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APPENDIXIncrease in net interest incomeNet interest incomeOperating profit and return on equitySEK bn SEK M %1 200<strong>30</strong>071 000250680020056001504340010022005010<strong>June</strong> 2008 <strong>June</strong> 2009 <strong>June</strong> 2010 <strong>June</strong> 2011 <strong>June</strong> <strong>2012</strong>0<strong>June</strong> 2008 <strong>June</strong> 2009 <strong>June</strong> 2010 <strong>June</strong> 2011 Juni <strong>2012</strong>0• Operating income rose a total of 28% to SEK 931 M (725), due to higher netinterest income.• Improved lending margins and higher lending and deposit volumes increasednet interest income by 23% to SEK 1,003 M (814).• The investment margin strengthened to 1.12% (1.06).• Earnings are increasing and the return on equity is strengthening.