Fourth quarter Year
SEK M 2010 2009 2010 2009
Finance and lease income 1,951 2,815 9,031 11,712
Finance and lease expenses (1,180) (1,925) (5,974) (8,427)
Gross income 771 890 3,057 3,285
         
Selling and administrative expenses (369) (388) (1,526) (1,608)
Credit provision expenses (311) (466) (1,438) (2,327)
Other operating income and expenses 7 (21) 73 (30)
Operating income (loss) 98 15 167 (680)
         
Income taxes (44) 7 (134) 114
Income for the period 54 22 32 (566)
         
    Return on Equity, 12 month moving values     0.4% (6.2)%