Customer Finance (1 2009 2010
Credit portfolio net, SEK bn 93.5 83.1
Operating income, SEK M (680) 167
Return on shareholders' equity, % (6.2) 0.4
Total penetration rate, % 24.8 24.5
     
Penetration by business area, %    
Volvo CE 34 35
Volvo Trucks 30 29
Renualt Trucks 20 17
Mack Trucks 14 20
Buses 16 11
UD Trucks 4 12
1) Share of business financed by Volvo Financial Services in markets where financial services are offered.