Customer Finance 1) 2012 2011
Credit portfolio net, SEK M 99,690 94,275
Operating income, SEK M 1,492 969
Return on shareholders' equity, % 12.5 7.3
Total penetration rate, % 27 25
     
Penetration by business area1), %    
Volvo CE 37 35
Volvo Trucks 30 27
Renault Trucks 23 19
Mack Trucks 19 20
Buses 21 15
UD Trucks 13 14
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.