Second quarter First six months
SEK M 2013 2012 2013 2012
Finance and lease income 2,386 2,487 4,736 4,854
Finance and lease expenses (1,393) (1,521) (2,806) (3,005)
Gross income 993 967 1,930 1,850
         
Selling and administrative expenses (401) (446) (805) (865)
Credit provision expenses (224) (193) (385) (320)
Other operating income and expenses 49 60 56 56
Operating income 416 387 797 721
         
Income taxes (118) (119) (230) (224)
Income for the period 298 268 567 497
         
   Return on Equity, 12 months rolling values     13.2% 9.7%