Bank- and finance statistics Published in May 2007

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1 Bank- and finance statistics 006 Published in May 007

2 CONTENTS Table Basic facts about Swedish banking market Commercial banks The banking market in Sweden The major Swed ish banking grou ps Savings banks 4 Banks operating profits, loan lo sses 5 and balance sheet total Banks assets and liabilities 6 Banks deposits and lending 7 Mortgage credit institu tions 8 Mortgage credit institutions lending 9 Corporate finance institutions 0 Insurance companies Fund management companies Swedish Bankers Association publish annually statistics of the Swedish banking and financial market. The statistics presents the most important companies in the market and their activities. The tables are published at our website Tables which are not yet updated have been marked with a grey background. Contakt person: Christian Nilsson Phone: christian.nilsson@bankforeningen.se The Swedish Bankers Association

3 Basic facts about the Swedish banking market Banks Dec 006 Mortgage institutions lending Total number 6 to the public, by sector Dec 006 of which: Swedish commercial banks 7 Total lending, SEK billions 00% 664 foreign commercial banks 4 of which: Households 75% 47 foreign banks' branches 5 Companies 4% 98 savingsbanks 68 Local governments % 8 cooperative banks Foreign public 0% 0,8 s 0% 0,4 Bank branch offices Dec 006 Total number 947 Mortgage institutions lending of which: commercial banks 70 to the public, by collateral Dec 006 savings banks 7 Total lending, SEK billions 00% 66 of which: One-familiy dwellings 58% 966 Bank employees 006 Apartment blocks 4% 9 Total number 9 Tenant-owner apartments 4% 40 of which: commercial banks 6 5 Commercial- and office buildings % 8 savingsbanks 599 s % 7 Internet-bank customers Dec 006 Household financial savings Dec 006 Total number Total portfolio, SEK billions 00% 90 of which: private individuals of which Insurance savings 7% 798 companies Deposits 4% 7 Shares % 67 ATMs (Bankomat and Minuten) 006 Mutual funds 8% 59 Total number of ATMs 807 Bonds 4% Number of transactions, millions 5 s % 96 Transaction amount, SEK billions 78 Household loan from Payments 006 the financial sector Dec 006 Total number of transactions, millions 959 Total loans, SEK billions 00% 77 of which: Checks of which: Mortgage institutions 70% 47 Credit cards 95 Banks % 40 Debit cards 994 Finance companies % 57 Paper-based credit transfers 86 Credit market institutions 4% 65 Non paper-based credit transfers 487 Direct debit 97 Household loan from the financial sector, by collateral Dec 006 Bank deposits from the public Dec 006 Total loans, SEK billions 00% 757 Total deposits, SEK billions 00% 860 of which: One-familiy dwellings 6% 090 of which: Households 8% 7 Tenant-owner apartments 5% 7 Companies 8% 57 property 9% 6 Local governments 4% 70 Unsecured credits 8% 7 Foreign public % 408 Financial instruments % 4 s 8% 5 Guarantees % collateral % 60 Bank lending to the public Dec 006 Total lending, SEK billions 00% 044 of which: Households 0% 40 Companies 4% 89 Local governments % 68 Foreign public % 665 s 4% 8 Swedish Bankers Association

4 Commercial banks, December, 006 Swedish banks parent No. of No. of em- Lending to Deposits from Total share- Balance companies, and subsidiaries branches ployees the public the public 4 holders equity sheet total and branches of foreign banks in Sw eden in Sweden (SEK m) (SEK m) (SEK m) (SEK m) Handelsbanken SEB Nordea Bank Swedbank Danske Bank, filial Länsförsäkringar Bank SkandiaBanken Carnegie Investment Bank GE Money Bank Dexia Crédit Local, filial Kaupthing Bank Sverige ABN AMRO Bank, filial Hypo Real Estate Bank Int., filial DnB NOR Bank, filial Färs & Frosta Sparbank Calyon Bank, filial FöreningsSparbanken Sjuhärad Sparbanken Gripen Nordnet Bank ICA Banken HQ Bankaktiebolag IKANO Banken Varbergs Sparbank Sparbanken Skaraborg Bankaktiebolaget Avanza Santander Consumer Bank, filial Stadshypotek Bank CitiFinancial Europe, filial Resurs Bank Eskilstuna Rekarne Sparbank Sparbanken Lidköping Tjustbygdens Sparbank Bergslagens Sparbank Toyota Kreditbank, filial EFG Investment Bank Ölands Bank Forex Bank Citibank, filial Söderhamns Sparbank Bank Bankaktiebolag Vimmerby Sparbank Evli Bank, filial Fortis Bank, filial Banque Invik, filial The Royal Bank of Scotland, filial HSH N Bank, filial UBS Switzerland Stockholm, filial Pareks banka, filial HSBC Bank, filial UBS UK Stockholm, filial Deutsche Bank, filial Bank of Scotland FCE Bank, filial Sampo Bank, filial Eurohypo AG, filial Total Figures not available from the bank. Swedish Bankers Association Page

5 Please note that the figures of the Swedish commercial banks include the parent banks operations in both Sweden and abroad. Operations in subsidiaries are not included in the figures. The figures of the foreign banks branches include only the operations in Sweden. Information on the banks operations in the Swedish market can be found in table The Swedish banking market. Information on the major Swedish banking groups can be found in table The major Swedish banking groups. Footnotes to Table A branch is defined as an autonomous bank branch. Many banks also provide certain banking services through agents like i.e. Svensk Kassaservice, petrol stations and retail stores. Average during the year. Lending to the public (households, companies, local governments etc.). Deposits and funding from the public (households, companies, local governments etc). Nordea Bank is the mother bank of the Nordea group and includes mainly the Swedish business of Nordea. Nordea's business in the other Nordic countries are included in separate subsidiaries and not in the mother bank. The bank operates through different brand names, e.g. Östgöta Enskilda Bank, Bohusbanken and Upplandsbanken. Employees of Länsförsäkringar Bank also includes bank employees at the regional Länsförsäkringar-insurance companies, the owner of the bank. The bank is partly owned by Swedbank. The legal name of the branch is "Crédit Agricole Stockholm branch to Calyon Bank S.A. France". HQ Bankaktiebolag received a banking licence in the beginning of 006. Bankaktiebolaget Avanza received a banking licence just before year end 005. Stadshypotek Bank is a subsidiary to Handelsbanken The full name of the branch is The Governor and Company of the Bank of Scotland (UK), branch Stockholm FöreningsSparbanken (Swedbank) changed name to Swedbank in 006 Sampo Bank was acquired by Danske Bank in the end of 006 The number of employees has increased partly due to that SEB IT and Enskilda Securities have merged with the parent bank 006. NB. All figures relate to the post year-end situation. Source: Each bank respectively. Swedish Bankers Association Page

6 The banking market in Sweden, end of year Deposit and funding from the public, excluding repos (Million SEK) Danske Swedbank Nordea Bank SEB Bank, branch 4 Handelsbanken Skandia- Banken Länsförsäkringar Bank banks Total Lending to the public (Million SEK) Swedbank Nordea Bank Handelsbanken SEB Danske Bank, branch 4 Skandia- Banken Länsförsäkringar Bank banks Total Includes banks on a solo basis, i.e. when the bank is a part of a financial group only the figures of the mother bank is included. Possible subsidiaries are not included in the figures. 4 Including Postgirot bank year 00 Including the subsidiary Stadshypotek Bank The bank operates through different brand names, e.g. Östgöta Enskilda Bank, Bohusbanken and Upplandsbanken. Lending from the public increased strongly during 005. The increase in lending is mainly a result of that the mortgage lending business, earlier in a separate subsidiary, has been moved in to the bank. Source: Statistics Sweden. The major Swedish banking groups, December, 006 No. of em- No. of em- Lending to Deposits from Totalt share- Balance ployees ployees in the public the public 4 holders equity sheet total Sweden (SEK m) (SEK m) (SEK m) (SEK m) Nordea SEB Handelsbanken Swedbank Total Including all the subsidiaries (however, do not include mutual insurance companies). Average during the year. Lending to swedish and foreign public (households, companies, local governments etc. Deposits and funding from swedish and foreign public (households, companies, local governments etc.). Exclu issued securities, etc. Source: Each bank respectively. Swedish Bankers Association Page 4

7 4 Savings banks The ten largest No. of No. of em- Lending to Deposits from Capital and Balance savings banks branches employees the public the public 4 reserves sheet total (SEK m) (SEK m) (SEK m) (SEK m) Sparbanken Finn Kristianstads Sparbank Sörmlands Sparbank Sparbanken Nord Sparbanken Alingsås Sparbanken Syd Falkenbergs Sparbank Westra Wermlands Sparbank Sparbanken i Enköping Roslagens Sparbank Total above Total all savings banks (68) The former savings banks now operating as limited liability banking companies are shown in table Commercial banks. Average during the year. Lending to swedish and foreign public (households, companies, local governments etc.). Deposits and funding from swedish and foreign public (households, companies, local governments etc.). Source: The National Federation of Independent Savings Banks and Sparbanken Finn 5 Banks operating profits, loan losses and balance sheet total (SEK m) Operating profits of which dividends from group companies Loan losses Balance sheet total All banks that have operated in Sweden during 00 and are under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Also included are foreign owned bank branches operating in Sweden. Swedish credit companies branches abroad are also included. After loan losses Net loan losses Source: Statistics Sweden, Financial Enterprises Swedish Bankers Association Page 5

8 6 Banks assets and liabilities, December, 006 Assets, Billion SEK Ultimo December Lending to financial institutions Securities other than shares Shares and other equities Lending to the public Derivatives Assets Total Liabilities and equity, Billion SEK Deposits from the financial Ultimo December Deposits from the public sector Securities etc. issued Derivatives liabilities Equity Total All banks that have operated in Sweden during the year and are subject to supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Also included are foreign owned bank branches operating in Sweden. Swedish credit companies branches abroad are also included. Lending to swedish and foreign public (households, companies, local governments etc.). Deposits and funding from swedish and foreign public (households, companies, local governments etc.). Source: Statistics Sweden Swedish Bankers Association Page 6

9 7 Banks deposits and lending by sector, end of year (SEK billion) Business sector Public sector Households s Foreign Total Deposits Lending All banks that have operated in Sweden during 00 and are under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Also included are foreign owned bank branches operating in Sweden. Swedish credit companies branches abroad are also included. Deposits and funding from the public (households, companies, local governments etc.). Lending to the public (households, companies, local governments etc.). Source: Statistics Sweden, Financial Markets Statistics 8 Mortgage credit institutions, December, 006 Outstanding loans Owner SEK million Stadshypotek Handelsbanken Swedbank Hypotek Swedbank Nordea Hypotek Nordea SEB BoLån 56 SEB SBAB State owned Länsförsäkringar Hypotek Länsförsäkringar Bank Loans for residential property, commercial property and local government sector. Include also loans which through securitization have been disposed to so called SPV (Special Purpose Vehicle). Excluding FöreningsSparbanken Jordbrukskredit Source: Financial institutions included in the list. Swedish Bankers Association Page 7

10 9 Mortgage credit institutions lending to the public, SEK billion Distribution by borrower Swedish households Swedish nonfinancial corporations Public sector Foreign public Swedish borrowers Total Distribution by purpose Commercial and office buildings - of which tenants cooperative associations Tenantowner apartments Totalt Single-family Apartment dwellings buildings Does not include loans which through securitization have been disposed to so called SPV (Special Purpose Vehicle). Includes households of self-employed and non-profit institutions servicing households (e.g. labour unions, religious communities and other non-profit organisations). Source: Statistics Sweden, Financial market statistics. Swedish Bankers Association Page 8

11 0 Mortgage credit institutions funding, SEK billion Distribution of various types of funding etc. Deposits from the public Deposist from financial institutions Certificates Bonds securities issued liabilities and equity Totalt Debenture loans Source: Statistics Sweden, Financial market statistics. Finance companies, bank-owned, December, 005 Balance Owner sheet total (SEK millions) Handelsbanken Finans Handelsbanken SEB Finans 7 7 SEB Nordea Finans 6 65 Nordea FöreningsSparbanken Finans FöreningsSparbanken Danske Finans 9 57 Danske Bank Wasa Kredit 8 6 Länsförsäkringar Bank Source: Finance companies included in the list. Corporate finance institutions, December, 006 Loans outstanding Owner (SEK millions) AB Svensk Exportkredit 9 48 The state Kommuninvest i Sverige AB 66 8 Kommuninvest ekonomisk förening Landshypotek AB 7 89 Landshypotek ekonomisk förening FöreningsSparbanken Jordbrukskredit AB 88 Swedbank Hypotek Svenska Skeppshypotekskassan 6 09 The state Including the subsidiaries Sveriges Allmänna Hypoteksbank, Landshypotek Jordbrukskredit and Lantbrukskredit. Source: Each institute respectively. Swedish Bankers Association Page 9

12 Insurance companies, December, 006 Assets (SEK m) Per cent Skandia , SEB Trygg Liv , AMF Pension ,8 Handelsbanken Liv (incl. SPP Liv) 8 458,8 Länsförsäkringar ,7 Folksam (incl. KPA och Förenade Liv) ,8 Swedbank Försäkring ,4 Nordea Liv 4 6,6 Danica Fond (Danske Bank) ,4 Moderna Försäkringar , SalusAnsvar 96 0, s 84 0,8 Total ,0 Life insurance, excl. labour market insurance. Source: Swedish Insurance Federation. 4 Fund Management Companies, December, 006 Assets under management (SEK m) Per cent Robur (Swedbank) , SEB Fonder ,8 Handelsbanken Fonder (incl. SPP's mutual funds) 56, Nordea Fonder 97 9, Sjunde AP-fonden 8 7 5,0 Länsförsäkringar Fonder 6 587,8 Skandia Fonder 5 96, Folksams fonder (incl. KPA's mutual funds) ,0 AMF Pension 4 664,6 Danske Fonder 5 5,6 s ,9 Total ,0 Sjunde AP-fonden is an authority owned by the state that has been set up to administer two funds within the premium pension system. Source: The newsletter "Fond & bank" Swedish Bankers Association Page 0

Banks in Sweden. Facts about the Swedish banking market. Contents

Banks in Sweden. Facts about the Swedish banking market. Contents Facts about the Swedish banking market Contents The Swedish financial market 1 Structure of the banking industry 2 Deposits and lending 3 The major banking groups 4 Banks in Sweden 5 Mortgage credit institutions