Customer Finance 1) 2013 2012
Credit portfolio net, SEK M 103,873 99,690
Operating income, SEK M 1,522 1,496
Return on shareholders' equity, % 12.1 12.5
Total penetration rate, % 27 27
     
Penetration by business area1), %    
Volvo CE 36 37
Volvo Trucks 30 30
Renault Trucks 21 23
Mack Trucks 21 19
Buses 16 21
UD Trucks 12 13
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.