Notes to the financial statements 3 Net interest income Group Parent company 2007 2006 2007 2006 Loans to credit institutions 10,865 8,548 4,963 12,105 Loans to the public 53,770 42,090 25,521 10,959 Interest-bearing securities1) 18,127 11,929 11,686 6,814 Other interest income 3,273 3,570 1,743 2,438 Interest income2) 86,035 66,137 43,913 32,316 Deposits by credit institutions –17,287 –13,313 –5,174 –12,766 Deposits and borrowing from the public –26,760 –18,472 –9,639 –5,147 Interest-bearing securities –20,668 –14,771 –19,289 –7,151 Subordinated liabilities –2,075 –2,111 –2,011 –2,003 Other interest costs –3,247 –3,189 –2,351 –1,415 Interest expense –70,037 –51,856 –38,464 –28,482 Total 1) Of which, measured at fair value. 2) Including interest on impaired loans. 15,998 18,007 107 14,281 11,167 56 5,449 11,427 3,834 6,424 Net income from leases1) Income from leases 6,154 877 Depreciation of leased equipment –4,735 –302 Total 1,419 1) In the Group Net income from leases is reclassified to interest income. In the Parent company depreciation of leased equipment is reported as Depreciation, amortisation and impairment of tangible and intangible assets. Net interest income Interest income 43,913 32,316 Income from leases 6,154 877 Interest expense –38,464 –28,482 Depreciation of leased equipment –4,735 –302 Total 6,868 4,409 4 Net fee and commission income Group Parent company 2007 2006 2007 2006 Issue of securities 335 290 1,192 1,155 Secondary market shares1) 3,153 3,100 572 785 Secondary market other 598 531 569 534 Custody and mutual funds 7,165 6,184 2,454 2,159 Securities commissions 11,251 10,105 4,787 4,633 Payments 1,808 1,787 1,116 1,123 Card fees 4,093 3,730 163 156 Payment commissions 5,901 5,517 1,279 1,279 Lending 1,055 946 718 537 Deposits 89 124 67 67 Advisory 1,473 1,742 378 551 Guarantees 264 278 152 180 Derivatives 363 384 305 280 Other 1,004 849 769 847 Other commissions 4,248 4,323 2,389 2,462 Fee and commission income 21,400 19,945 8,455 8,374 Securities commissions1) –902 –698 –260 –174 Payment commissions –2,373 –2,150 –520 –490 Other commissions –1,074 –951 –551 –547 Fee and commission expense –4,349 –3,799 –1,331 –1,211 Total 17,051 16,146 7,124 7,163 1) Group adjusted for gross fees for lending in 2006, SEK 200m. SEB ANNUAL REPORT 2007 71
