Key figures
2007
2008
2009
2010
2011
Return on equity, %
5.0
4.4
4.2
Return on total capital, %
0.34
0.26
0.22
0.24
Investment margin, %
1.43
1.30
0.96
0.93
Cost/income ratio before loan losses 1)
0.74
0.75
0.76
0.72
Capital adequacy according to transition rules, %
10.6
10.4
9.7
9.4
Tier 1 ratio according to transition rules, %
8.8
8.6
8.2
Capital adequacy according to Basel II, %
17.2
17.7
14.8
13.5
Tier 1 ratio according to Basel II, %
14.4
14.6
12.5
11.8
Percentage of impaired loans, %
0.41
0.21
0.17
Reserve ratio in relation to lending, %
0.36
0.35
0.30
Loan losses, % 1)
0.06
0.07
0.04
0.03
1) After recalculation in accordance with the new accounting policy for loan losses.