DNB Group. Deutsche Bank conference, June 3 rd 2015 Rune Bjerke, CEO of DNB
|
|
- Vernon Hunt
- 5 years ago
- Views:
Transcription
1 DNB Group Deutsche Bank conference, June 3 rd 2015 Rune Bjerke, CEO of DNB
2 Financial ambitions and 2017 Return on equity > 12 per cent Min. 14% CET1 ratio* as capital level > 50% dividend Once capital level is reached 2 * Based on transitional rules
3 Four most frequently asked questions by investors 3
4 I Are you on track to meeting your current and future capital requirements? 4
5 Strong capital accumulation driven by gross earnings CET 1 capital ratio, transitional rules as at 31 March, per cent CET 1 capital ratio, Basel III* as at 31 March, per cent Leverage ratio, Basel III as at 31 March, per cent ** ** * Fully-loaded Basel III estimate ** As at 31 June 2012
6 Capital ratios are sensitive to currency fluctuations 9.00 USD/NOK* Factors affecting the CET1 ratio 2016 effect, bps % USD/NOK EUR/NOK - 45 bps % Currency effects % USD/NOK EUR/NOK + 45 bps 6 *Updated as of May 29 th 2015,
7 The minimum 14% CET1 capital target remains firm - identified capital efficiency measures in the range of bps* Financial restructuring Realisation of capital gains CET1 RWA CET1 ratio Asset disposal Active portfolio management Capital-efficient products IRB approvals (Do not apply under transitional rules) 7 *up to 2016 under transitional rules
8 DNB the relative winner? DNB risk weights transitional rules??? Future risk weights Basel 4???? Current IRB risk weights 8
9 II Will growth in quality earnings continue? 9
10 Continued growth in net interest income Net interest income NOK million Net interest income expectations for 2015 Expected lending growth of 3-4 per cent Stable development in volumeweighted spreads CAGR 8.5%
11 Deposit repricing potential across customer segments Deposits in retail banking* Deposits with repricing potential Low-yielding deposits / other LCI** maturing volumes and spreads public clients NOK billion, bps 38% Total NOK 536 billion Total = NOK 522 billion 62% Average maturity May March April 11 * Personal customers and SMEs, ** Large Corporates and International
12 Sound growth in other quality earnings New pension products Assets under management, NOK billion Private banking Assets under management, NOK billion Corporate finance Revenues in NOK million Investments Deposits CAGR 55% Q Q115 Expect underlying growth of 5% in net commissions and fees 12
13 III Will DNB be able to compete in a new digital banking reality? 13
14 Our customers prefer digital banking Share of customer traffic Sales digital vs. traditional Savings agreements Car loans Mobile banking: 42% Text message banking: 25 % Manual 14 % Digital 86 % Manual; 50% Digital; 50% Online banking: 30% Insurance Digital 11 % Consumer loans Manual; 36% Call Center: 2% Branch office: 1% Manual 89 % Digital; 64% 14
15 Modernising the way we do banking Number of manual transactions in branches Key takeaways Reduction so far: 67% Goal: 75% Fundamentally changing the way we operate our branches: o Eliminated manual cash handling o Moving manual banking transactions to digital channels Continued reduction in number of branches 15
16 Keeping our best-in-class cost-efficiency position Cost/income DNB vs peer groups Per cent C/I ambition for European banks (top 50)* Nordic peer group DNB ~40% Combination of top-line growth and cost focus 16 * Based on total assets Source: SNL Financial
17 IV Lower oil price - Is there any sign of secondary effects for Norway and DNB? 17
18 Economic growth in Norway is slowing down - but the landing is soft and at a comfortable level GDP growth and unemployment Year on year, per cent 7% Mainland GDP growth Unemployment rate 6% 5% 4% 3.5 % 4.1 % 4.4 % 4.5 % 4.4 % 3% 2% 1% 0% -1% e 2016e 2017e 2018e -2% 18 Source: Statistics Norway/DNB Markets forecasts
19 Two powerful tools to ensure a stable macroeconomic development Central bank rates Per cent Monetary policy Higher interest rates in Norway than in the rest of Europe ECB Sweden Norway Fiscal policy Large public wealth gives ample leeway to smooth business cycles National budget structural, non-oil deficit 2015 prices, NOK billion Structural, non-oil deficit 4 per cent return on the fund capital e Source: Thomson Datastream, DNB Markets
20 DISCLAIMER CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS The statements contained in this presentation may include forward-looking statements such as statements of future expectations. These statements are based on the management s current views and assumptions and involve both known and unknown risks and uncertainties. Although DNB believes that the expectations reflected in any such forward-looking statements are reasonable, no assurance can be given that such expectations will prove to have been correct. Actual results, performance or events may differ materially from those set out or implied in the forward-looking statements. Important factors that may cause such a difference include, but are not limited to: (i) general economic conditions, (ii) performance of financial markets, including market volatility and liquidity (iii) the extent of credit defaults, (iv) interest rate levels, (v) currency exchange rates, (vi) changes in the competitive climate, (vii) changes in laws and regulations, (viii) changes in the policies of central banks and/ or foreign governments, or supra-national entities. DNB assumes no obligation to update any forward-looking statement. 20
21
DNB on track. Rune Bjerke CEO
DNB on track Rune Bjerke CEO Financial ambitions - 2016 and 2017 Return on equity > 12 per cent Min. 14% CET1-ratio* as capital plateau > 50% dividend when capital plateau is reached 1 * Based on transitional
More informationRESULTS DNB GROUP SECOND QUARTER 2015 AS OF 10 JULY 2015 INVESTOR MEETINGS ZÜRICH & GENÈVE. Terje Turnes (CRO) Jan Erik Gjerland (IR)
Q2 RESULTS DNB GROUP SECOND QUARTER 2015 AS OF 10 JULY 2015 INVESTOR MEETINGS ZÜRICH & GENÈVE Terje Turnes (CRO) Jan Erik Gjerland (IR) Second quarter 2015 Pre-tax operating profit before impairment in
More informationWealth Management Releasing our potential in high-growth markets
Wealth Management Releasing our potential in high-growth markets Private Banking: moving from traditional banker to wealth manager Defined contribution: profitable growth by accumulating assets under management
More informationDNB on track. Rune Bjerke CEO
DNB on track Rune Bjerke CEO Financial ambitions - 2016 and 2017 Return on equity > 12 per cent Min. 14% CET1-ratio* as capital plateau > 50% dividend when capital plateau is reached 1 * Based on transitional
More informationEquity story. December 2017
Equity story December 2017 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017E 2018E 2019E 2020E Operating in a robust Norwegian economy Positive GDP growth and low unemployment rates Norwegian GDP
More informationFrom the DNB NXT Conference in October 2016
DNB Group Results Rune Bjerke (CEO) Kjerstin Braathen (CFO) 28.04.2017 From the DNB NXT Conference in October Profits on track sound trend in net interest income Net interest income increased by NOK 149
More informationRESULTS DNB GROUP 1ST QUARTER Rune Bjerke (CEO) Bjørn Erik Næss (CFO)
Q1 RESULTS DNB GROUP 1ST QUARTER 2015 Rune Bjerke (CEO) Bjørn Erik Næss (CFO) First quarter 2015 Pre-tax operating profit before impairment in NOK billion 9.3 (7.4) Cost/income ratio in per cent 37.0 (41.3)
More informationSix good reasons for choosing DNB in the new banking environment
Six good reasons for choosing DNB in the new banking environment Bank of America Merrill Lynch, 18th Annual Banking & Insurance CEO Conference 2013 24 September, London Rune Bjerke, CEO of DNB 1 Reason
More informationAdapting to a new banking reality
Adapting to a new banking reality Morgan Stanley Financials Conference March 21, 2013 1 Bjørn Erik Næss CFO of DNB Profit figures last five years Pre-tax operating profit before impairment (NOK million)
More informationInvestor presentation
Q2 Investor presentation RESULTS DNB GROUP SECOND QUARTER AND FIRST HALF Rune Bjerke (CEO) Bjørn Erik Næss (CFO) Second quarter Pre-tax operating profit before impairment in NOK billion 6.7 (6.1) Cost/income
More informationRESULTS DNB GROUP. Rune Bjerke (CEO) Bjørn Erik Næss (CFO)
RESULTS DNB GROUP Rune Bjerke (CEO) Bjørn Erik Næss (CFO) 28.04.2016 First quarter 2016 Pre-tax operating profit in NOK billion 6.8 (8.7) Cost/income ratio in per cent 41.8 (37.0) Return on equity in per
More informationRESULTS DNB GROUP FOURTH QUARTER 2015
Q4 RESULTS DNB GROUP FOURTH QUARTER Rune Bjerke (CEO) Bjørn Erik Næss (CFO) 04.02.2016 Full year Pre-tax operating profit before impairment in NOK billion 34.1 (28.7) Cost/income ratio in per cent 36.9
More informationRESULTS DNB GROUP FOURTH QUARTER
RESULTS DNB GROUP FOURTH QUARTER 03.02.2017 Major achievements in 2016 CET1 ratio requirement reached one year ahead of plan. CET1 ratio 16.0 per cent. Leverage ratio 7.3 per cent, well above the upcoming
More informationEquity story. February 2018
Equity story February 2018 1 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017e 2018e 2019e 2020e 2007 2008 2010 2011 2012 2013 2014 2015 2016 2017e 2018e 2019e 2020e 2008 2009 2010 2011 2012 2013
More informationDNB Group Results. Rune Bjerke (CEO) Kjerstin Braathen (CFO)
DNB Group Results Rune Bjerke (CEO) Kjerstin Braathen (CFO) 26 October 2017 Through Digital Challenge, DNB challenged technology students to define how the future of mobile banking should look Highlights
More informationCan performance continue?
Can performance continue? UBS 13 th Annual Nordic Financial Services Conference 2 September 21 CEO Rune Bjerke Strong pre-crisis position 35 3 25 2 15 1 5 3 25 2 15 1 5 2 4 Pre-crisis market capitalisation
More informationCapital efficiency and cost control. Bjørn Erik Næss, CFO
Capital efficiency and cost control Bjørn Erik Næss, CFO 4 Capital efficiency and cost control Adequately capitalised Strict cost control Strong funding position 2 Macro parameters Norway - key assumptions
More informationEquity story. October 2018
Equity story October 2018 1 Positive macroeconomic development in Norway Mainland GDP and unemployment rate Per cent Mainland business investments 1Q08=100, three quarters moving average Housing prices
More informationFourth Quarter and Full Year Results Press Conference Casper von Koskull, president, Group CEO
Fourth Quarter and Full Year Results 2015 Press Conference Casper von Koskull, president, Group CEO Disclaimer This presentation contains forward-looking statements that reflect management s current views
More informationDnB NOR Norway and beyond
DnB NOR 2008-2010 Norway and beyond Presentation by Rune Bjerke, group chief executive Capital Markets Day, 9 October 2007 DnB NOR has a strong track record Development in pre-tax operating profit before
More informationNordea Retail Banking. Sampo Analyst Day 29 August 2013 Topi Manner, Head of Banking Finland
Nordea Retail Banking Sampo Analyst Day 29 August 2013 Topi Manner, Head of Banking Finland Disclaimer This presentation contains forward-looking statements that reflect management s current views with
More informationDnB NOR Group. Bjørn Erik Næss, chief financial officer. Goldman Sachs European Financials Conference, June
DnB NOR Group Bjørn Erik Næss, chief financial officer Goldman Sachs European Financials Conference, June 10 2010 Agenda DnB NOR and the Norwegian economy Basel III new regulations Actions ahead of Basel
More informationDnB NOR Group. Bjørn Erik Næss, chief financial officer. SEB Enskilda Nordic Banks Seminar, May
DnB NOR Group Bjørn Erik Næss, chief financial officer SEB Enskilda Nordic Banks Seminar, May 26 2010 Agenda DnB NOR in 2010 - status Basel III new regulations Actions ahead of Basel III Growth opportunities
More informationSecond quarter DNB Group Results. Rune Bjerke (CEO) Kjerstin Braathen (CFO) 12 July 2018
Q2 Second quarter 2018 DNB Group Results Rune Bjerke (CEO) Kjerstin Braathen (CFO) 12 July 2018 Approaching ROE >12 per cent Return on equity Per cent, 12-month trailing average 11.6 Return on equity 11.8
More informationCAPITAL MARKETS DAY. 21 November 2017
CAPITAL MARKETS DAY 21 November 2017 DNB Capital Markets Day 2017 Time Title On stage 12.30 DNB towards 2020 Rune Bjerke 12.50 ROE target within reach Kjerstin Braathen 13.20 High portfolio quality Terje
More informationQ3 RESULTS DNB GROUP THIRD QUARTER Roadshow London, Edinburgh and Dublin
Q3 RESULTS DNB GROUP THIRD QUARTER 2015 Roadshow London, Edinburgh and Dublin 22.10.2015 Third quarter 2015 Pre-tax operating profit before impairment in NOK billion 8.1 (7.6) Cost/income ratio in per
More informationDNB GROUP. Goldman Sachs European Financials Conference Madrid June 2014
DNB GROUP Goldman Sachs European Financials Conference Madrid 10-12 June 2014 DNB - Norway s Leading Financial Services Group - Market leader in Norway and leading within selected global industries Significant
More informationBuilding for the future
Building for the future Sanford C. Bernstein Pan-European Strategic Decisions Conference 18 September 2014 Christian Clausen, President and Group CEO Disclaimer This presentation contains forward-looking
More informationNordea s strategic direction Morgan Stanley European Financials Conference 28 March, Christian Clausen, President and Group CEO
Nordea s strategic direction Morgan Stanley European Financials Conference 28 March, 2012 Christian Clausen, President and Group CEO Disclaimer This presentation contains forward-looking statements that
More informationCopenhagen Winter Seminar
Copenhagen Winter Seminar Tonny Thierry Andersen Executive Board member Global Head of Personal Banking 2 December 2015 Well on track to deliver on all of our ambitions for 2015 Target Status after Q3
More informationCMD FINANCE NORWAY CMD
Q4 CMD FINANCE NORWAY CMD LONDON, 10. MARCH 2016 CFO BJØRN ERIK NÆSS DNB has delivered strong profit growth Net interest income NOK million Pre-tax operating profit before impairment NOK million 25 252
More informationDnB NOR Group 1st half and 2nd quarter 2010 results. Bjørn Erik Næss, chief financial officer
DnB NOR Group 1st half and 2nd quarter 2010 results Rune Bjerke, group chief executive Rune Bjerke, group chief executive Bjørn Erik Næss, chief financial officer 1st half and 2nd quarter 2010 Rising credit
More informationSecond Quarter Results 2014 Investor presentation
Second Quarter Results 2014 Investor presentation Second Fourth Quarter and Results 2015 Full Third Year Quarter Results Results 2014 2015 Press conference Christian Investor Press Conference Clausen,
More informationFourth quarter and full year results 2018
Fourth quarter and full year results 2018 Disclaimer This presentation contains forward-looking statements that reflect management s current views with respect to certain future events and potential financial
More informationDnB NOR Group. Roar Hoff, Head of Group Risk Analysis. Nordic Bank Seminar, 3 June 2010, Copenhagen
DnB NOR Group Roar Hoff, Head of Group Risk Analysis Nordic Bank Seminar, 3 June 2010, Copenhagen Agenda DnB NOR and the Norwegian economy Basel III new regulations Actions ahead of Basel III 2 DnB NOR
More informationSecond quarter 2013 results Strengthened customer relations, flat costs and higher capital
Second quarter 2013 results Strengthened customer relations, flat costs and higher capital International telephone conference 17 July 2013 Christian Clausen, Group CEO Disclaimer This presentation contains
More informationDNB Bank. A company in the DNB Group. Third quarter report 2018 (Unaudited)
DNB Bank A company in the DNB Group Q3 Third quarter report 2018 (Unaudited) Financial highlights Income statement 3rd quarter 3rd quarter January-September Full year Amounts in NOK million 2018 2017 2018
More informationNew Standards update on initiatives
New Standards update on initiatives Elisabeth Toftmann Klintholm Chief IR Officer Nordea Large Cap Seminar Stockholm, 28 May 2013 Vision Recognised as the most trusted financial partner Customer satisfaction
More informationFinancial Ambition 2017 ING Investor Day Patrick Flynn CFO, Member Executive Board ING Group. Amsterdam - 31 March 2014
Financial Ambition 2017 ING Investor Day Patrick Flynn CFO, Member Executive Board ING Group Amsterdam - 31 March 2014 www.ing.com We entered the final phase to become a pure Bank 2009-2011 2012-2013 2014-2017
More informationTelephone Conference Q2-18 Johan Torgeby President & CEO 17 July, 2018
Telephone Conference Q2-18 Johan Torgeby President & CEO 17 July, 2018 Highlights Jan-Jun 2018 Pick-up in customer activity following a muted start of the year Broad based demand for SEB s services Strong
More informationSecond Quarter Results 2014 Investor presentation
Second Quarter Results 2014 Investor presentation Fourth Quarter and Full Year Results 2014 Berenberg European Conference USA 2015 Torsten Hagen Jørgensen, Group CFO Investor presentation Christian Clausen,
More informationFirst quarter report 2009 Unaudited. DnB NOR Bank ASA
First quarter report 2009 Unaudited Financial highlights First quarter 2009 Pre-tax operating profits before write-downs were NOK 6.0 billion (1.9) Profit for the period was NOK 3.1 billion (1.4) Return
More informationCompany presentation. Third quarter October Norway s fastest growing region is our home market
Company presentation Third quarter 2018 26 October 2018 - Norway s fastest growing region is our home market Summary Good profitability and continued strong lending growth Summary third quarter 2018 High
More informationSEB Annual Accounts Annika Falkengren President & CEO
SEB Annual Accounts 2016 Annika Falkengren President & CEO Highlights 2016 Lower interest rates for longer and market uncertainty Pick up in customer activity towards the end of the year Robust capital
More informationThe successful challenger ING Investor Day Roland Boekhout CEO ING-DiBa, Head of ING Germany. Amsterdam - 31 March 2014
The successful challenger ING Investor Day Roland Boekhout CEO, Head of ING Germany Amsterdam - 31 March 2014 www.ing.com ING Germany is uniquely positioned to build on its success Key messages We have
More informationAnnika Falkengren. President and CEO. Result presentation. January September 2010
Annika Falkengren President and CEO Result presentation January September 2010 Highlights Income Seasonally slow quarter supported by diversified earnings Further improved asset quality Baltics back in
More informationBank of America Merrill Lynch 28 September, Jan Erik Back CFO
Bank of America Merrill Lynch 28 September, 2016 Jan Erik Back CFO 1 Well diversified business in a strong economic environment Operates principally in economically robust AAA rated European countries
More informationDNB Group. Third quarter report 2018 (Unaudited) Creating value for customers, shareholders, employees and society at large.
DNB Group Q3 Third quarter report 2018 (Unaudited) Creating value for customers, shareholders, employees and society at large. Financial highlights Income statement 3rd quarter 3rd quarter January-September
More informationSEB Enskilda Nordic Banks Seminar. Stockholm, 26 May Carl-Johan Granvik Group CRO
SEB Enskilda Nordic Banks Seminar Stockholm, 26 May 2010 Carl-Johan Granvik Group CRO Disclaimer This presentation contains forward-looking statements that reflect management s current views with respect
More informationChristian Clausen, President and Group CEO
First Quarter Results 2014 Press conference Christian Clausen, President and Group CEO Christian Clausen, President and Group CEO Highlights Nordea delivers stable income and improving cost efficiency
More informationHandelsbanken Nordic Large Cap Seminar 14 September Michael Wolf, CEO
Handelsbanken Nordic Large Cap Seminar 14 September 2010 Michael Wolf, CEO Progress continued throughout Q2 Net profit of SEK 1.6bn Improved credit quality Term funding YTD higher than full year maturities
More informationGoldman Sachs Roadshow 6-7 December Gunn Wærsted Executive Vice President, Head of Wealth Management
Goldman Sachs Roadshow 6-7 December 2012 Gunn Wærsted Executive Vice President, Head of Wealth Management Disclaimer This presentation contains forward-looking statements that reflect management s current
More informationBANK PEKAO SA. Delivering sustainable profitability on the back of scale and market leadership
BANK PEKAO SA Delivering sustainable profitability on the back of scale and market leadership Bank of America Merrill Lynch Banking & Insurance CEO Conference London, 26.09.2012 DISCLAIMER This presentation
More informationShaping the future relationship bank
Shaping the future relationship bank CEO Long term commitment, have a plan, future oriented continue on the road we have set out on, Stable, trustworthy Christian Clausen President and Group CEO 1 Nordea
More informationSecond quarter results 2018
Second quarter results 2018 Disclaimer This presentation contains forward-looking statements that reflect management s current views with respect to certain future events and potential financial performance.
More informationDNB Bank. A company in the DNB Group. First quarter report 2018 (Unaudited)
DNB Bank A company in the DNB Group Q1 First quarter report 2018 (Unaudited) Financial highlights Income statement 1st quarter 1st quarter Full year Amounts in NOK million 2018 2017 2017 Net interest income
More information21 st Annual Financials CEO conference
21 st Annual Financials CEO conference Bank of America Merrill Lynch Jacob Aarup-Andersen Chief Financial Officer September 2016 Five drivers of change will affect the financial sector Macroeconomics Customer
More informationGjensidige Bank Investor Presentation Q July 2017
Gjensidige Bank Investor Presentation Q2 2017 14. July 2017 Disclaimer This presentation and the information contained herein have been prepared by and is the sole responsibility of Gjensidige Bank ASA
More informationSecond Quarter Results Casper von Koskull, President and Group CEO
Second Quarter Results 2017 Casper von Koskull, President and Group CEO Disclaimer This presentation contains forward-looking statements that reflect management s current views with respect to certain
More informationMorgan Stanley European Financials Conference, London 27 March Jan Erik Back CFO SEB
Morgan Stanley European Financials Conference, London 27 March 212 Jan Erik Back CFO SEB In the new world, what are SEB s priorities? Relationship banking as the key franchise driver Response to the new
More informationNorwegian Finans Holding ASA
Norwegian Finans Holding ASA DNB Small & Medium Enterprises Conference 2019 4. april 2019 Tine Wollebekk, CEO Leading digital consumer bank in the Nordics Fully digital bank with a focused product portfolio
More informationExecutive Board meeting. 14 December 2011
Executive Board meeting December EU measures ECB Key policy rate has been reduced to. percent Measures: Liquidity operation with a maturity of months Reserve requirements reduced from to per cent Reduced
More informationAnnual Accounts Annika Falkengren President & CEO
Annual Accounts 2014 Annika Falkengren President & CEO Unique economic environment Key Interest rates % 2.00 1.80 1.60 1.40 1.20 1.00 0.80 0.60 0.40 0.20 0.00 Jan-14 Sweden Norway Eurozone Feb-14 Mar-14
More informationYapı Kredi 2017 Earnings Presentation
Yapı Kredi 2017 Earnings Presentation 6 February 2018 Strong results leading to above guidance performance 3.6 bln TL Net Income +33% y/y 1 Ongoing strategy supporting net profit 13.6% ROATE 2 +170 bps
More informationDNB Group FACT BOOK. Second quarter 2013 (UNAUDITED) - ADJUSTED ACCORDING TO NEW CUSTOMER SEGMENTS -
2 DNB Group FACT BOOK Second quarter 2013 (UNAUDITED) - ADJUSTED ACCORDING TO NEW CUSTOMER SEGMENTS - Chapter 1 - Financial results DNB Group 0 Group business structure and financial governance 0.1 Legal
More informationBest of Switzerland. Lukas Gähwiler CEO UBS Switzerland. September 20, 2012
Best of Switzerland Lukas Gähwiler CEO UBS Switzerland September 20, 2012 Cautionary statement regarding forward-looking statements This document contains statements that constitute forward-looking statements,
More informationDNB Bank. A company in the DNB Group. SECOND QUARTER AND FIRST HALF REPORT 2017 (Unaudited)
DNB Bank A company in the DNB Group SECOND QUARTER AND FIRST HALF REPORT 2017 (Unaudited) Financial highlights Income statement 2nd quarter 2nd quarter January-June Full year Amounts in NOK million 2017
More informationAnnika Falkengren. President and CEO. Result presentation
Annika Falkengren President and CEO Result presentation 2010 Highlights Income Solid results given present macroeconomic climate Lower provisioning for credit losses and no new NPL formation Provisions
More informationQ3 Investor presentation
Q3 Investor presentation RESULTS DNB GROUP THIRD QUARTER Rune Bjerke (CEO) Bjørn Erik Næss (CFO) Third quarter Pre-tax operating profit before impairment in NOK billion 7.6 (6.8) Cost/income ratio in per
More informationInvestor Presentation. Result presentation. January September 2010
Investor Presentation Result presentation January September 2010 Highlights Income Seasonally slow quarter supported by diversified earnings Further improved asset quality Baltics back in black Profit
More informationGoldman Sachs Financials Conference. Sustaining profitability despite challenging funding conditions. Frans Lindelöw
Goldman Sachs Financials Conference Sustaining profitability despite challenging funding conditions Frans Lindelöw Group Executive Management Berlin, 13 June 2008 Disclaimer This presentation contains
More informationSecond Quarter Results 2014 Investor presentation
Second Quarter Results 2014 Investor presentation Second Fourth Quarter and Results 2015 Full Third Year Quarter Results Results 2014 2015 Press conference Christian Investor Press Conference Clausen,
More informationCapital & risk management
S E B E N S K I L D A S E M I N A R Capital & risk management In the world of CRD Tonny Thierry Andersen CFO & Member of the Executive Board October 9, 2006 Basel I Return on Equity CRD Risk adjusted performance
More informationDNB GROUP. Third quarter report 2014 (Unaudited)
Q3 DNB GROUP Third quarter report 2014 (Unaudited) Financial highlights Income statement 3rd quarter 3rd quarter January-September Full year Amounts in NOK million 2014 2013 2014 2013 2013 Net interest
More informationBoA Merrill Lynch Banking & Insurance CEO Conference London, 25 September 2012
BoA Merrill Lynch Banking & Insurance CEO Conference London, 25 September 2012 Annika Falkengren President & CEO The message from last year s conference Stability Sustainable growth Continuous improvement
More informationNomura Annual Financials Conference 31 August Fredrik Rystedt. Group CFO / EVP
Nomura Annual Financials Conference 31 August 2011 Fredrik Rystedt Group CFO / EVP Disclaimer This presentation contains forward-looking statements that reflect management s current views with respect
More informationHighlights Q3/16 vs. Q3/15*
1 Disclaimer This presentation contains forward-looking statements that reflect management s current views with respect to certain future events and potential financial performance. Although Nordea believes
More informationFinancial results 2017
Thomas F. Borgen Chief Executive Officer Jacob Aarup-Andersen Chief Financial Officer 2 February 2018 Agenda Executive summary Business unit update Selected topics Outlook for full-year 2018 Q&A Appendix
More informationDNB GROUP FACT BOOK. First quarter 2015 (Unaudited) Released 30 April 2015
Q1 DNB GROUP FACT BOOK First quarter 2015 (Unaudited) Released 30 April 2015 FACT BOOK DNB - 1Q15 Contact information Group Chief Executive Rune Bjerke For further information, please contact Bjørn Erik
More informationHandelsbanken January December February 2014
Handelsbanken January December 5 February 2014 Q307 Q407 Q108 Q208 Q308 Q408 Q109 Q209 Q309 Q409 Q110 Q210 Q310 Q410 Q111 Q211 Q311 Q411 Q112 Q212 Q312 Q412 Q113 Q213 Q313 Q413 Average annual growth in
More informationBAWAG Group Annual General Meeting May 2018 BAWAG Group AG 1
BAWAG Group Annual General Meeting 2018 7 May 2018 BAWAG Group AG 1 Managing Board of BAWAG Group Anas Abuzaakouk David O Leary Chairman of the Managing Board Chief Executive Officer Member of the Managing
More informationTITLE SLIDE IS IN SENTENCE CASE. GREEN BACKGROUND.
TITLE SLIDE IS IN SENTENCE CASE. GREEN BACKGROUND. BANK OF AMERICA MERRILL LYNCH CEO CONFERENCE António Horta-Osório 00 Month 0000 Presenters Name 29 September 2015 AGENDA A differentiated business model
More informationCommon Equity Tier 1 ratio increased to 12.5% (end of March 2016: 12.0%); non-performing loan ratio still very low at 1.5%
Press release For business editors 9 May 2017 Commerzbank: Operating Profit of 314m and Improved Capital Ratio Operating profit of 314m for first quarter 2017 (Q1 2016: 282m) Net profit of 217m for first
More informationDNB Bank. A company in the DNB Group. Second quarter and first half report 2018 (Unaudited)
DNB Bank A company in the DNB Group Q2 Second quarter and first half report 2018 (Unaudited) Financial highlights Income statement DNB Bank Group 2nd quarter 2nd quarter January-June Full year Amounts
More informationInvestor presentation
FY17 INVESTOR PRESENTATION 1 18 August 2017 Investor presentation FY17 Agenda FY17 INVESTOR PRESENTATION 1. Overview & strategic landscape Melos Sulicich CEO & Managing Director 2. Financial results David
More informationErste Group posts net profit of EUR million in H1 17. Press conference 4 August Page 1
Erste Group posts net profit of EUR 624.7 million in H1 17 Press conference 4 August 2017 Page 1 Business environment Central and Eastern Europe is the fastest growing EU region 2017 2018 Real GDP growth
More informationHandelsbanken January June July 2013
Handelsbanken January June 2013 17 July 2013 Q307 Q407 Q108 Q208 Q308 Q408 Q109 Q209 Q309 Q409 Q110 Q210 Q310 Q410 Q111 Q211 Q311 Q411 Q112 Q212 Q312 Q412 Q113 Q213 Handelsbanken Group Average annual growth
More informationAnnual results presentation. 29 January 2018
Annual results presentation 2017 29 January 2018 1 Disclaimer This document was originally prepared in Spanish. The English version published here is for information purposes only. In the event of any
More informationInvestor presentation. January September
Investor presentation January September 2007 1 Outline Business activity and financial performance Comments on The current market situation and fixed income securities portfolios The Baltic countries The
More informationInvestor Presentation. Annual Accounts
Investor Presentation Annual Accounts SEB a unique Nordic Bank Relationships Corporates Stability 2 Unique corporate franchise Truly embedded corporate bank Mergers & Acquisitions Foreign Exchange Trade
More informationDNB Group. First quarter report 2018 (Unaudited) Creating value for customers, shareholders, employees and society at large.
DNB Group Q1 First quarter report 2018 (Unaudited) Creating value for customers, shareholders, employees and society at large. Financial highlights Income statement 1st quarter 1st quarter Full year Amounts
More informationEquity story. 2 November 2017
Equity story 2 November 2017 Key messages Nordic universal bank Solid foothold across all our four Nordic markets Longer-term ambition of at least 12.5% in 2018 Strong focus on cost management Significant
More informationNatixis Deutsche Bank Global Financial Services Conference
Natixis Deutsche Bank Global Financial Services Conference May 29, 2018 - New York DISCLAIMER This media release may contain objectives and comments relating to the objectives and strategy of Natixis.
More informationInvestor Relations. Q results. analyst & investor call presentation 8 November 2017
Investor Relations Q3 217 results analyst & investor call presentation 8 November 217 Highlights at Q3 Net profit up 11% at EUR 673m reflecting lower costs and low impairments Mortgage, commercial and
More informationThird quarter results 2017
Third quarter results 2017 Disclaimer This presentation contains forward-looking statements that reflect management s current views with respect to certain future events and potential financial performance.
More informationBank of Ireland Presentation October As at 1 Oct 2014
Bank of Ireland Presentation October 2014 As at 1 Oct 2014 1 Forward-Looking statement This document contains certain forward-looking statements within the meaning of Section 21E of the US Securities Exchange
More informationINTERIM FINANCIAL STATEMENTS MANAGEMENT'S REPORT BUSINESS UNITS STATEMENTS
MANAGEMENT'S REPORT Financial highlights Executive summary 3 4 Strategy execution 6 Customer satisfaction 8 Outlook for 2015 9 Financial review 10 BUSINESS UNITS Personal Banking 15 Business Banking 17
More informationQ results. analyst and investor call presentation. Investor Relations 17 February 2016
Q4 2015 results analyst and investor call presentation Investor Relations 17 February 2016 Dutch economic indicators (1/2) GDP Consumer spending PMI Q-o-Q, source Thomson Reuters Datastream, CBS (Statistics
More informationInvestor presentation. Result presentation
Investor presentation Result presentation 21 Highlights Income Solid results given present macroeconomic climate Lower provisioning for credit losses and no new NPL formation Provisions for credit losses
More informationNordax A Leading Niche Bank in Northern Europe Q1 REPORT 2017 APRIL 26
Nordax A Leading Niche Bank in Northern Europe REPORT APRIL 26 88 MSEK NET PROFIT (93 MSEK) 0.80 SEK EARNINGS PER SHARE (0.84 SEK) 14% 14.3% LOAN PORTFOLIO GROWTH CET 1 RATIO (14.0% ) 2 131 MSEK ADJUSTED
More information