Key figures
2007
2008
2009
2010
Return on equity,%
2.0
4.1
3.5
Return on total capital, %
0.13
0.23
0.19
0.15
Investment margin, %
0.53
0.65
0.38
0.40
Cost/income ratio before loan losses 1)
0.49
0.34
0.33
0.31
Capital adequacy according to transition rules, %
10.5
10.7
10.4
Tier 1 ratio according to transition rules,%
8.6
8.2
9.0
9.2
Capital adequacy according to Basel II,%
28.9
27.6
24.2
22.3
Tier 1 ratio according to Basel II,%
23.7
21.6
20.3
19.7
Percentage of impaired loans, %
0.09
0.11
0.00
0.01
Reserve ratio in relation to lending, %
0.08
0.07
0.05
Loan losses, % 1)
-0.01