 485
Operating income less credit losses 377 380 319 371 375 376
Risk adjusted NBI margin, % 7.5% 7.6% 6.4% 7.5% 7.7% 8.0%
NBI Margin, % 10.1% 10.3% 10.1% 9.9% 10.3% 10.3%
Credit loss ratio, % 2.6% 2.6% 3.7% 2.4% 2.5% 2.3%
         
Insurance Q3 2020 Q2 2020 Q1 2020 Q4 2019 Q3 2019 Q2 2019
Premiums earned 225 227 229 232 232 219
Operating Income 67 69 17 60 52 54
Technical result 27 25 30 35 24 22
Operating profit 44 42 -9 39 28 29
Combined ratio, % 88.8% 89.7% 87.7% 87.8% 90.2% 90.6%
             
             
SEK million, unless otherwise specified