Customer Finance (1 2011 2010
Credit portfolio net, SEK bn 94.3 83.1
Operating income, SEK M 942 167
Return on shareholders' equity, % 7.3 0.4
Total penetration rate, % 24.8 24.5
     
Penetration by business area(1, %    
Volvo CE 35 35
Volvo Trucks 27 29
Renualt Trucks 19 17
Mack Trucks 20 20
Buses 15 11
UD Trucks 14 12
1) Share of unit sales financed by Volvo Financial Services in relation to the total number units sold by the Volvo Group in markets where financial services are offered.