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Five-year overview

Consolidated income statement in summary

SEK m20202019201820172016
Total operating income2,368 3,0382,8292,3652,139
of which net interest income2,726 2,8632,4352,3292,107
Total operating expenses-2,343 -2,352-2,146-1,860-1,692
Profit before tax82 748755581533
Net profit for the year41 605590453417

Consolidated balance sheet in summary

SEK m20202019201820172016
Cash and lending to credit institutions2,526 3,0751,1871,6811,064
Treasury bills and treasury bonds2,411 2,7292,6531,4902,274
Lending to the public10143736
Acquired loan portfolios21,075 24,30320,60514,76612,386
Bonds and other securities4,082 2,7693,6353,6892,539
Shares and participations in joint ventures160 201215238241
Fixed assets620 651446329284
Other assets984 649500307326
Total assets31,864 34,38729,25522,53719,150
Deposits from the public17,928 21,43517,09313,22711,849
Other liabilities and provisions8,778 8,0547,7496,0824,376
Equity5,158 4,8984,4133,2282,925
Total liabilities and equity31,864 34,38729,25522,53719,150

Key ratios, Group1)

SEK m20202019201820172016
Net interest income margin, %12 1314
C/I ratio, %97 76747676
Return on equity, %-1 13161517
Return on assets, %0.1 1.92.32.22.3
Portfolio acquisitions1,761 5,9528,0484,2533,329
Carrying value on acquired loans21,241 24,51320,83415,02412,658
Gross 180-month ERC 2)32,763 38,87433,602
Gross 120-month ERC 2)30,404 35,46030,73323,99121,375
Total capital ratio, %16.49 14.0114.1417.7116.76
CET1 ratio, %10.76 9.949.6611.7012.46
Liquidity reserve8,652 8,0247,3996,8005,789
Number of employees (FTEs)1,615 1,5751,5561,3351,285

1) See definitions.

2) "Estimated Remaining Collections"

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- Annual Report 2020 -
- Årsredovisning 2020 -