FöreningsSparbanken. Nils-Fredrik Nyblæus. Deputy President and CFO
|
|
- Amos Hall
- 5 years ago
- Views:
Transcription
1 FöreningsSparbanken Nils-Fredrik Nyblæus Deputy President and CFO
2 2 Group objectives Market position Customers Employees Financial position
3 3 Basics of sustainable profitability Customer satisfaction Human capital Profitability
4 4 Objectives - market position Brands The strongest brands in specific markets for financial services within the Nordic/Baltic region Förenings Sparbanken Spintab Robur
5 5 Objectives - market position Market shares in Sweden Retail operations shall have at least 25 percent of new sales of savings and lending products by 2004, and 22 percent by 2003 Swedbank Markets share of stock trading (transaction volume) shall be at least 12 percent BABS shall maintain a market share of over 55 percent of card transaction clearance
6 Market share of total new savings *, Swedish market 6 30% 25% 20% 15% 10% 5% 0% M Target 2004 Target *) deposits from household customers, mutual funds, unit-linked insurance from all customer categories, retail bonds and equity linked bonds
7 7 Objectives - market position Market shares in Baltic states Hansabank's market share for deposits and lending is at least 50 percent (currently 57 and 58, respectively) in Estonia, 25 percent (currently 18 and 20) in Latvia and 35 percent (currently 31 and 18) in Lithuania Market shares in Denmark, Norway and Finland FIH retains its market share of 12 percent for medium and long term lending to corporates Norway and Finland dependent on alliances
8 8 Objectives - customers Regardless of geographical market, the bank shall have the highest customer satisfaction among both private and corporate customers (not yet achieved) In Sweden, no less than 60 percent of customers shall be very satisfied (not yet achieved) Operations in other countries have equivalent local objectives
9 9 Customer satisfaction is improving Index / Private individuals Corporates Source: Svenskt Kvalitetsindex
10 Internal benchmarking - large 10 potential Share of very satisfied customers TARGET 60% randomly measured local banks in Sweden
11 11 Objectives - employees To be considered the most attractive employer in the financial market among applicable employee groups (not yet achieved) In Sweden, an employee empowerment index rating of at least 40 percent (achieved in October, 2002) Operations in other markets have equivalent local objectives
12 Employee empowerment index 12 % 50 Local banks, Sweden
13 13 Objectives - financial targets Profitability Return on equity (ROE) is higher than the average for other listed Nordic competitors (currently yes) ROE exceeds the long-term risk-free rate (6%) plus a risk premium (6.5%) by 20% over a business cycle. Under current conditions, this would mean 15% (currently 12.1%) Operational efficiency Cost/income ratio not exceeding 50% (currently 62%)
14 14 Objectives - financial targets Dividend policy Payout ratio of at least 30 percent (56 in 2001) Financial strength Primary capital ratio in the range of percent (currently 7.1) Capital adequacy ratio to exceed 10.5 percent (currently 10.9) Credit risk Loan loss ratio shall not exceed 0.5 percent over a business cycle (currently 0.24)
15 15 ROE, September 2002 Adjusted for profit sharing schemes RoE % ,0 Den Norske Bank 13,1 9,2 Nordea 12,3 10,2 10,3 SEB Den Danske Bank 18,2 14,8 14,8 14,1 12,1 Handelsbanken FöreningsSparbanken 15,6 Average peergroup 15,8% 13,6% 11,4% September 2002 December 2001 December 2000
16 16 Pension adjustments, Swedish banks % 30 Pension adjustments in the P&L as a share of pretax profits SEB SHB FSPA Nordea dec -97 apr -98 aug -98 dec -98 apr -99 aug -99 dec -99 apr -00 aug -00 dec -00 apr -01 aug -01 dec -01 apr -02 aug -02 Source: Riksbanken
17 17 Cost/income ratio % 0,70 0,65 0,60 0,55 0,50 0,45 0, M-2002 Target
18 18 Dividend pay-out ratio % * % =minimum * 560% in 1997 Pay-out ratio
19 19 Capital adequacy and tier 1 ratio % Dec-95 Mar-97 Sep-97 Mar-98 Sep-98 Mar-99 Sep-99 Mar-00 Sep-00 Mar-01 Sep-01 Mar-02 Sep-02 Capital adequacy Tier 1 ratio
20 Loan loss ratio % 1,00 0,90 0,80 0,70 0,60 0,50 0,40 0,30 0,20 0,10 0,00 Loan loss ratio shall not exceed 0.5% over a business cycle Restriction = 0.5 percent M Loan loss ratio
21 21 Current sensitivity analysis Asset mgmt fees, mutual funds +/- 10 bp +/ Stock market +/- 10 % +/ Lending margins local banks +/- 10 bp +/ Bank lending & deposit vol. +/- 1 % (avg) +/ New savings in mutual funds SEK 1 bn (avg) Rents + 1 % Salaries + 1 % Loan loss level %
22 22 P&L threats 2003 Asset deterioration through worsened economy Renewed stock market decline Credit crunch Lower interest rates/deflation EMU costs and referendum uncertainty CFC taxation of Estonian subsidiaries (Hansa) Norway!
23 23 P&L opportunities 2003 Continued underlying income stability and cost control Increased market shares Improved lending margins Improved margin-mix in savings vs 2002 Improved stock market conditions Increased payment commissions From costs (SEK 300M in 2002) to savings (SEK 100M in 2003) from staff reduction programme Continued stable doubtful claims and good provision ratio OM and Marakanda write-downs in 2002 Baltics, Norway
24
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 informationFöreningsSparbanken 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 informationFact 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 informationSvenska Handelsbanken Third quarter 2002
Svenska Handelsbanken Third quarter 2002 22 October 2002 Profit and loss account, January - September Handelsbanken Group Change SEKm 2002 2001 % Net interest income 10 611 9 856 8 Commission, net 3 782
More informationAnnika 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 informationAnnika 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 informationCarnegie 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 informationFacts. 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 informationSwedbank 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 informationCapital market day Stockholm, Sweden November 30, FöreningsSparbanken. Annika Wijkström Group EVP and Head of Business Area Alliances
Capital market day Stockholm, Sweden November 30, 2001 FöreningsSparbanken Annika Wijkström Group EVP and Head of Business Area Alliances International alliances 3 Rationale for alliances Potential for
More informationDanske 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 informationQ4, 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 informationAnnika 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 informationInterim 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 informationFöreningsSparbanken (Swedbank) Preliminary year-end report for 2002 February 14, 2003
FöreningsSparbanken (Swedbank) Preliminary year-end report for 2002 February 14, 2003 Operating profit amounted to SEK 6,848 M 2002 in summary: Operating profit amounted to SEK 6,848 M (8,039) The return
More informationAnnika 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 informationSwedbank 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 informationInterim 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 informationAnnika Falkengren. The relationship bank of the Nordics. CEO & President. Copenhagen January 11, 2011
Annika Falkengren CEO & President The relationship bank of the Nordics Copenhagen January 11, 2011 SEB s anatomy 2010 in summary Outlook Conclusions 2 SEB a unique Nordic Bank Relationships Corporates
More informationAnnika 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 informationBanking 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 informationStable, 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 informationInterim 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 informationFacts FöreningsSparbanken
Q1 25 April 28, 25 Facts FöreningsSparbanken Contents page 1. Market position 2 2. International presence 4 3. Financial and strategic targets 5 4. Savings and investments 6 5. Lending 7 6. Profit trend
More informationUBS 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 informationAnnual 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 informationSvenska Handelsbanken Second quarter 2002
Svenska Handelsbanken Second quarter 2002 20 August 2002 Profit and loss account, January - June Handelsbanken Group Q2 Q2 Change SEKm 2002 2001 % Net interest income 7 025 6 464 9 Commission, net 2 549
More informationInvestor 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 informationInvestor 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 informationInvestor 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 informationFacts FöreningsSparbanken (Swedbank)
Q4, 25 February 15, 26 Facts FöreningsSparbanken (Swedbank) Contents page 1. Market position 2 2. International presence 4 3. Financial and strategic targets 5 4. Savings and investments 6 5. Lending 7
More informationFacts. Q1, April 2010
Facts 27 April 21 27 April 21 Contents page General information 2 Geographic reach 2 Macro economic indicators 3-4 Business volumes 5 Business volumes 5 Lending 6-7 Savings and investments 8 Other products
More informationFacts FöreningsSparbanken (Swedbank)
27 October 25 Facts FöreningsSparbanken (Swedbank) Contents page 1. Market position 2 2. International presence 4 3. Financial and strategic targets 5 4. Savings and investments 6 5. Lending 7 6. Profit
More informationFacts. Q2, 2010 July 22, 2010
Facts Q2, 21 July 22, 21 Q2, 21 22 July 21 Contents page General information 2 Geographic reach 2 Macro economic indicators 3-4 Business volumes 5 Business volumes 5 Lending 6-7 Savings and investments
More informationHandelsbanken 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 informationInvestor 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 informationQ1, April 28, Facts Swedbank
April 28, 26 Facts Swedbank Contents page 1 Market position 2 2. Strategy 4 3. Financial targets 5 4. Savings and investments 6 5. Lending 7 6. Profit trend and key figures 8 7. Income 1 8. Expenses 11
More informationInterim report for Swedbank January - March 2008 Stockholm, April 24, 2008
Interim report for Swedbank January - March 2008 Stockholm, April 24, 2008 Profit for first quarter 2008 in line with first quarter 2007 Profit for the period amounted to SEK 2,900m (2,910) Earnings per
More informationHandelsbanken. January September October 2018
Handelsbanken January September 2018 24 October 2018 1 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 Q114 Q214 Q314 Q414
More informationSEB 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 informationSvenska Handelsbanken Full-year result February 2002
1 Svenska Handelsbanken Full-year result 2001 12 February 2002 Profit & loss account, January - December Handelsbanken Group SEK m 2001 2000 Change % Net interest income 13 385 11 791 14 Commission, net
More informationFacts. Q3, 2006 October 26, 2006
Facts October 26, 26 Contents page 1. Market position 2 2. Strategy 4 3. Financial targets 5 4. Savings and investments 6 5. Lending 7 6. Profit trend and key figures 8 7. Income 1 8. Expenses 11 9. Profit
More informationAnnika 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 informationBank 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 informationSwedbank 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 informationHandelsbanken. January March April 2018
Handelsbanken January March 2018 25 April 2018 1 Q307 Q407 08 Q208 Q308 Q408 09 Q209 Q309 Q409 10 Q210 Q310 Q410 11 Q211 Q311 Q411 12 Q212 Q312 Q412 13 Q213 Q313 Q413 14 Q214 Q314 Q414 15 Q215 Q315 Q415
More informationSwedbank s third quarter 2017 results
Swedbank s third quarter 217 results Birgitte Bonnesen (CEO), Anders Karlsson (CFO), Helo Meigas (CRO) Swedish Banking Good loan volume growth SEKm Q3 17 Q2 17 QoQ Net interest income 3 811 3 792 19 Net
More informationSwedbank 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 informationKBW 2011 UK and European Financials Conference. Göran Bronner, CFO
KBW 211 UK and European Financials Conference Göran Bronner, CFO This is Swedbank Market leading retail franchise in its home markets Largest retail bank and fund manager in Sweden 6 % Market shares, May
More informationHandelsbanken. 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 informationHandelsbanken 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 informationInvestor 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 informationNew 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 informationCapital 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 informationInterim report Q October 2008 Jan Lidén President and CEO
Interim report Q3 2008 23 October 2008 Jan Lidén President and CEO Content Highlights in Q3 results The macro-economic environment Comments on issues in focus Funding and liquidity Credit quality Business
More informationSwedbank year-end report 2017
Swedbank year-end report 217 Birgitte Bonnesen (CEO), Anders Karlsson (CFO), Helo Meigas (CRO) Swedish Banking Solid mortgage volume growth SEKm Q4 17 Q3 17 QoQ Net interest income 3 861 3 812 49 Net commission
More informationDanske Bank acquires Sampo Bank. Primary markets and economies
Danske Bank acquires Sampo Bank Primary markets and economies November 9, 26 Disclaimer This presentation is not for release, publication or distribution in Australia, Canada, the Hong Kong Special Administrative
More informationHandelsbanken January June July 2009
Handelsbanken January June 2009 21 July 2009 Summary January - June 2009 compared with January June 2008 Operating profit increased by 14% till SEK 7,251m (6,352) Return on shareholders equity increased
More informationFöreningsSparbanken. Lars-Erik Kvist Group EVP and Chief Credit Officer
FöreningsSparbanken Lars-Erik Kvist Group EVP and Chief Credit Officer Lending and credit quality 2 3 Lending A sound profitability Annual growth rate in total lending 3.8 percent (9M-2002 growth annualized)
More informationBanks 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
More informationBack to basics: How can retail banking achieve superior returns?
Back to basics: How can retail banking achieve superior returns? Goldman Sachs European Financials Conference Frankfurt Tonny Thierry Andersen CFO & Member of the Executive Board June 5, 2009 Executive
More informationMorgan 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 informationFact 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 informationMeritaNordbanken. January - March 1999
MeritaNordbanken January - March 1999 1st quarter 1999 Growth in income and reduction in expenses Strong performance continues Operating profit EUR 489 million (FIM 2.9 billion, SEK 4.4 billion) Excluding
More informationInvestor 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 informationSwedbank 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 informationSwedbank s second quarter 2015 results Michael Wolf (CEO), Göran Bronner (CFO), Anders Karlsson (CRO) Swedbank
Swedbank s second quarter 215 results Michael Wolf (CEO), Göran Bronner (CFO), Anders Karlsson (CRO) Swedbank Swedish Banking Strong result in low interest rate environment SEKm Q2 15 Q1 15 QoQ Net interest
More informationExecutive 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 informationFacts & 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 informationSwedbank s second quarter 2018 results
Swedbank s second quarter 218 results Anders Karlsson (CFO), Helo Meigas (CRO) Group financial highlights TOTAL INCOME SEK 11.8bn 12 8 4 Total income, SEKbn Strong loan volume growth Higher commission
More informationAnnual Report Swedbank
Annual Report 2002 Swedbank FöreningsSparbanken Swedbank Annual Report 2002 Contents 4 Annual General Meeting 5 Highlights of 2002 6 President s statement Continued business development in a turbulent
More informationGoldman Sachs Financials Conference. Sustaining profitability despite challenging funding conditions. Frans Lindelöw
Goldman Sachs Financials Conference Sustaining profitability despite challenging funding conditions Frans Lindelöw Group Executive Management Berlin, 13 June 2008 Disclaimer This presentation contains
More informationSEB 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 informationOKO Bank Presentation. Finnish Economy Finnish Financial Industry OP Bank Group OKO Bank Funding Strategy
OKO Bank Presentation I II III IV V Finnish Economy Finnish Financial Industry OP Bank Group OKO Bank Funding Strategy 1 I Finnish Economy 2 Nordic countries in a nutshell Iceland Population: 0.3 million
More informationIncome statement - SEB Group
Income statement - SEB Group Previously reported Change Restated Jan-Dec Jan-Dec Jan-Dec Jan-Dec Jan-Dec Jan-Dec SEK m 2014 2015 2014 2015 2014 2015 Net interest income 19,943 18,938 19,943 18,938 Net
More informationGoldman 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 informationHansabank Group Financial Results Q2 2008
Hansabank Group Financial Results 2008 Content Highlights Volumes Income Expenses Risk 2 Highlights 2008 Following larger one-off events affected performance: Sale of Russian business unit. On 12 May 2008,
More informationABGSC Swedish Banks Treasury lunches
ABGSC Swedish Banks Treasury lunches Nov 11, 211 Anders Kvist Head of Group Treasury Balance Sheet, Liquidity & Funding A strong balance sheet structure Sep 21 Balance sheet structure Liquid assets Cash
More informationFact 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 informationFact 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 informationMeritaNordbanken. January - June 1999
MeritaNordbanken January - June 1999 January-June 1999 Stable performance sustained Operating profit EUR 769 million (FIM 4.6 billion, SEK 6.9 billion), adjusted for items affecting comparability EUR 655
More informationHandelsbanken January - June July 2010
Handelsbanken January - June 21 2 July 21 Accumulated dividends since 26 SEK Adjusted equity per share 2 175 15 125 1 75 5 2 Kv2 6 Kv3 6 Kv4 6 Kv1 7 Kv2 7 Kv3 7 Kv4 7 Kv1 8 Kv2 8 Kv3 8 Kv4 8 Kv1 9 Kv2
More informationNordea 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 informationSEB 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 informationHandelsbanken. January December February 2018
Handelsbanken January December 7 February 2018 Average annual growth in equity Including dividends* SEK/share 175 Adjusted equity per share Accumulated dividends since 2008 150 125 100 75 50 25 0 Q307
More informationUBS 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 informationFirst quarter results April Michael Wolf, CEO and Erkki Raasuke, CFO
First quarter results 2009 23 April 2009 Michael Wolf, CEO and Erkki Raasuke, CFO Reduce current risk levels 1. Secure asset quality by pro-active measures 2. Protect earnings capacity throughout the downturn
More informationINTERIM FINANCIAL STATEMENTS MANAGEMENT'S REPORT BUSINESS UNITS STATEMENTS
MANAGEMENT'S REPORT Financial highlights Executive summary 3 4 Strategy execution 6 Customer satisfaction 8 Outlook for 2015 9 Financial review 10 BUSINESS UNITS Personal Banking 15 Business Banking 17
More information1. About us. 2. Our market. 3. Our operations. 4. Financials. 5. Financing strategy. 6. Commercial paper programme. 7. Summary
1. About us 2. Our market 3. Our operations 4. Financials 5. Financing strategy 6. Commercial paper programme 7. Summary 2 Joachim Hallengren, CEO CEO of NCC Housing 2012 2016 and a total of 16 years experience
More informationInterim report for Swedbank January - June 2008 Stockholm, 16 July 2008
Interim report for Swedbank January - June 2008 Stockholm, 16 July 2008 Profit for the period rose by 8 percent compared with the first half year 2007 Profit for the period amounted to SEK 6 504m (6 022)
More informationFinancial 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 informationSwedbank Year-end report 2014
Swedbank Year-end report 214 Michael Wolf, CEO Göran Bronner, CFO Anders Karlsson, CRO Swedbank Swedish Banking Strong customer activity SEKm Q4 14 Q3 14 QoQ YoY Net interest income 3 31 3 372-71 -271
More informationDebt 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 informationTelephone 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 informationto the increase in net interest income, as did Hansabank.
Annual Report 2003 2003 in summary. 2003 was a successful year for Förenings- Sparbanken. Its return on equity was the highest among major Nordic banks. Income rose and loan losses fell. Business volumes
More informationPress 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 informationSvenska Handelsbanken Third Quarter 2000
Svenska Handelsbanken Third Quarter 2000 A presentation by Arne Mårtensson President and Group Chief Executive 24 October 2000 Anticipated nine-month profit: SEK 8 600m Handelsbanken Group SEK m 9 mths
More informationThis document is being provided for the exclusive use of PER HENJE at ARION BANKI HF
Nordic banks Cutting Danske estimates after q2, maintaining estimates on others Cutting our 11E and 12E Danske EPS estimates by 11% & 3% to DKK 6.9 & DKK 12.2 respectively on back of i) weaker than expected
More informationFact 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 informationFact 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