Swedbank was founded in 1820, as Sweden’s first savings bank was established. Today, our heritage is visible in that we truly are a bank for each and every one and in that we still strive to contribute to a sustainable development of society and our environment. We are strongly committed to society as a whole and keen to help bring about a sustainable form of societal development. Our Swedish operations hold an ISO 14001 environmental certification, and environmental work is an integral part of our business activities.

1. Business
Bank of the
year 2009
Swedbank
A corporate presentation
31 December, 2009

2. © Swedbank 2

3. The bank should never be far away, neither physically nor
metaphorically. Becoming and remaining a customer should
always be easy. Our aim is to have an active and ongoing
dialogue with our customers.
Everyone should feel welcome at Swedbank.
© Swedbank

4. Our vision
We want to be the leading financial institution in the markets
where we are present. By leading we mean:
• the highest customer satisfaction
• the best profitability
• the most attractive employer
© Swedbank

5. In brief
31 December, 2009 Swedish Baltic Russia Ukraine
Banking Banking
Employees 8 480 6 950 570 2 880
Number of branches 381 226 8 156
Private customers 4.1 million 5.3 million 24 100 0,1 million
Corporate customers 285 000 249 000 1 100 18 100
ATMs 802 1 369 31 219
Internet banking customers 2.9 million 2.9 million
31 December, 2009
Total assets, SEKbn 1 795
Operating profit, SEKm - 9 461
(Jan-December 2009)
Total lending to the public, SEKbn 1 291
Fund investments, SEKbn 676
Return on equity, % Neg.
(Jan-December 2009)
© Swedbank

6. Our home markets
Sweden
Population 9.2 m Latvia
Employees 8 480 Population 2.3 m
Private customers 4.1 m Employees 1 846
of which Internet customers 2.7 m Private customers 0.9 m
Corporate customers 285 000 of which Internet customers 0.8 m
out of which Internet customers 258 000 Corporate customers 60 000
Organizations 115 000 Branches 59
Branches 381 ATMs 369
ATMs 802 Cards 0.9 m
Cards 3.7 m
Estonia Lithuania
Population 1.3 m
Population 3.4 m
Employees 2 619
Private customers 1.2 m Employees 2 485
of which Internet customers 0.9 m Private customers 3.2 m
Corporate customers 99 000 of which Internet customers 1.2 m
Branches 68 Corporate customers 90 000
ATMs 556 Branches 99
Cards 1.2 m ATMs 444
Cards 1.7 m
© Swedbank

7. Other markets
Kaliningrad
Helsinki
Oslo
St. Petersburg
Moscow
Copenhagen
Kiev
Luxembourg
Marbella Tokyo
New York
Shanghai
© Swedbank

8. Our history
© Swedbank

9. Our history
1820 1915 1991 1992 1994 1995 1997 2005 2006 2007
Jordbrukskassan Föreningsbanken Sparbanken IPO IPO Föreningssparbanken Hansabank Swedbank TAZ
Sverige Föreningsbanken Sparbanken Sverige - Kommerzbank
We started out as Sweden’s first savings bank, and we like to
think that over the years we have actively helped build our
present-day society.
© Swedbank

10. Societal involvement and responsibility
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11. A wider context
We want to be a responsible citizen in society.
We have ambitious corporate guidelines in areas such as ethics,
working environment, gender equality and diversity. These help us
actively contribute to the sustainable development of our society – at
both local and international levels.
• Environmentally conscious products.
• Multicultural branches.
• Highest rating in the insurance company
Folksam’s gender equality index.
• Ethics & high business morals form the
foundation for the bank’s credibility
and reputation.
© Swedbank

12. Swedbank – a positive force in society
• A strong, local commitment to where we operate.
• We actively support organizations and projects that contribute to a positive
advancement of people, commerce and society.
© Swedbank

13. Our mission
By understanding and reacting to our customers’ needs, we can
offer them the best financial solutions and thereby help them to
improve their quality of life. In this way, we can continuously
increase our company’s value and serve as a positive force in
society.
© Swedbank

14. Our values
We believe that the Group’s strong results and increasing international
recognition are the result of a performance-orientated culture, clear and open
communication, a willingness to change and our employees´ strong
commitment.
The group’s values are:
• Results-oriented – we want to achieve
good results in everything we do
• Open – we are transparent and open
in our communication
• Innovative – we are willing to learn new
things and change
• Committed – we are jointly building a
sustainable business
© Swedbank

15. Our trademark
We want to be the best when it comes to service
To accomplish this, we live each day by the following principles:
• Customer needs always form the basis of our work
• Front-line services should always be easy to use
• We must be easily accessible and close to the customer
• We must have an active attitude towards our customers
• It should always be a pleasure to meet us
© Swedbank

16. Private
© Swedbank

17. Satisfied customers are our priority
We offer a full range of services, from the simplest errands to
qualified advisory services within…
• loans and mortgages
• savings and investing
• payment services
• insurance
• private banking
…via our branches, by phone and
through the internet
© Swedbank

18. Everyday banking
© Swedbank

19. We make life easier for our customers
Our products are easy to use and understand
• The Internet Bank, e-invoices, cards, giro or autogiro mean
payments are easy to make.
• You can make cash withdrawals in stores,
via ATMs or in our branches.
© Swedbank

20. Savings and Investments
© Swedbank

21. Finances play a central part in a person’s life
• There are many choices to make. We help our customers – on their terms.
• In the savings and investments area, there is a large selection of funds,
equity-linked bonds and other securities to choose from. A high-interest
savings account is yet another possibility.
• ”Fondtorget” – a fund marketplace where our customers can trade in both
Swedbank Robur’s funds and over 100 external funds.
• A well-developed website.
© Swedbank

22. Lending
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23. Financing
• Swedbank is the leading player in the Swedish retail mortgage market. With
a proactive approach to our customers – both regarding pricing and product
development.
• Consumer loans and finance company credit are other ways of financing.
• Here our customers have several options as well – borrow easily via the
Telephone Bank, the Internet Bank or visit a branch.
• By offering property insurance we add value, for
example for our mortgage customers or customers
using Swedbank to finance their car purchase.
We have insurance products for housing,
recreation and cars.
© Swedbank

24. Private Banking
© Swedbank

25. Tailor-made solutions for private individuals, companies and
foundations
Continuous, in-depth requirement reviews enable us to actively
create customized solutions that take changing financial needs into
account. A personal advisor is the key to all of the bank’s specialist
competence.
• Financial planning
• Investment advice
• Asset management
• Individual solutions e.g. other types of investment
• Ownership and generation shifts
• Branches in 30 areas in Sweden as well as in
Luxembourg, Spain and the Baltic states
© Swedbank

26. Corporate
© Swedbank

27. We make it easier for our customers to own, lead and develop their
companies
• We are the commercial bank for growing companies.
• We offer comprehensive and attractive banking services which
we adjust to each company’s particular requirements.
© Swedbank

28. A strategic partner for companies, large organisations and the
public sector
• We help our corporate customers fulfil their business goals – both in the
short and the long term.
• A certified business advisor and one’s own customer team create the best
total solutions for each customer.
• The bank’s experts on complex business deals in all areas are also
on hand.
• - international trade - company acquisitions and divestments
- change of ownership - legal insurance
- asset management - cash management
- securities and - risk management
currency trading - tax repercussions and
effect on key ratios
© Swedbank

29. A comprehensive approach to your company’s business
• We offer products, services and advice in areas such as:
- pensions & insurance - financing
- risk management - e-services
- cash management - asset management
- international business - taxation & legal
- ownership changes - corporate brokerage
- investments - property services
© Swedbank

30. Forestry and Agriculture
© Swedbank

31. A longstanding tradition
• Good knowledge of the industry together with the bank’s specialist network
provide the best service within this area
• Over two hundred staff members working with agriculture in the whole
country
• We provide comprehensive financing on everything from buildings to
machines, provide advances on EU subsidies and advice on safe
investments
• Good insurance solutions increase your security
• Simplify running your business with services
facilitating payments, accounting and finances
– business accounts; bank giro, auto giro,
cards, e-accounting, Internet Bank and
Telephone Bank
© Swedbank

32. Our employees
© Swedbank

33. Swedbank employees
• The most attractive employer in the financial services sector in
Sweden. Number one in Estonia and Latvia regardless of sector.
• Around 20 000 employees in the Nordic region, Baltic states and
other parts of the world.
• A company culture based on our values – results-oriented, open,
innovative and committed.
• Young Professionals.
• 58+
© Swedbank

34. Swedbank is just a step, a click or a ring away
It should always be easy to get in touch with us, with generous
opening hours and a first-class service level via the Internet bank,
the Telephone bank or face-to-face meetings.
Many of our services are available 24 hours a day,
365 days of the year.
Call us, log on to the Internet bank or visit
one of our branches!
© Swedbank