Swedbank in brief 2-3 Asset quality Macro economic indicators 4-5 Credit impairments 43

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2 Contents page page General information 2 Asset quality 39 Swedbank in brief 2-3 Asset quality Macro economic indicators 4-5 Credit impairments 43 Financial information, Group 6 Loans by collateral type and Assets taken over 44 Income statement, 5-year summary 6 Private Mortgage loans Income statement, 9-quarter summary 7 Concentration risk 46 Balance sheet, 5-year summary 8 Capital adequacy 47 Balance sheet, 9 quarters, Equity and Goodwill 9 Credit risks, EAD distribution by business segment and by 47 Statement of changes in equity 10 customer segments Net interest income analysis 11 Capital adequacy parameters for credit risk - business segments 48 Income analysis 12 Capital adequacy parameters for credit risk - customer segment Expense analysis 13 Capital adequacy, consolidated situation and leverage ratio 51 Variable pay 14 Estimated capital requirements by entity, Change in REA and 52 Business segments 15 Outstanding subordinated debt Swedish Banking ICAAP Scenario based stress test Baltic Banking 17 Liquidity & Funding 55 Baltic Banking Liquidity reserve and additional Liquid Assets 55 Estonia 19 Survival horizon 56 Latvia 20 Liquidity ratios 57 Lithuania 21 Debt securities in issue 58 Other 22 Issued long-term debt, by currency 59 Large Corporates & Institutions Maturity distribution, long-term funding 60 Group Functions & Other Outstanding benchmark bonds 61 Group Treasury 27 Outstanding short-term funding 62 Other 28 Maturity distribution, total balance sheet Eliminations 29 Asset encumbrance Product companies 30 Cover pool data Swedbank Robur AB Swedbank Mortgage AB, loan data 69 Swedbank Insurance Rating 70 Baltic Life Insurance 34 Key figures Baltic P&C Insurance 35 Equity and assets, monthly 73 Business volumes 36 Market shares 74 Loans 36 Swedbank Group by geography 75 Deposits and amounts owed to credit institutions 37 Employees 76 Interest-bearing Securities and Exposures towards the 38 Currency distribution and exchange rates 77 GIIPS countries and Deferred Tax Assets 38 Sensitivity analysis and market risk 78 Shareholders and share data 79 Definitions 80 Contacts and financial calendar 81

3 Swedbank in brief General information Swedbank has roots firmly entrenched in Sweden's savings bank history, the cooperative agricultural bank tradition and Hansabanks's significant role in the Baltic countries. Swedbank has a leading position in its home markets of Sweden, Estonia, Latvia and Lithuania. Purpose To promote a sustainable financial situation for the many households and businesses Values Simple, Open, Caring Financial targets Return on equity: Return on equity of at least 15 per cent Cost efficiency: Market-leading cost efficiency Capitalisation: Solid capitalisation Long-term strategy Available full-service bank: We are convinced that simplicity and availability are necessary to build the trust and loyalty of our customers. So that customers can manage all their finances with us, we offer a comprehensive range of loans, payment services and savings products, ranging from basic transactional services such as consumer debit and credit cards to more complex advice for large companies and institutions. Our customers in Sweden and the Baltic countries can easily manage their finances through a distribution network comprising efficient digital solutions for day-to-day banking as well as more extensive personal advice. High cost efficiency: Greater transparency and more options for customers through digitisation also mean more price pressure on a number of banking products and services. To create value for customers, which requires both investments and competitive prices, our goal is to be the market leader in cost efficiency. This affects everything from how much capital we tie up to how effectively and well we work together. Offering what our customers need: Offering customers what they need and expect is critical to building trust and loyalty when digitisation gives customers more choice. By analysing the customer data we have and drawing on our advisors competence, we can more easily identify the financial services and products our customers need and more precisely target our offerings. Low risk: Keeping our risks low is the foundation to building public trust. It allows us to finance our operations through deposits from the public and funding from the capital markets as well as to lend capital to households and businesses at competitive prices and create sustainable growth. We achieve this through stable profitability combined with high-quality lending and solid capitalisation, but also through our ability to quickly adapt to changes in the market. 2

4 Swedbank in brief General information Sweden Population: 10.1m Private customers: 4.0m Corporate customers: Organisations: Branches: 186 ATMs 1) Cards: 4.0m Employees: Latvia Population: 1.9m Private customers: 0.9m Corporate customers: Branches: 33 ATMs: 367 Cards: 1.0m Employees: Estonia Population: 1.3m Private customers: 0.9m Corporate customers: Branches: 33 ATMs: 392 Cards: 1.1m Employees: Lithuania Population: 2.8m Private customers: 1.5m Corporate customers: Branches: 59 ATMs: 407 Cards: 1.7m Employees: ) ATMs are owned and operated by Bankomat AB. More information is available on To support the business in Swedbank's four home markets, Swedbank also has a presence in neighbouring Norway, Finland and Denmark as well as the US, China, South Africa and Luxembourg. Group operational structure The financial reporting is divided into four segments: Swedish banking (formed by the four Swedish regions), Baltic Banking (consisting of the three Baltic banks), Large Corporate & Institutions and Group Functions & Other. Group Functions & Other currently includes Group Treasury, Digital Banking, Group Lending & Payments, Group Savings, Group IT, Group CVM, other group functions. Board of Directors President and CEO Internal audit Swedish Banking Baltic Banking Large Corporates & Institutions Group functions & Other Group Treasury, Digital Banking, Group Lending & Payments, Group Savings, Group IT, Group CVM Group executive committee Birgitte Bonnesen, President and CEO Aet Altroff, Head of Customer Value Management (CVM) Girts Bērziņš, Head of Strategy within Digital Banking Mikael Björknert, Chief Strategy Officer Lars-Erik Danielsson, Chief Credit Officer Anders Ekedahl, Head of Group IT Björn Elfstrand, Head of Group Savings Charlotte Elsnitz, Head of Baltic Banking Ragnar Gustavii, Head of CEO Office Cecilia Hernqvist, Head of Group Compliance Anders Karlsson, Chief Financial Officer Leif Karlsson, Head of Group Lending & Payments Ola Laurin, Head of LC&I Lotta Lovén, Head of Digital Banking Helo Meigas, Chief Risk Officer Carina Strand, Head of HR Christer Trägårdh, Head of Swedish Banking 3

5 General information Macro economic indicators GDP growth Average inflation rate (consumer price growth) % 2020F 2019F 2018F % 2020F 2019F 2018F Sweden Sweden ,2 Estonia Estonia Latvia Latvia Lithuania Lithuania Current account balance, % of GDP General Government Financial Balance, % of GDP 2020F 2019F 2018F F 2019F 2018F Sweden Sweden Estonia Estonia Latvia Latvia Lithuania Lithuania ,2-0.7 General government debt, % of GDP 2020F 2019F 2018F GDP, 2017 GDP per capita (PPP) 2017, USD Inhabitants 2017 (millions) GDP 2017 (USDbn) Sweden Sweden Estonia Estonia Latvia Latvia Lithuania Lithuania Household debt, % of disposable income 1) Unemployment % 2020F 2019F 2018F Sweden Sweden Estonia 1) Estonia Latvia 1) Latvia Lithuania 1) Lithuania ) Gross debt-to-income ratio of households (ESA 2010) Source: Swedbank Reasearch - Macro Research, Eurostat, the World Bank & the Riksbank 4

6 Macro economic indicators General information Interest rates: Sweden & Eurozone, % Real estate price development, Sweden 1) Index, 2005= Stockholm Gothenburg Sweden Malmoe 1) House price index, monthly data (2005=100) for a single family home Source: Valueguard Index Sweden AB 2015 (Hox index) Real estate price development, Baltics EUR ) 3) Sep 2018 Tallinn Riga Vilnius 2) Average sales price per sqm for apartments Source: Land boards of respective country 3) Q data for Baltics will be available in Q Factbook. 5

7 Income statement, 5-year summary Financial information, Group Income statement, Group YTD YTD FY FY FY FY FY SEKm % ) ) ) 2013 Net interest income Net commission income 1) Net gains and losses on financial items Net insurance Share of the profit or loss of associates 2) Other income 1) Total income Staff costs Variable staff costs Other expenses Depreciation/amortisation Total expenses Profit before impairments Impairment of intangible assets Impairment of tangible assets Credit impairments Operating profit Tax expense 2) Profit for the period from continuing operations Profit for the period from discontinued operations, after tax Profit for the period including non-controlling interest Profit for the period attributable to: Shareholders of Swedbank AB Non-controlling interests Statement of Comprehensive Income YTD YTD FY FY FY FY FY SEKm % ) ) ) 2013 Profit for the period reported via Income statement Items that will not be reclassified to the income statement Remeasurements of defined benefit pension plans Share related to associates, Remeasurements of defined benefit pension plans Change in fair value attributable to changes in own credit risk of financial liabilities designated at fair value 22 Income tax Total Items that may be reclassified to the income statement Exchange differences on translating foreign operations: Gains/losses arising during the period Reclassification adjustments to Income statement, Net gains and losses on financial items or profit for the period from discontinued operation Reclassification adjustments to Income statement, net gains and losses on financial items Hedging of net investments in foreign operations: Gains/losses arising during the period Reclassification adjustments to Income statement, net gains and losses on financial items Reclassification adjustments to Income statement, profit for the period from discontinued operations Cash flow hedges: Gains/losses arising during the period Reclassification adjustments to Income statement, Net interest income Reclassification adjustments to Income statement, Net gains and losses on financial items -403 Reclassification adjustments to initial carrying amount of hedged item Foreign currency basis risk: Gains/losses arising during the period -72 Reclassification adjustments to income statement, Net gains and losses on financial items Share of other comprehensive income of associates Tax Income tax Reclassification adjustments to Income statement, tax Reclassification adjustments to Income statement, profit for the period from discontinued operations Total Other comprehensive income for the period, net of tax Total comprehensive income for the period Total comprehensive income attributable to: Shareholders of Swedbank AB Non-controlling interests ) Following a review of the services which are provided to the savings banks, Swedbank has moved a part of the income, which was previously reported under the line item Other Income, to Commission Income. Historic comparative figures have been restated. For the full year 2017, the change means that SEK 176m has moved from Other Income to Commission Income. The change has no impact on Swedbank s Total Income. 2) 2018 (Q1 to Q3) and 2017 results have been restated for changed presentation of tax related to associates. Refer to Note 1 in the Year-end report for further information. 3) Q includes effects from the acquisition of Sparbanken Öresund, other income of SEK 461m, staff costs of SEK 393m, other costs of SEK 222m and a positive effect on tax expenses of SEK 135m. 4) Q includes increased tax expense with 447 SEKm related to Estonian dividend and US tax. 5) Includes income in Q from Visa Inc s acquisition of Visa Europe, total effect SEK 2 115m of which Net gains and losses on financial items of SEK 457m, and Share of the profit or loss of associates of SEK 1 658m. In 2013 Swedbank decided to discontinue its operations in Russia and Ukraine. In Q the divestment of the Ukrainan subsidiary was finalised. From 1 January 2018, the results reflect that IFRS 9 Financial instruments has been adopted. Prior periods have not been restated. 6

8 Income statement, 9-quarter summary Financial information, Group Income statement, Group Q4 Q3 Q2 Q1 Q4 Q3 Q2 Q1 Q4 SEKm 2018 SEKm Net interest income Net commission income 1) Net gains/losses on financial items Net insurance Share of profit or loss of associates 2) Other income 1) Total income Staff costs Variable staff costs Other expenses Depreciation/amortisation Total expenses Profit before impairments Impairment of intangible assets Impairment of tangible assets Credit Impairments Operating profit Tax expense 2) Profit for the period from continuing operations Profit for the period from discontinued operations, after tax Profit for the period including non-controlling interest Profit for the period attributable to: Shareholders of Swedbank AB Non-controlling interests Statement of comprehensive income Q4 Q3 Q2 Q4 Q3 Q2 Q1 Q4 Q3 SEKm 2018 SEKm Profit for the period reported via Income statement Items that will not be reclassified to the income statement Remeasurements of defined benefit pension plans Share related to associates, Remeasurements of defined benefit pension plans Change in fair value attributable to changes in own credit risk of financial liabilities designated at fair value Income tax Total Items that may be reclassified to the income statement Exchange differences on translating foreign operations: Gains/losses arising during the period Reclassification adjustments to income statement, Net gains/losses on financial items or profit for the period from discontinued operation Reclassification adjustments to Income statement, net gains and losses on financial items 4 Hedging of net investments in foreign operations: Gains/losses arising during the period Reclassification adjustments to Income statement, net gains and losses on financial items 81 Reclassification adjustments to Income statement, profit for the period from discontinued operations Cash flow hedges: Gains/losses arising during the period Reclassification adjustments to Income statement, Net gains and losses on financial items Net interest income Foreign currency basis risk: Gains/losses arising during the period Reclassification adjustments to income statement, Net gains and losses on financial items Reclassification adjustments to Income statement, Net gains/losses on financial items Reclassification adjustments to initial carrying amount of hedged item Share of other comprehensive income of associates Tax Income tax relating to components of other comprehensive income Reclassification adjustments to Income statement, tax Reclassification adjustments to Income statement, profit for the period from discontinued operations Total Other comprehensive income for the period, net of tax Total comprehensive income for the period Shareholders of Swedbank AB ) Following a review of the services which are provided to the savings banks, Swedbank has moved a part of the income, which was previously reported under the line item Other Income, to Commission Income. Historic comparative figures have been restated. For the full year 2017, the change means that SEK 176m has moved from Other Income to Commission Income. The change has no impact on Swedbank s Total Income. 2) 2018 (Q1 to Q3) and 2017 results have been restated for changed presentation of tax related to associates. Refer to Note 1 in the Year-end report for further information. From 1 January 2018, the results reflect that IFRS 9 Financial instruments has been adopted. Prior periods have not been restated. 7

9 Balance sheet, 5-year summary Financial information, Group Balance sheet 31 Dec 31 Dec 1 Jan 31 Dec 31 Dec 31 Dec 31 Dec 31 Dec SEKm % Assets Cash and balances with central banks Loans to credit institutions Loans to the public Bonds and other interest-bearing securities Financial assets for which customers bear the investment risk Derivatives Other assets Total assets Liabilities and equity Amounts owed to credit institutions Deposits and borrowings from the public Debt securites in issue Financial liabilities for which customers bear the investment risk Derivatives Other liabilites Subordinated liabilities Equity Total liabilities and equity From 1 January 2018, the results reflect that IFRS 9 Financial instruments has been adopted. Prior periods have not been restated. 8

10 Financial information, Group Balance sheet 9 quarters, Equity and Goodwill Balance sheet 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec SEKm 2018 SEKm Assets Cash and balances with central banks Loans to credit institutions Loans to the public Interest-bearing securities Value change of interest hedged item in portfolio hedge Financial assets for which customers bear the investment risk Shares and participating interests Investments in associates Derivatives Intangible fixed assets of which goodwill Tangible assets Current tax assets Deferred tax assets Other assets Prepaid expenses and accrued income Total assets Liabilities and equity Liabilities Amounts owed to credit institutions Deposits and borrowings from the public Debt securities in issue Financial liabilities for which customers bear the investment risk Derivatives Current tax liabilities Deferred tax liabilities Short positions securities Other liabilities Accrued expenses and prepaid income Provisions Subordinated liabilities Total liabilities Equity Non-controlling interests Equity attributable to shareholders of Swedbank AB Total equity Total liabilities and equity Equity attributable to shareholders of Swedbank AB, 31 Dec 2018 Goodwill, 31 Dec 2018 SEKm Swedbank AB (Sweden) Swedbank Robur 328 Swedbank Mortgage (Sweden) Swedbank Försäkring 651 Swedbank Robur (Sweden) Ölands Bank AB 9 Swedbank Försäkring (Sweden) Swedbank (Estonia) Sparia Försäkring Group (Sweden) 146 Swedbank (Latvia) Swedbank (Estonia) Swedbank (Lithuania) Swedbank (Latvia) PayEx AB 429 Swedbank (Lithuania) Group total PayEx AB 302 Ektornet (Sweden) 346 Goodwill within parent company: Other subsidiaries Swedbank AB (Sweden) Total legal equity Total goodwill Group adjustments and eliminations Total equity attributable to shareholders of Swedbank AB SEKm From 1 January 2018, the results reflect that IFRS 9 Financial instruments has been adopted. Prior periods have not been restated. 9

11 Statement of changes in equity Financial information, Group Noncontrolling Statement of changes in equity SEKm Shareholders' equity interest Total equity Share capital Other contributed equity Exchange Hedging of differences, net subsidiaries investments in and foreign associates operations Cash flow hedges Foreign Currency Basis Risk Reserve Own credit risk reserve Closing balance 31 December Impact from transition to IFRS Opening balance 1 January Dividends Share based payments to employees Contribution 0 Total comprehensive income for the period Closing balance 31 December Retained earnings Total Specification of Exchange differences, subsidiaries and associates 31 Dec 31 Dec Q4 Q3 Q2 Q1 Q4 Q3 Q2 Q1 Q4 SEKm Estonian Operations Latvian Operations Lithuanian Operations Norwegian Operations Robur, Ektornet and other Total Specification of Hedging of net investment in foreign operations 31 Dec 31 Dec Q4 Q3 Q2 Q1 Q4 Q3 Q2 Q1 Q4 SEKm Estonian Operations Latvian Operations Lithuanian Operations Norwegian Operations Robur, Ektornet and other Total Specification of Cash flow hedges 31 Dec 31 Dec Q4 Q3 Q2 Q1 Q4 Q3 Q2 Q1 Q4 SEKm Amendments due to the adoption of IFRS 9-38 Group Treasury Other Total

12 Net interest income analysis, Group Financial information, Group Net interest income analysis, Group YTD YTD % Q4 Q3 Q2 Q1 Q4 Q3 Q2 Q1 Q4 SEKm Y/Y Interest income Loans to credit institutions Loans to the public Interest-bearing securities Derivatives, income Other Total interest income including negative yield on financial assets of which interest income reported in net gains/ losses on financial items Interest income, including negative yield on financial assets, according to income statement Interest expense Amounts owed to credit institutions Deposits and borrowings from the public of which deposits guarantee fees Debt securities in issue of which state guarantee fees Subordinated liabilities Derivatives, expenses 1) Other of which resolution fee Total interest expense including negative yield on financial liabilities of which interest expense reported in net gains/ losses on financial items Interest expense, including negative yield on financial liabilities, according to income statement Net interest income Average balances Loans to credit institutions Loans to the public Interest-bearing securities Interest-bearing assets Derivatives Other assets Total assets Amounts owed to credit institutions Deposits and borrowings from the public Debt securities in issue Subordinated liabilities Interest-bearing liabilities Derivatives Other liabilities Total liabilities Equity Total liabilities and equity Average interest rates YTD YTD Q4 Q3 Q2 Q1 Q4 Q3 Q2 Q1 Q4 % Y/Y Loans to credit institutions Loans to the public Interest-bearing securities Interest-bearing assets Amounts owed to credit institutions Deposits and borrowings from the public Debt securities in issue Subordinated liabilities Interest-bearing liabilities Net interest margin total assets Interest-bearing securities are reported net less sold, not held, securities. Interest income on impaired loans is not accrued. 1) Derivatives are mainly used to hedge FX and interest rate risk. Interest rate risks arises within the banking operations when there is a mismatch between the interest fixing periods of assets and liabilities. The positive interest expense on derivatives is primarily a function of entered swap agreements, in which Swedbank receives fixed rates to match payments on long-term debt issuance and pays floating rates to match payments received on floating rate loans to the public. Interest income and interest expense on derivatives which are held for trading financial instruments and related interests within LC&I are excluded from net interest income and reported as net gains and losses on financial items. 11

13 Income analysis Financial information, Group Income analysis, Group FY FY % Q4 Q3 Q2 Q1 Q4 Q3 Q2 Q1 Q4 SEKm Y/Y Net interest income Payment processing Card commissions Service concepts Asset management & Custody Life insurance Securities Corporate Finance Lending and Guarantees Deposits Real estate brokerage Non-Life insurance Other commission income Net commission income 1) Financial instruments for trading-related business Financial instruments intended to hold until maturity Net gains and losses on financial items Net insurance Sparbanken Skåne/Färs & Frosta Sparbank Swedbank Sjuhärad Other jointly owned banks in Sweden EnterCard VISA 2) Other companies Share of the profit or loss of associates IT/administrative services to savings banks Assets taken over Other 3) Other income 1) Total income ) Following a review of the services which are provided to the savings banks, Swedbank has moved a part of the income, which was previously reported under the line item Other Income, to Commission Income. Historic comparative figures have been restated. For the full year 2017, the change means that SEK 176m has moved from Other Income to Commission Income, the majority of which will move to Payments Processing. The change has no impact on Swedbank s Total Income. 2) Q includes one-off of SEK 85m and Q includes one-off of SEK 180m. 3) Q includes effect from sale of Hemnet, Other income of SEK 680m 12

14 Expense analysis Financial information, Group Expense analysis, Group YTD YTD % Q4 Q3 Q2 Q1 Q4 Q3 Q2 Q1 Q4 SEKm Y/Y Staff costs Salaries and other remunerations Variable staff costs 1) Pension costs 1) Social insurance charges 1) Training costs Other staff costs Total staff costs Other expenses Premises and rents IT expenses Telecommunications and postage Advertising, PR and marketing Consultants Compensation to Savings Banks Other purchased services Security transport and alarm systems Supplies Travel Entertainment Repair/maintenance of inventories Other expenses Total other expenses Depreciation/amortisation Total expenses ) Social insurance charges and pension costs related to variable pay are presented as variable staff costs. IT-related expenses YTD YTD % Q4 Q3 Q2 Q1 Q4 Q3 Q2 Q1 Q4 SEKm Y/Y IT expenses Software incl. licenses IT-consultants IT expenses externally bought by business areas Other externally bought IT-services Total IT expenses Other IT-related expenses Staff costs (Swedbank's internal IT-organisation) 2) Leasing and depreciation of IT-equipment Other IT-related expenses Total other IT-related expenses Total IT- and IT-related expenses Capitalised IT-related expenses ) IT-related staff costs outside the internal IT organisation are not included. 13

15 Variable pay Financial information, Group Income Statement Impact Actual Forecast Year Program FY 2014 FY 2015 FY 2016 FY 2017 YTD programs 2010 Eken Eken IP Eken IP Eken IP Eken IP Eken IP Eken IP Eken IP/IPAM Eken IP/IPAM Other variable pay Total ) Variable Pay in Swedbank includes two programs, Eken and Individual Program ("IP"). Eken comprises essentially all employees in the Group and consists of deferred compensation in the form of shares. IP comprises around 700 employees and consists of cash and deferred compensation in the form of shares. 2) Duration period for each program is comprised of i) an initial performance year followed by ii) a deferral period prior to iii) the delivery date year after the deferral period. 3) The share part is recognized in the P/L over the duration period, 50 months, while cash part is recognized over 12 months (performance year). IP 2017 and IP 2018 programme excepted. 4) For IP 2017 and IP 2018 both the share part and the cash part have a split of duration periods. The recognition in the P/L follows the duration periods. 5) Positive Economic Profit is a prerequisite for Eken and IP. Size of Eken has direct connection to Group ROE. 6) Recognized expenses for shares after the performance year take into account forfeited rights and include social charges based on the expected share price on the delivery date (assumed being equal to the current share price). 14

16 Swedish Banking Business segments YTD YTD Δ % Q4 Q3 Q2 Q1 Q4 Q3 Q2 Q1 Q4 SEKm Y/Y Income statement Net interest income Payment processing Card commission Service concepts Asset management and custody Life Insurance Securities Lending and guarantees Deposits Corporate finance Real estate brokerage Non-Life insurance Other commissions Net commission income Net gains and losses on financial items Net insurance Share of the profit or loss of associates Other income 1) 2) Total income Staff costs Variable staff costs Expenses for premises IT expenses Consultants Other expenses of which internally sold and bought services Depreciation/amortisation Total expenses Profit before impairments Credit impairments Operating profit Tax expense Profit for the period from continuing operations Profit for the period including non-controlling interest Profit for the period attributable to: Shareholders of Swedbank AB Non-controlling interests A number of larger corporate clients have been moved from Swedish Banking to Large Corporates & Institutions during Q The income relating to these clients (FY NII of SEK 363m and FY NCI of SEK 12m) have been moved between the business segments. No restatement of historical comparative figures have been made. From 1 January 2018, the results reflect that IFRS 9 Financial instruments has been adopted. Prior periods have not been restated. 1) Q includes effect from sale of UC, Other income of SEK 677m 2) Q includes effect from sale of Hemnet, Other income of SEK 680m 15

17 Swedish Banking Business segments 31 Dec 31 Dec Δ % Q4 Q3 Q2 Q1 Q4 Q3 Q2 Q1 Q4 SEKbn Y/Y Balance sheet (Incl intra-group transactions) Assets Cash and balances with central banks Loans to credit institutions Loans to the public Bonds and other interest-bearing securities Financial assets for which customers bear inv. risk Derivatives Other assets Total assets Liabilities and equity Amounts owed to credit institutions Deposits and borrowings from the public Debt securities in issue Financial liabilities for which customers bear inv. risk Derivatives Other liabilities Subordinated liabilities Allocated equity Total liabilities and equity Key figures Key performance indicators Return on allocated equity, % Cost/Income ratio Credit impairment ratio, % Loan/Deposit ratio, % Volumes, SEKbn Loans to the public excluding repos & SNDO 1) Deposits from the public excluding repos & SNDO 1) Mutual funds & insurance Allocated equity, average, SEKm Risk exposure amount 2) Commitments Full-time employees Other information (millions) Number of digitally active customers (incl. Savings banks) 3) of which Savings banks Share of sales in digital channels (Swedbank), % Number of cards (debit cards) Number of card purchases POS/total card turnover, % 4) Number of card acquiring, Nordic Countries Total acquired amount, Nordic Countries, SEKm ) Excluding intra-group transactions. 2) Risk exposure amount is reported according to Basel 3. 3) Number of customers that have made at least 3 logins including shake balance in digital channel during last month. 4) Point of Sale (POS). Large corporate clients have been moved from Swedish Banking to Large Corporates & Institutions during Q Business volumes (Loans to the public of SEK 2bn) have been moved between the business segments. No restatement of historical comparative figures have been made. A number of larger corporate clients have been moved from Swedish Banking to Large Corporates & Institutions during Q Business volumes (Loans to the public of SEK 30bn and deposits from the public of SEK 3bn) have been moved between the business segments. No restatement of historical comparative figures have been made. From 1 January 2018, the results reflect that IFRS 9 Financial instruments has been adopted. Prior periods have not been restated. 16