Year-end Report January—December 2016
1 October—31 December 2016* · Lending to the public rose 17% to SEK 21,204 million, up 3% compared with Q3 2016 · Operating income increased by 7% excluding costs for the discontinued travel-insurance operations, total operating income increased by 2% to SEK 693 million · Operating profit increased by 33% to SEK 276 million · Earnings per share rose 74% to SEK 1.22 · C/I before credit losses (excl. Insurance) was 43.8% (50.2%) · The credit loss ratio was 1.8% (3.0%) 1 January—31 December 2016* · Lending to the public rose 17% to SEK 21,204 million · Operating