Annika Falkengren. The relationship bank of the Nordics. CEO & President. Copenhagen January 11, 2011

Size: px
Start display at page:

Download "Annika Falkengren. The relationship bank of the Nordics. CEO & President. Copenhagen January 11, 2011"

Transcription

1 Annika Falkengren CEO & President The relationship bank of the Nordics Copenhagen January 11, 2011

2 SEB s anatomy 2010 in summary Outlook Conclusions 2

3 SEB a unique Nordic Bank Relationships Corporates Stability 3

4 Customer relationships is paramount Commitment from all levels of both SEB and client Executed through daily interaction and in-house training Corporate client 4

5 Proven market recognition Best financial advisor in the Nordics Top ranking FX for the Nordic region SEB Enskilda #1 Broker firm in SE, NO & FI Global Private Banking Award Top European Prime Broker SME bank of the year The Corporate Bank of the year Top position in /$ forecasting 5

6 A leading Nordic corporate Bank Attractive income mix (%) SEB 1) Nordic peers 2) 0% 20% 40% 60% 80% 100% Large Corporates & Institutions Life Asset management Retail Note) Figures from ) Excluding Retail Germany 2) Aggregated income distribution of Swedbank, SHB, Nordea, Danske and DnB NOR. Business units only (indicative) 6

7 Unique corporate franchise Truly embedded corporate bank Mergers & Acquisitions Foreign Exchange Trade & Supply Chain Finance Custody Equities Fixed Income Lending Relationship business model Leading product offering Strong distribution power Prime Brokerage Structured Derivatives Cash Management SEB Group, total income by customer group (SEK bn) 15 Private Corporate & Institutions Q1-08 Q2-08 Q3-08 Q4-08 Q1-09 Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 7

8 Stability is fundamental The trusted partner for customers with aspirations Truly customer driven bank Proactivity Baltic cautiousness Early provisioning Rights issue Long-term funding 8

9 SEB prepared for new regulations Capital Core Tier 1 >12.1% Leverage 5.6% or 18x (FDIC) Basel III Funding Matched funding >18 months Liquidity Reserves > SEK 300bn > 10% of balance sheet 9

10 SEB s anatomy 2010 in summary Outlook Conclusions 10

11 A challenging year in the market Macro Global recovery unstable but Nordics strong, especially Sweden Sovereign debts Banking industry Subdued corporate credit demand Volatile equity markets Regulation Basel III clarified No level playing field Operating profit (SEK bn) Q3-08 Q4-08 Q1-09 Q2-09 Q3-09 Q4-09 Q1-10 Q2-10 Q3-10 Note: Shaded areas refer to gain on buy-back of subordinated debt, acquisition goodwill write-offs and restructuring costs, respectively 11

12 Baltic recovery gains momentum Back in black Baltics SEK bn Export-led economic recovery Consumer confidence returning Strong franchise - customers, employees, solutions & brand 0 NPL Reserves Total Writeoffs, acc. 10-point plan running according to plan Q4-09 Q1-10 Q2-10 Q3-10 Increased focus on new business activities 12

13 The Baltic 10-Point plan Increased focus on Back on the road Secure the area 1 Risk management Financial planning tool 2 Distressed assets Model upgrade 3 Credit skills TCM academy Integration Target marketing Business culture Moving towards Customer excellence TCM academy Packages private Back on the road 7 8 Restore C/I Customer excellence Service academy 9 Customer loyalty 10 The best employer 13

14 Completed strategic alignment German retail banking deal to be completed in Q Strategic rationale Completes strategic alignment Banco Santander ideal partner Financial ratios will improve C/I: +4 units Core Tier 1: +50 bps RoE: +60bps Growth potential in corporate segment Become the bank of choice for Mittelstand clients 14

15 SEB s anatomy 2010 in summary Outlook Conclusions 15

16 Interpreting the signs of duality Global market uncertainty Sovereign debts Regulations impact Strong Swedish export market Company expansion plans Increased household savings 16

17 Great starting point for growth in areas of strength Prerequisites Growth strategy No ailing businesses Desired business mix in place One SEB business model Scalable platform Strong capital position Segment growth Geographic growth Core relationship growth 17

18 Core relationship growth Attractive position Large corporates Sweden Continue to excel the competition The only true embedded bank Top ranked products across the line Private Banking Strengthen core markets Excel from #1 position in Sweden Attract new assets under management Cards Baltic Retail Banking Nordic model with strong local presence Building the most respected and #1 home bank Number 1 in the Nordics One Nordic company integration and scale of economies Continued risk management Develop customer franchise 18

19 Geographic growth Potential through investments in client coverage Country Sweden Norway Wallet penetration Potential Corporate target market Core relationships % 100 Sweden Nordics Finland Denmark Germany -100 Perceived quality* desired position * Relative to mean performance in relative market (Source: Greenwich) 19

20 Geographic growth Nordic and German corporate expansion Nordics Development 2010 Laid groundwork for growth, now positioned for recovery Focus areas Benefit from corporate refinancing and pick-up in credit demand Accelerate market activities Germany Focused on sale of Retail banking business and improved corporate business proposition Complete recruitments Execute, execute, execute More than 100 new clients Several headline transactions Gain 400 new clients No. 1 overall rank for large corporates in the Nordics The bank of choice for German Mittelstand clients 20

21 Geographic growth Well positioned in the Nordics Nordic syndicated corporate loans bookrunner (Q3 YTD) SEB Nordea Credit Agricole 14.2% 12.9% 22.2% Refinancing of Nordic corporate loans (SEK bn) DnB NOR Danske Markets Source: Dealogic 9.5% 11.9% Sweden Norway Denmark Finland Source: Dealogic Swedish corporate lending growth vs. economic sentiment Corporate lending growth, y-o-y % - lagged by 12 months (LHS) Economic sentiment (RHS) Source: Datastream, SEB Enskilda 21

22 Segment growth A true business partner for SMEs Strong offering and increased focus Increase position in micro-smes Expand footprint in larger SMEs Improve customer experience SME market share Sweden (%) 16% 14% 12% 10% 8% 6% 4% 2% 0% F 2013F Supported with a strong pedigree The Corporate Bank of the year 2009 and 2008 the SME bank of the year 22

23 Segment growth Focus on savings Leading in unit-linked New savings account Rising net sales in WM Market shares (%) Lithuania Latvia Estonia Denmark Sweden SEB rank #1 #2 #3 #3 #1 Total net sales per quarter (SEK bn) Q3-09 Q2-10 Q3-10 0% 50% 100% SEB market share Competitors Institutional Clients Private Banking Notes: Unit-linked market shares as of Q3 2010; Sweden based on premium income unit-linked 12 months to Sept 2010; Denmark unit-linked insurance in competitive markets 23

24 SEB s anatomy 2010 in summary Outlook Conclusions 24

25 The relationship bank of the Nordics Our anatomy is our competitive edge Right business mix strategic alignment completed Positioned for growth in areas of strength 25

26 26

Investor Presentation. Annual Accounts

Investor 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 information

Annika Falkengren. President and CEO. Result presentation. January September 2010

Annika 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 information

Investor Presentation. Result presentation. January September 2010

Investor 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 information

Annika Falkengren. Merrill Lynch Banking & Insurance CEO Conference. London. 30 September President and CEO

Annika Falkengren. Merrill Lynch Banking & Insurance CEO Conference. London. 30 September President and CEO Annika Falkengren President and CEO Merrill Lynch Banking & Insurance CEO Conference London 3 September 29 1 The starting point: SEB has a strong competitive position A long-term relationship bank Strong

More information

UBS Nordic Financial Services Conference Stockholm

UBS Nordic Financial Services Conference Stockholm Annika Falkengren President and CEO UBS Nordic Financial Services Conference Stockholm 10 September 2009 1 The starting point: SEB has a strong competitive position A long-term relationship bank How we

More information

BoA Merrill Lynch Banking & Insurance CEO Conference London, 25 September 2012

BoA 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 information

Annika Falkengren. President and CEO. Result presentation

Annika 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 information

Danske Nordic Bank Seminar

Danske Nordic Bank Seminar Jan Erik Back CFO Danske Nordic Bank Seminar Copenhagen 2 September 2009 1 SEB s competitive position A long-term relationship bank Strong income and balance sheet Q2-recap, liquidity and capital Asset

More information

Annika Falkengren CEO. UBS conference. May 14, 2007

Annika Falkengren CEO. UBS conference. May 14, 2007 Annika Falkengren CEO UBS conference May 14, 2007 What we are How we differ Growth opportunities 2 SEB history Longstanding customer relationships Entrepreneurship International outlook Same major owners

More information

Investor presentation. Result

Investor presentation. Result Investor presentation Result 2010 Highlights Income Stable earnings from a diversified platform Provisions for credit losses Net credit losses back to pre-crisis levels Strategic alignment Strategic alignment

More information

Annual Accounts Annika Falkengren President & CEO

Annual 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 information

Investor presentation. Result presentation

Investor 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 information

SEB Annual Accounts Annika Falkengren President & CEO

SEB 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 information

Baltics going forward

Baltics going forward Jan Erik Back CFO Baltics going forward November 25 20 SEB Baltic division background SEB Baltic division overview Universal banking services in all three countries Ranked No 1 by customers in Estonia

More information

Anders Ek Executive Vice President, Head of Strategic and International Banking. Tokyo March 14, 2007

Anders Ek Executive Vice President, Head of Strategic and International Banking. Tokyo March 14, 2007 Anders Ek Executive Vice President, Head of Strategic and International Banking Tokyo March 14, 2007 Swedbank - an introduction (2) A leading Nordic-Baltic bank Other markets, niche banking Denmark - Swedbank

More information

SEB Enskilda Nordic Banks Seminar. Stockholm, 26 May Carl-Johan Granvik Group CRO

SEB 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 information

Annika Falkengren. President & CEO. Results 2009

Annika Falkengren. President & CEO. Results 2009 Annika Falkengren President & CEO Results 29 1 Highlights Q1 29 Strong underlying business SEK 4.8bn before provisions for credit losses and impairment charges Stable cost development Doubled collective

More information

Bank of America Merrill Lynch 28 September, Jan Erik Back CFO

Bank 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 information

Fact Book January June 2011

Fact Book January June 2011 Fact Book January June STOCKHOLM 14 JULY SEB Fact Book January June N Table of contents Table of contents...2 About SEB...3 SEB history...3 Financial targets...3 Organisation...4 Corporate Governance...5

More information

Annika Falkengren CEO

Annika Falkengren CEO Annika Falkengren CEO 2007 Highlights Q1 2007 Operating profit SEK 4.2bn Revenues exceeded SEK 10bn Continued high customer activity but more volatile capital markets Organic growth RWA: + 7% Stable costs

More information

Swedbank New York and Boston roadshow, September 24 26, Mikael Inglander, Chief Financial Officer

Swedbank New York and Boston roadshow, September 24 26, Mikael Inglander, Chief Financial Officer Swedbank New York and Boston roadshow, September 24 26, 27 Mikael Inglander, Chief Financial Officer The leading bank in four small countries Sweden Total population: 9.m Private customers: 4.1m Corp.

More information

Telephone Conference Q2-18 Johan Torgeby President & CEO 17 July, 2018

Telephone 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 information

FöreningsSparbanken. Nils-Fredrik Nyblæus. Deputy President and CFO

FöreningsSparbanken. Nils-Fredrik Nyblæus. Deputy President and CFO FöreningsSparbanken Nils-Fredrik Nyblæus Deputy President and CFO 2 Group objectives Market position Customers Employees Financial position 3 Basics of sustainable profitability Customer satisfaction Human

More information

Investor breakfast meeting

Investor breakfast meeting Annika Falkengren President & CEO Jan Erik Back CFO Investor breakfast meeting 17 August 20 1 Priorities for 20 Maintain flexibility & resilience Exploit core strengths Corporates in Nordics & Germany

More information

Keefe, Bruyette & Woods 2012 European Financials Conference 19 September Niklas Ekvall Head of Group Treasury

Keefe, Bruyette & Woods 2012 European Financials Conference 19 September Niklas Ekvall Head of Group Treasury Keefe, Bruyette & Woods 2012 European Financials Conference 19 September 2012 Niklas Ekvall Head of Group Treasury Disclaimer This presentation contains forward-looking statements that reflect management

More information

UBS Global Financial Services conference New York, May 16, Jan Lidén CEO

UBS Global Financial Services conference New York, May 16, Jan Lidén CEO UBS Global Financial Services conference New York, May 16, 27 Jan Lidén CEO The leading bank in four small countries Sweden Total population: 9.m Private customers: 4.1m Corp. customers: 262, Organisations:

More information

Banking in a tough environment

Banking in a tough environment Banking in a tough environment Carnegie Nordic Large Cap Seminar Stockholm Tonny Thierry Andersen CFO & Member of the Executive Board March 3, 2009 The real economy is now severely affected Index Industrial

More information

Nordea 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 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 information

Morgan Stanley European Financials Conference, London 27 March Jan Erik Back CFO SEB

Morgan 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 information

= = = = Annual Accounts 2010

= = = = Annual Accounts 2010 Annual Accounts 2010 STOCKHOLM 4 FEBRUARY 2011 For comparative purposes, the Group s income statement has been restated as continuing and discontinued operations, reflecting the divestment of SEB s German

More information

Telephone Conference Q Johan Torgeby, President & CEO

Telephone Conference Q Johan Torgeby, President & CEO Telephone Conference Q3 2018 Johan Torgeby, President & CEO Highlights YTD 2018 Solid result despite seasonal slowdown Healthy corporate activity continued in Q3 Strong capital position, robust asset quality

More information

Investor presentation. January September

Investor 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 information

Nomura Financial Services Conference London, 29 August Jan Erik Back, CFO

Nomura Financial Services Conference London, 29 August Jan Erik Back, CFO Nomura Financial Services Conference London, 29 August 2012 Jan Erik Back, CFO SEB s strategy remains firm Universal bank in Sweden and the Baltics Corporate bank in the Nordics, Germany and internationally

More information

Fact Book January June 2013

Fact Book January June 2013 Fact Book January June STOCKHOLM 15 JULY SEB Fact Book January June 1 Table of contents About SEB... 4 Financial targets... 4 Rating... 4 Organisation...5 Full-time equivalents, end of quarter... 5 Corporate

More information

Handelsbanken January June July 2013

Handelsbanken 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 information

New Standards update on initiatives

New 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 information

Press Conference Q2-17. Johan Torgeby President & CEO 14 July, 2017

Press Conference Q2-17. Johan Torgeby President & CEO 14 July, 2017 Press Conference Q2-17 Johan Torgeby President & CEO 14 July, 2017 Strong equity markets and improved market sentiment combined with low volatility and tightening of credit spreads CDS Spreads Swedish

More information

Fact Book January September 2013

Fact Book January September 2013 Fact Book January September STOCKHOLM 24 OCTOBER SEB Fact Book January-September 1 Table of contents About SEB... 4 Financial targets... 4 Rating... 4 Organisation...5 Full-time equivalents, end of quarter...

More information

Annual Report 2007: Resilient results in turbulent times. 31 January 2008

Annual Report 2007: Resilient results in turbulent times. 31 January 2008 Annual Report 2007: Resilient results in turbulent times 31 January 2008 AGENDA Agenda Slide Key messages 3 Highlights 4 Business area highlights 18 Business trends 20 Outlook 27 Q&A session 28 Appendix

More information

SEB Enskilda Nordic Seminar 7 January Erkki Raasuke, CFO

SEB Enskilda Nordic Seminar 7 January Erkki Raasuke, CFO SEB Enskilda Nordic Seminar 7 January 2010 Erkki Raasuke, CFO Continued focus on short-term priorities Asset quality Signs of growth rate of impaired loans levelling off Ektornet to protect long-term shareholder

More information

Carnegie Nordic Large Cap Seminar Stockholm 4 March 2008 Mikael Inglander, CFO

Carnegie Nordic Large Cap Seminar Stockholm 4 March 2008 Mikael Inglander, CFO Carnegie Nordic Large Cap Seminar Stockholm 4 March 28 Mikael Inglander, CFO The leading bank in four small countries Sweden Total population: 9.2m Employees: 8,75 Private customers: 4.1m Corp. customers:

More information

Fact book Q April 2007

Fact book Q April 2007 Fact book Q1 27 25 April 27 Contents page General information 2 Mission, vision, values and markets 2 Financial objectives 3 Geographic reach and market shares 4 Macro economic indicators 5-6 Business

More information

Executive summary. Interim results January - June

Executive summary. Interim results January - June Executive summary Interim results January - June 2005 www.sebgroup.com 1 SEB Focus SEB traditional strengths - Corporates - Affluent individuals Growth Broadening platform New home markets /acquisitions

More information

Second Quarter Results 2014 Investor presentation

Second 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 information

Fact Book. January September 2018 STOCKHOLM 25 OCTOBER 2018

Fact Book. January September 2018 STOCKHOLM 25 OCTOBER 2018 Fact Book January September STOCKHOLM 25 OCTOBER SEB Fact Book January September Table of contents Table of contents... 2 About SEB... 4 SEB history... 4 Organisation... 5 Share of operating profit...

More information

Facts & Figures January September 2009

Facts & Figures January September 2009 www.sebgroup.com Facts & Figures January September 2009 1 Contents Page SEB Group 3 15 Asset quality 16 29 Bond portfolios 30 36 Divisional level 37 42 Merchant Banking 43 53 Retail Banking 54 64 Wealth

More information

Investor Presentation

Investor Presentation Investor Presentation Perspectives on the Polish market and Nordea operations Włodzimierz Kiciński CEO Nordea Bank Polska Agenda Macroeconomic environment Banking market trends Nordea operations Strategic

More information

Fact Book January June 2014

Fact Book January June 2014 Fact Book January June STOCKHOLM 14 JULY SEB Fact Book January June 1 Table of contents About SEB... 4 Financial targets... 4 Rating... 4 Organisation...5 Full-time equivalents, end of quarter... 5 Corporate

More information

Handelsbanken January December February 2014

Handelsbanken 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 information

Fourth Quarter and Full Year Results Press Conference Casper von Koskull, president, Group CEO

Fourth 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 information

Danske Bank. Conservatism or weak asset quality? Henrik Hoffmann Executive Vice President, Group Credits March 27, 2009

Danske Bank. Conservatism or weak asset quality? Henrik Hoffmann Executive Vice President, Group Credits March 27, 2009 Danske Bank Conservatism or weak asset quality? Henrik Hoffmann Executive Vice President, Group Credits March 27, 2009 Agenda 1. Market situation: Very pessimistic outlook 2. The credit organization in

More information

Handelsbanken Nordic Large Cap Seminar 14 September Michael Wolf, CEO

Handelsbanken 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 information

Investor presentation. Results 2009

Investor presentation. Results 2009 Investor presentation Results 2009 1 Highlights 2009 Strong underlying business SEK 4.8bn before provisions for credit losses and impairment charges Stable cost development Doubled collective provisions

More information

Third quarter results 2018

Third quarter results 2018 Third 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 information

Fact Book January March 2014

Fact Book January March 2014 Fact Book January March 214 STOCKHOLM 25 APRIL 214 SEB Fact Book January March 214 1 Table of contents About SEB... 4 Financial targets... 4 Rating... 4 Organisation...5 Full-time equivalents, end of quarter...

More information

Thomas Bengtson John Arne Wang. Debt Investor Presentation Q and FY 2015

Thomas Bengtson John Arne Wang. Debt Investor Presentation Q and FY 2015 Debt Investor Presentation Q1 2016 and FY 2015 Thomas Bengtson John Arne Wang More information Available on www.sebgroup.com You will find it under Investor Relations Disclaimer IMPORTANT NOTICE THIS PRESENTATION

More information

Interim report, Q October, 2007 Jan Lidén CEO and President

Interim report, Q October, 2007 Jan Lidén CEO and President Interim report, Q3 2 24 October, 2 Jan Lidén CEO and President Summary January September 2 Shareholders net profit increased 12 percent to SEK 8,888m compared with previous year Net interest income was

More information

Shaping the future relationship bank

Shaping 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 information

Handelsbanken. January June July 2017

Handelsbanken. January June July 2017 Handelsbanken January June 18 July Average annual growth in equity Including dividends* kr / aktie SEK/share 150 Adjusted equity per share Accumulated dividends since 2008 125 100 75 50 25 0 Q307 Q407

More information

Facts. Q3, 2007 October 24, 2007

Facts. Q3, 2007 October 24, 2007 Facts October 24, 27 24 October, 27 Contents page General information 2 Mission, vision, values and markets 2 Financial objectives 3 Geographic reach and market shares 4 Macro economic indicators 5-6 Business

More information

Q4, February 2007

Q4, February 2007 16 February 27 Contents page Mission, vision, values and markets 2 Financial objectives 3 Geographic reach and market shares 4 Macro economic indicators 5 Cross selling, Internet bank and cards 6 Lending

More information

Christian Clausen, President and Group CEO

Christian 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 information

Nomura Annual Financials Conference 31 August Fredrik Rystedt. Group CFO / EVP

Nomura 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 information

Financial Results 2018 Johan Torgeby, President & CEO. Telephone conference 30 January 2019

Financial Results 2018 Johan Torgeby, President & CEO. Telephone conference 30 January 2019 Financial Results 2018 Johan Torgeby, President & CEO Telephone conference 30 January 2019 jan-17 apr-17 jul-17 okt-17 jan-18 apr-18 jul-18 okt-18 jan-17 apr-17 jul-17 okt-17 jan-18 apr-18 jul-18 okt-18

More information

Jan Erik Back Chief Financial Officer Telephone Ulf Grunnesjö Head of Investor Relations

Jan Erik Back Chief Financial Officer Telephone Ulf Grunnesjö Head of Investor Relations Annual Report 2008 High customer activity in turbulent financial markets and deteriorating real economy Increased integration and efficiency High rankings and increased market shares in many areas Operating

More information

Third quarter results 2017

Third 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 information

Fact Book January September 2010

Fact Book January September 2010 Fact Book January September STOCKHOLM 28 OCTOBER SEB Fact book January September N Table of contents Table of contents...2 About SEB...3 SEB History...3 Financial targets...3 Organisation...4 Corporate

More information

Financial results for Q New strategy

Financial results for Q New strategy ROADSHOW Financial results for Q3 2012 30 October 2012 Agenda Financial results Capital, funding and liquidity Outlook for 2012 Q&A session Appendix: Trends in focus areas & business units 2 New Standards

More information

Fact Book. Annual Accounts 2017 STOCKHOLM 31 JANUARY 2018

Fact Book. Annual Accounts 2017 STOCKHOLM 31 JANUARY 2018 Fact Book Annual Accounts STOCKHOLM 31 JANUARY 218 SEB Fact Book Annual Accounts Table of contents Table of contents... 2 About SEB... 4 SEB history... 4 Financial targets... 4 Rating... 4 Organisation...

More information

Facts & Figures January June 2010

Facts & Figures January June 2010 www.sebgroup.com Facts & Figures January June 2010 1 Contents Page SEB Group 3 23 Asset quality 24 38 Bond portfolios 39 41 Divisional level 42 47 Merchant Banking 48 55 Retail Banking 56 68 Wealth Management

More information

Capital Market Day. Group CEO and President Kari Stadigh. May 19 th, 2009

Capital Market Day. Group CEO and President Kari Stadigh. May 19 th, 2009 Capital Market Day Group CEO and President Kari Stadigh May 19 th, 2009 Sampo Group s results AFS, Profit before taxes M-to-M profit before taxes EURm 200 EURm 100 1Q/2009 24 1Q/2008 150 0 100 169 142-100

More information

Swedbank investor presentation. February 2014

Swedbank investor presentation. February 2014 Swedbank investor presentation February 2014 Executive summary Market position Swedbank (A+/A1/A+) is the largest retail bank in Sweden and the market leader in private mortgages and deposits in all of

More information

Debt Investor Presentation FY 2013 and Q Financials. Thomas Bengtson Arne Boberg

Debt Investor Presentation FY 2013 and Q Financials. Thomas Bengtson Arne Boberg Debt Investor Presentation FY 2013 and Q1 2014 Financials Thomas Bengtson Arne Boberg More information Available on www.sebgroup.com You will find it under Investor Relations Disclaimer IMPORTANT NOTICE

More information

Equity story. 2 November 2017

Equity 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 information

Stable, profitable development in Swedish operations Continued strong growth in both volumes and profits in Hansabank Strengthened performance in

Stable, profitable development in Swedish operations Continued strong growth in both volumes and profits in Hansabank Strengthened performance in Jan Lidén, CEO 1 2 Stable, profitable development in Swedish operations Continued strong growth in both volumes and profits in Hansabank Strengthened performance in savings and deposits 3 Operating profit

More information

Second quarter results 2018

Second 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 information

Goldman Sachs Roadshow 6-7 December Gunn Wærsted Executive Vice President, Head of Wealth Management

Goldman 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 information

Öhman Russian Day 24 November Thomas Neckmar Head of New European Markets

Öhman Russian Day 24 November Thomas Neckmar Head of New European Markets Öhman Russian Day 24 November 2010 Thomas Neckmar Head of New European Markets Nordea - the leading bank in the Nordic and Baltic Sea region Sweden Nordea home markets Estonia Poland Branches 329 Customers

More information

in brief. Activities in 2002

in brief. Activities in 2002 Annual Report 2002 Agenda Page 1. 2002 in brief 3 2. Financial highlights 5 3. Business trends 10 4. Status of capitalisation 20 5. Trends in business areas 21 6. Corporate governance 39 7. Outlook for

More information

Fact Book January September 2010

Fact Book January September 2010 Fact Book January September STOCKHOLM 28 OCTOBER SEB Fact book January September N Table of contents Table of contents...2 About SEB...3 SEB History...3 Financial targets...3 Organisation...4 Corporate

More information

Swedbank s third quarter 2018 results

Swedbank s third quarter 2018 results Swedbank s third quarter 2018 results Birgitte Bonnesen (CEO), Anders Karlsson (CFO), Helo Meigas (CRO) Swedbank in the Baltics Swedbank s customers in the Baltics Market leader with a strong focus on

More information

Fact Book Annual Accounts 2010

Fact Book Annual Accounts 2010 Fact Book Annual Accounts STOCKHOLM 4 FEBRUARY 211 SEB Fact Book Annual Accounts N Table of contents Table of contents...2 About SEB...3 SEB history...3 Financial targets...3 Organisation...4 Corporate

More information

DnB 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 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 information

Fact Book January June 2017 STOCKHOLM 14 JULY 2017

Fact Book January June 2017 STOCKHOLM 14 JULY 2017 Fact Book January June 217 STOCKHOLM 14 JULY 217 SEB Fact Book January June 217 Table of contents Table of contents... 2 About SEB... 4 SEB history... 4 Financial targets... 4 Rating... 4 Organisation...

More information

Interim report Q August, 2007 Jan Lidén CEO and President

Interim report Q August, 2007 Jan Lidén CEO and President Interim report Q2 27 7 August, 27 Jan Lidén CEO and President Summary Q2 27 (Q1 27) Continued improved results: SEK 3,112m (2,91 in Q1 27) Earnings per share increased 7% compared with Q1 27 Net interest

More information

Forward-Looking Statements

Forward-Looking Statements Investor Presentation January 2007 Ed Clark President & CEO TD Bank Financial Group Forward-Looking Statements From time to time, the Bank makes written and oral forward-looking statements, including in

More information

Second Quarter Report 2010

Second Quarter Report 2010 Copenhagen, Helsinki, Oslo, Stockholm, 21 July 2010 Second Quarter Report 2010 CEO Christian Clausen s comment to the report: We have seen a positive development in our customer business with a record

More information

First Quarter Results Casper von Koskull, President and Group CEO

First Quarter Results Casper von Koskull, President and Group CEO First 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 future

More information

Swedbank year-end results 2018

Swedbank year-end results 2018 Swedbank year-end results 218 Birgitte Bonnesen (CEO), Anders Karlsson (CFO), Helo Meigas (CRO) Strong financial result in 218 delivered on strategic priorities SELECTED 218 DELIVERIES Continued digitisation

More information

Interim report Q April 25, 2007 Jan Lidén President and CEO

Interim report Q April 25, 2007 Jan Lidén President and CEO Interim report Q1 2007 April 25, 2007 Jan Lidén President and CEO Highlights Q1 2007 Strong and stable results intact SEK 2,910m (2,270 Q1, 2006) Strong and stable results from all major business areas;

More information

FöreningsSparbanken Q Jan Lidén, CEO

FöreningsSparbanken Q Jan Lidén, CEO FöreningsSparbanken Q4 2005 Jan Lidén, CEO Highlights 2005 2 The market share for total new savings from Swedish households rose to 19 percent (17) For new household deposits, the Swedish market share

More information

Bank Norwegian AS. EUR Credit Investor Presentation. Tine Wollebekk, CEO June 2018 Pål Svenkerud, CFO

Bank Norwegian AS. EUR Credit Investor Presentation. Tine Wollebekk, CEO June 2018 Pål Svenkerud, CFO Bank Norwegian AS EUR Credit Investor Presentation Tine Wollebekk, CEO June 2018 Pål Svenkerud, CFO Disclaimer This Company Presentation has been produced by Bank Norwegian AS (the Company or BN ) exclusively

More information

Forward-Looking Statements

Forward-Looking Statements Investor Presentation January 2007 Ed Clark President & CEO TD Bank Financial Group Forward-Looking Statements From time to time, the Bank makes written and oral forward-looking statements, including in

More information

Financial results for H1 2012

Financial results for H1 2012 CONFERENCE CALL Eivind Kolding CEO & Chairman of the Executive Board Henrik Ramlau-Hansen CFO & Member of the Executive Board 7 August 2012 Agenda Key points Financial results Capital, funding and liquidity

More information

Nordea Market s Insurance Seminar January 10, 2011 Group CFO Peter Johansson

Nordea Market s Insurance Seminar January 10, 2011 Group CFO Peter Johansson Nordea Market s Insurance Seminar 2011 January 10, 2011 Group CFO Peter Johansson Disclaimer This presentation may contain forward-looking statements that reflect management s current views with respect

More information

Swedbank Q Jan Lidén, President and CEO

Swedbank Q Jan Lidén, President and CEO Swedbank Q1 2006 Jan Lidén, President and CEO 2 Group results Q1 SEK M Q1 2006 Q1 Change, % Net interest income 3,777 3,939 4 Net commissions 2,098 1,530 37 Net gains and losses on financial items at fair

More information

Handelsbanken January September October 2015

Handelsbanken January September October 2015 Handelsbanken January September 21 October Summary January September Operating profit increased to SEK 14,942m (14,901) EPS unchanged at SEK 6.21 (6.21) ROE was 13.1% (14.1) 12.7% during Income increased

More information

Swedbank Interim report, Q April 25, 2007

Swedbank Interim report, Q April 25, 2007 Swedbank Interim report, Q1 2007 April 25, 2007 CONTINUED STRONG MOMENTUM ON ALL MARKETS Stable net profit for first quarter 2007 compared with fourth quarter 2006 Net profit for the period amounted to

More information

Handelsbanken January June July 2012

Handelsbanken January June July 2012 Handelsbanken January June 2012 17 July 2012 Average annual growth in equity including dividends Adjusted equity per share Accumulated dividends in past 5 years SEK/share 225 200 175 150 125 100 75 50

More information

Building for the future

Building 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 information