This is Swedbank. 18 July, 2018
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- Peregrine Mosley
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1 This is Swedbank 18 July, 2018
2
3 Sweden, Estonia, Latvia and Lithuania are our home markets 16.3 million inhabitants 7.4 million private customers corporate customers 316 branches employees
4 Our home markets Sweden Latvia Inhabitants 10.1 million Private customers 4.0 million Corporate customers* Branches 191 Employees Inhabitants 2.0 million Private customers 0.9 million Corporate customers* Branches 33 Employees Estonia Sweden Lithuania Inhabitants 1.3 million Private customers 0.9 million Corporate customers* Branches 33 Employees Estonia Latvia Lithuania Inhabitants 2.9 million Private customers 1.5 million Corporate customers* Branches 59 Employees *including organisations 4
5 Our global presence Sweden Norway Denmark Finland Estonia Latvia Lithuania USA Luxembourg China Home markets Other markets South Africa
6 Swedbank in figures Lending, SEK billion (30 June, 2018) Operating profit, SEK million (Jan-June 2018) Deposits, SEK billion (30 June, 2018) 975 Return on equity (Jan-June, 2018) 19,2 %
7 Who we are We enable people, businesses and society to grow. Vision Open Simple Caring Values We encourage a sound and sustainable financial situation for the many households and businesses. Purpose
8 Once upon a time We started in1820, as Sweden s first savings bank. Our purpose was to combat poverty and to encourage ordinary people to save for a better future Jordbrukskassan Sparbanken Sverige IPO Sparbanken Sverige Hansabank Sparbanken Öresund Föreningsbanken IPO Föreningsbanken Föreningssparbanken Swedbank
9 Our engagement in society continues With a focus on social, economic and environmental sustainability.
10 We get involved where our customers are (examples) Against bullying In Sweden, we collaborate with the Friends Foundation (Stiftelsen Friends), to prevent bullying among children. Local associations We engage in local community associations, focusing on initiatives that benefit young people. Support to teachers Through Mission Possible we help students in Latvia to become inspiring teachers and future leaders. Introduction to business life In Lithuania, we have I will be, an initiative that s about introducing young people to different professions. In Sweden, we collaborate with Junior Achievement (Ung Företagsamhet), which trains students in entrepreneurship. Internships Through Job at Last (Äntligen Jobb) we help arrange internships for academics born abroad during six months. Teach economy Through Ready for Life we teach private economy at Latvian schools. In Sweden we have a similar initiative, Young Economy (Ung Ekonomi). For the younger ones we publish Lyckoslanten, one of Sweden s biggest children s magazines. Fotboll A partner to the Swedish Football Association. The environment We were certified according to ISO back in 2003 as the first listed Nordic bank. Portal for donations I Estland bidrar vi med pengar och kunskap till I Love to Help, en portal för donationer till ett 40-tal hjälporganisationer.
11 Our employees We invest in our employees development. We create opportunities for internal mobility. We work for equality and diversity. We help our employees to find a balance between their job and private life. Our goal is to have the industry s best managers.
12 The world is changing. And so are we.
13 Customers new needs New competitors Macroeconomic developments New regulations
14 Customers new needs More and more customers are choosing to do their daily banking using a computer, smartphone or tablet. At the same time many customers want personal help, especially in cases that are a bit more complex. Our future: Customers should be able to handle all their daily banking digitally, but also be able to get personal, customised help at our branches.
15 Macroeconomic developments Due to globalisation, both we and our customers are increasingly affected by what happens in the world. Demographic changes such as urbanisation and population growth are creating new business opportunities. Low inflation has resulted in an expansive monetary policy and low interest rates. Our customers are taking greater risks and bigger loans. Our future: To remain a strong, relevant bank, we need to constantly adapt to the changes around us.
16 New competitors Our competitors are both global banks and companies that are operating outside the traditional banking sector. Our future: We must make it even easier to manage daily banking digitally. And we must become even better at transforming customer data into customer insights, in order to provide tailor-made services and products.
17 New regulations In the past few years, several new regulations have been introduced, nationally as well as within EU and globally. The regulations aim to increase financial stability and to protect consumers. Our future: The new regulations will increase our costs and put pressure on our profits. Nevertheless, we welcome these regulations as they contribute to increased stability. As a matter of fact, Swedbank is one of Europe s best capitalised banks.
18 Examples of new EU regulations MiFID2 Increases consumer protection and transparency for trading in funds and other savings products. PSD2 Opens up the banking market, providing the potential for additional new services. GDPR Protects your personal data and expands on the regulations in the Swedish Personal Data Act.
19 We are a part of our customer s day throughout their life.
20 Our private customers Saving for a trip around the world Saving for his retirement Recently bought a summer cottage Planning to buy a new car Has her own savings account Stock trader
21 Our private customers Almost half of the population in our home markets are Swedbank customers! Here are a few of the things we help them with: Loans & mortgages Savings & investments Payment services Pension and insurance Private banking
22 Our corporate customers Wants to start a company Dreams about retirement Wants to sell his company On her way to the stock exchange Needs to hire staff Needs more capital Swedbank 22
23 Our corporate customers In a company, anything can happen. To be able to help our customers in every possible scenario, we offer expertise in the following areas: Pensions & insurance Risk management Cash management International business Transfer of ownership Investment Financing E-services Asset management Taxes & legal services Business management Property management
24 There are many ways to Swedbank Digital services Via smartphone, tablet or computer Customer Phone Social media 334 branches
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