Highlights of Stadshypotek s Annual Report 2002
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1 18 February 2003 Press release Highlights of Stadshypotek s Annual Report 2002 Summary Operating profit increased to SEK 4 711m Net interest income rose by SEK 212m to SEK 4 820m Expenses fell by 20% due to ongoing improvements in efficiency Recoveries exceeded new loan losses Increased marketshare for corporate lending and stable growth of private market volumes Increased customer benefit through development of new Internet-based services Redemption of preference shares in Handelsbanken Hypotek Merger process between Stadshypotek and Handelsbanken Hypotek going according to plan Results continue to be strong The Stadshypotek Group s operating profits increased to SEK 4 711m (4 543), the highest result ever for Stadshypotek. This means that operating profits have improved each year since Handelsbanken acquired the company in The higher result is mainly due to increased net interest income and lower expenses. Operating income Net interest income rose by SEK 212m to SEK 4 820m (4 608). The increase is the result of higher lending volumes and an improved lending margin due to further increase in private market lending. Lower interest rates in 2002, combined with lower shareholders equity, have had a negative impact on net interest income. Street Address Mail Address Phone Fax Stadshypotek AB (publ) Registered in: Stockholm Business org. no: Kungsträdgårdsgatan STOCKHOLM
2 2 Expenses The Group s total expenses continue to fall, mainly as a result of ongoing improvements in efficiency. They were SEK 259m (323), a decrease of SEK 64m or 20%. Expenses include the agents commission which Handelsbanken Hypotek pays to Handelsbanken. Due to the subsidiary s lower lending volumes, agents commission was reduced by SEK 48m. Loan losses Recoveries exceeded new loan losses and the net amount recovered was SEK 160m (193), which corresponds to a loan loss ratio of -0.05% (-0.06) of lending. As at 31 December 2002, Stadshypotek s volume of bad debts before deduction of the reserve for probable loan losses amounted to SEK 1 939m (2 717). Of the bad debts, SEK 310m (620) were non-performing loans and SEK 1 629m (2 097) were loans on which the borrowers pay interest and amortisation but which are considered doubtful in view of the borrowers' repayment capacity and due to uncertainty as to the value of the collateral. After deduction of the reserve for probable loan losses, the volume of bad debts was SEK 1 350m (1 887). Lending Lending to the general public continues to increase and was SEK 366.2bn (349.9) as at 31 December Private market lending shows stable growth with an increase of SEK 17.4bn (20.5). Stadshypotek s share of the corporate market increased despite total corporate lending decreasing by SEK 1.1bn (3.4). Focus on customer benefit During the year, Stadshypotek launched two new Internet-based services which have been very well received by customers. In the summer, Fixing interest rates on the Internet was introduced, which since then has been used for some 25% of all rate fixings by customers. In the autumn, customers were able to use a function called Changing loan terms on the Internet which makes it easier and more flexible to select a new interest rate fixing period. The application procedure for the e-giro billing service was also improved and simplified in the autumn, which has led to a substantially increased interest in this service. Capital ratio As at 31 December 2002, the capital ratio was 9.8% (10.8). The lower capital ratio compared to the same date in the previous year is mainly due to increased lending volume. Mortgage company merger Stadshypotek and Handelsbanken Hypotek have applied to the Swedish Patent and Registration Office to implement the merger plan decided by the two companies in October 2002 whereby Handelsbanken Hypotek will be incorporated into Stadshypotek. The merger is expected to be completed in spring 2003 after which remaining loans in Handelsbanken Hypotek will be transferred to Stadshypotek s loan system. Stockholm, 18 February 2003 Claes Norlén Chief Executive
3 3 Profit and loss account Group Parent company SEK m Change % Interest income Interest expense Net interest income Other operating income Total income General administrative expenses - Staff costs Other Depreciation according to plan Total expenses Result before loan losses Loan losses, net 1) Operating profit Minority interests Appropriations Profit before taxes Taxes Net profit for the year ) Loan losses Individually valued claims The year s write-down for actual loan losses Write-back of previous provisions for probable loan losses which are reported as actual loan losses in the year s accounts The year s write-down relating to probable loan losses Recovered from actual loan losses in previous years Write-back of provisions for probable loan losses which are no longer necessary The year s net expense for loan losses
4 4 Balance sheet Group Parent company 31 December SEK m Assets Lending to credit institutions Lending to the general public Tangible assets Other assets Total assets Liabilities and shareholders' equity Liabilities to credit institutions Deposits from the general public Issued securities etc Other liabilities and provisions Minority interest Total liabilities Shareholders' equity Total liabilities and shareholders' equity Change in shareholders equity 31 december SEK m Opening shareholders' equity Group contribution Tax on paid group contribution Net profit for the period Closing shareholders' equity
5 5 Bad debts for the Stadshypotek Group 31 December SEK m Bad debts, gross Reserve for probable loan losses Bad debts, net Non-performing loans for which interest is reported as income Derivatives for the Stadshypotek Group 31 December 2002 Interest-rate related instruments Currency-related instruments Fair Book Fair Book SEK m value value value value Positive values Negative values Stadshypotek uses derivatives in order to hedge against risks on its own balance sheet and therefore applies hedge accounting with acquisition valuation. This means that the book values stated here only express the accrued interest amounts on the instruments. The differences between the fair values of the derivatives and the book values correspond to equally large, but opposite, differences between the fair values and the book values of the items on the balance sheet which are hedged by the derivatives. Quarterly earnings for the Stadshypotek Group SEK m 2002:4 2002:3 2002:2 2002:1 2001:4 Interest income Interest expense Net interest income Other operating income Total income General administrative expenses Staff costs Other Depreciation according to plan Total expenses Result before loan losses Loan losses Operating profit
6 6 Key financial figures and ratios for the Stadshypotek Group Overall interest margin, % 1,33 1,33 C/I ratio before loan losses, % 5,4 6,9 C/I ratio after loan losses, % 2,1 2,8 Loan loss level - 0,05-0,06 Proportion of bad debts, % 0,4 0,5 Bad debt reserve ratio, % Return on shareholders' equity, % 14,1 13,3 Capital ratio, % 9,8 10,8 Tier 1 capital ratio, % 9,8 10,8 Cash flow statement for the Stadshypotek Group Cash flow on operating activities Cash flow on investing activities 0 0 Cash flow on financing activities Cash flow for the year Liquid funds at beginning of period Cash flow for the year Liquid funds at end of period Publication dates for interim reports: Jan Mar 28 April 2003 Jan-June 19 Aug 2003 Jan-Sep 21 Oct 2003
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