Group, SEK thousands	Note	2009	2008
Interest income	9	249,156	467,572
Interest expenses	9	-44,841	-216,166
Commission income	10	824,417	659,093
Commission expenses	10	-259,326	-250,619
Net result of financial transactions	11	36,665	11,722
Other operating revenue	12	61,115	31,124
Effect of negative goodwill	8	53,799	-
Total operating income		920,985	702,726
General administration expenses	13	-517,138	-389,739
Depreciation, amortization and impairments of intangibles and equipment	14	-87,017	-68,869
Other operating expenses	15	-57,717	-52,142
Total expenses before credit losses		-661,872	-510,750
Profit before credit losses		259,113	191,976
Credit losses, net	16	-6,216	-9,547
Operating profit		252,897	182,429
Tax on profit for the year	17	-49,545	-44,368
Profit for the year		203,352	138,061
Of which attributable to:
The Parent Company's shareholders		204,097	138,061
Non-controlling interest		-745	-
Earnings per share before dilution	18	1.23	0.84
Earnings per share after dilution	18	1.21	0.82
Proposed/adopted dividend per share	34	0.50	0.50
Group Statement of Comprehensive Income
Profit for the year		203,352	138,061
Income/expenses reported directly against equity
Changes in value of available-for-sale assets		14,979	-2,208
Tax on changes in value of available-for-sale assets		-1,655	618
Translation of foreign subsidiary		16,407	-5,133
Other comprehensive income after tax		29,731	-6,723
Comprehensive income after tax		233,083	131,338
Of which attributable to:
The Parent Company's shareholders		233,828	131,338
Non-controlling interest		-745	-