Savings Barometer                                                     QIV 2010             Savings Barometer Fourth Quarte...
SEB Savings BarometerFourth Quarter 2010 Total household savings = bank deposits, life insurance,  mutual funds, bonds, g...
Development Fourth Quarter 2010•New savings were 49bn kronor, of which 30bn were the yearlyallocation to premium pensions ...
Development Fourth Quarter 2010SEK bnValue, beginning of quarter          9,989Savings                                +49V...
Swedish Household Savings                                                                    Total household savings haveS...
Total Household Savings MarketMarket Shares December 31 2010 (September 30 2010)                   Others                 ...
Household SavingsMarket Shares December 31 2010Share, per cent        Bank       Trad.   U-L        Mutual Bonds Prem     ...
”Security Savings”  December 31 2000                                              December 31 2010                        ...
Total Household Savings100%90%80%70%60%                                                                            Housing...
Total Household Savings Market Shares (excluding shareholdings and housing) December 31 2010 (December 31 2005)100%80%    ...
Bank Deposits, Market Shares   December 31 2010 (December 31 2005)100%                                                    ...
Traditional Insurance, Market SharesDecember 31 2010 (December 31 2005) 100%                                              ...
Unit-linked Insurance, Market Shares December 31 2010 (December 31 2005)100%                                              ...
Mutual Funds, Market SharesDecember 31 2010 (December 31 2005) 100%  90%                                                  ...
Premium Pensions, Market SharesDecember 31 2010 (December 31 2005) 100%                                                   ...
Bonds, Market SharesDecember 31 2010 (December 31 2005)                                                                   ...
Savings - Distributed by CompanySEK m            05-IV     06-II     06-IV      07-II        07-IV             08-II    08...
Savings - Distributed by Assets          05-IV    06-II     06-IV   07-II   07-IV   08-II   08-IV   09-II   09-IV   10-II ...
New Savings                                            Excluding Premium Pensions SEK m                                   ...
New Savings                                                         Excluding Premium PensionsSEK m                       ...
New Savings                                       Fourth Quarter 2010            Premium Pensions                         ...
New Savings                                   Fourth Quarter 2010                     SPP                   Alecta        ...
Change of Total Savings                                      Fourth Quarter 2010          Premium Pensions                ...
Change of Total Savings                                 Fourth Quarter 2010          Others           Govt          Alecta...
New Savings and Change of Savings Stock SEK m 300 000                                                                    N...
Houshold Assets                                                    Fixed-income                 Equities              Hous...
”Balance sheet” of Households    SEK m                                                               Assets          Liabi...
Share Prices in Stockholm                               AGFX, 1995-12-30= 100 (linked to SIX GX)450400350300250200150100 5...
New houshold loans QIIIcompared with correspondingquarter previous yearQIV 2010                       + 41 bnQIV 2009     ...
Household loans(Change in per cent compared to previous year)  Decembere 31 2001                    +            7.4%  Sep...
Household Assets and LiabilitiesDecember 31 2010    Housing/Mortgage loans    Equities/Bank loans           Fixed-income/C...
Household Assets and Liabilities        December 31 2010                   Housing/Mortgage loans         Equities/Bank lo...
Loans SEK m                                                                        SEK 200bn reclassified                 ...
Households’ liability/asset ratio    Per cent                                                         Liability/ asset rat...
SEK m                        Savings - Distributed by Company 01-I   01-III   02-I    02-III   03-I   03-III   04-I   04-I...
Savings - Distributed by Assets      01-I      01-III   02-I     02-III   03-I     03-III   04-I   04-III   05-I     05-II...
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SEB's Savings Barometer fourth quarter 2010 Graphs

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The savings stock of Swedes on December 31 2010 amounted to SEK 10,169 billion, an increase by 180 billion during the last quarter. Net savings during the quarter amounted to SEK 49 billion.

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SEB's Savings Barometer fourth quarter 2010 Graphs

  1. 1. Savings Barometer QIV 2010 Savings Barometer Fourth Quarter 2010
  2. 2. SEB Savings BarometerFourth Quarter 2010 Total household savings = bank deposits, life insurance, mutual funds, bonds, government savings plans, premium pensions and - when noted - directly held equities and housing. Sources: Statistics Sweden, Bank of Sweden, Swedish National Board of Student Aid (CSN), Swedish Insurance Federation, Swedish Mutual Fund Association, Svensk Fondstatistik/MoneyMate, NASDAQ OM Stockholm Exchange, NGM/NDX, SHB, Nordea Life, SEB Trygg Life, Swedish Pensions Agency, maklarstatistik.se, interim and annual reports of companies. Compiled by Carl Holm, SEB Trygg Life Savings Barometer Fourth Quarter 2010
  3. 3. Development Fourth Quarter 2010•New savings were 49bn kronor, of which 30bn were the yearlyallocation to premium pensions and 36bn were saved in bankdeposits. Bond savings showed a negative figure of 15bn.•On the Stockholm Stock Exchange (NASDAQ OM) the AGFXindex increased by 7.4 per cent.•Housing prices decreased by 0.3 per cent.•Households increased borrowing by 1.5 per cent during thefourth quarter. For twelve months the increase was 7.4 percent.•SEB had a 12.2 per cent market share and Swedbank 14.4 percent. Alecta had 9.8 per cent, Skandia 9.2, Nordea andHandelsbanken 8.7 each. Savings Barometer Fourth Quarter 2010
  4. 4. Development Fourth Quarter 2010SEK bnValue, beginning of quarter 9,989Savings +49Value, shareholdings directly held +57Value, housing -12Value, other assets +86Value, end of quarter 10,169Loans -2,704Net assets 7,465 Savings Barometer Fourth Quarter 2010
  5. 5. Swedish Household Savings Total household savings haveSEK m increased by 37.9% since year- end 2005, from SEK 7,376 bn to SEK 10,169 bn.5 000 0004 500 0004 000 0003 500 0003 000 000 Bank deposits2 500 000 Trad insurance2 000 000 Unit-linked insurance Mutual funds1 500 000 Bonds1 000 000 Premium Pensions 500 000 Shareholdings 0 Housing 05-IV 06-IV 07-IV 08-IV 09-IV 10-IV Savings Barometer Fourth Quarter 2010
  6. 6. Total Household Savings MarketMarket Shares December 31 2010 (September 30 2010) Others SEB 13.3 (12.8)% 12.2 (12.4)% Government 3.4 (3.2) Swedbank 14.4 (14.4)% Alecta9.8 (9.8) % Folksam Skandia 4.8 (5.1)% 9.2 (9.3)% LF Nordea 4.6 (4.8)% Handelsbanken 8.7 (8.8)% AMF SPP 8.7 (8.5)% 7.6 (7.6)% 3.2 (3.3)% Savings Barometer Fourth Quarter 2010
  7. 7. Household SavingsMarket Shares December 31 2010Share, per cent Bank Trad. U-L Mutual Bonds Prem Total deposits insur. insur. funds PensSEB 11.7 9.9 26.1 13.6 9.4 1.8 12.2Alecta 26.8 9.8Skandia 2.7 17.2 19.6 0.0 1.1 9.2LF 3.5 6.6 9.4 0.6 3.0 4.6Folksam 10.6 7.9 4.8AMF 17.2 3.9 0.8 8.5 7.6Handelsbanken 18.5 1.9 6.9 12.9 18.5 3.0 8.7Storebrand/SPP 5.4 6.4 6.1 3.2Nordea 16.2 1.2 1.9 20.6 9.7 3.8 8.7Swedbank 23.9 1.0 14.2 29.3 9.0 18.5 14.4Government 35.3 27.1 3.4Others 23.6 2.2 3.6 22.3 18.1 27.2 13.3 Savings Barometer Fourth Quarter 2010
  8. 8. ”Security Savings” December 31 2000 December 31 2010 Bank deposits Trad insurance U-L insurance Premium Pensions Mutual funds Bonds Shares 44.6% 48.4% Savings Barometer Fourth Quarter 2010
  9. 9. Total Household Savings100%90%80%70%60% Housing50% Shareholdings40% Premium Pensions Bonds30% Mutual funds20% U-L insurance10% Trad insurance 0% Bank deposits 05-IV 06-IV 07-IV 08-IV 09-IV 10-IV Savings Barometer Fourth Quarter 2010
  10. 10. Total Household Savings Market Shares (excluding shareholdings and housing) December 31 2010 (December 31 2005)100%80% Others 13.3% (10.3) Government 3.4% (3.4) Folksam 4.8% (4.0)60% Alecta 9.8% (10.9) AMF 7.6% (7.8) LF 4.6% (5.0) Storebrand 3.2% (-)40% Handelsbanken 8.7% (11.2) Nordea 8.7% (8.9) Skandia 9.2% (11.1) Swedbank 14.4% (14.4)20% SEB 12.2% (13.1) 0% 05-IV 06-IV 07-IV 08-IV 09-IV 10-IV Savings Barometer Fourth Quarter 2010
  11. 11. Bank Deposits, Market Shares December 31 2010 (December 31 2005)100% Other banks 23.6% (21.2)80% Swedbank 23.9% (25.6) Nordea 16.2% (18.3)60% Handelsbanken 18.5% (15.9)40% LF 3.5% (3.1) Skandia 2.7% (3.7)20% SEB 11.7% (12.2) 0% 05-IV 06-IV 07-IV 08-IV 09-IV 10-IV Savings Barometer Fourth Quarter 2010
  12. 12. Traditional Insurance, Market SharesDecember 31 2010 (December 31 2005) 100% Others 2,2% (1,5%) Swedbank 1,0% (0,2) 80% AMF 17.2% (16.7) Nordea 1.2% (1.2) Alecta 26.8% (26.2) 60% Storebrand 5.4% (-) Handelsbanken 1.9% (7.3) 40% Folksam 10.6 (6.9) LF 6.6% (7.2) Skandia 17.2% (20.0) 20% SEB 9.9% (12.8) 0% 05-IV 06-IV 07-IV 08-IV 09-IV 10-IV Savings Barometer Fourth Quarter 2010
  13. 13. Unit-linked Insurance, Market Shares December 31 2010 (December 31 2005)100% Others 3.6% (1.6) AMF 3.9% (2.9)80% Swedbank 14.2% (16.1) Storebrand 6.4% (-)60% Handelsbanken 6.9% (14.4) Nordea 1.9% (2.2)40% Folksam 7.9% (6.5) LF 9.4% (9.2)20% Skandia 19.6% (21.8) SEB 26.1% (25.3) 0% 05-IV 06-IV 07-IV 08-IV 09-IV 10-IV Savings Barometer Fourth Quarter 2010
  14. 14. Mutual Funds, Market SharesDecember 31 2010 (December 31 2005) 100% 90% Övriga 23.0% (19.4) 80% Swedbank 29.3% (31.1) 70% 60% Nordea 20.6% (20.6) 50% Handelsbanken 12.9% (12.9) 40% 30% Folksam - (0.8) 20% LF 0,6% (1.7) 10% 0% SEB 13.6% (13.5) 05-IV 06-IV 07-IV 08-IV 09-IV 10-IV Savings Barometer Fourth Quarter 2010
  15. 15. Premium Pensions, Market SharesDecember 31 2010 (December 31 2005) 100% Others 27.2% (20.5) Staten 27.1% (31.1) 80% Swedbank 18.5% (13.7) Nordea 3.8% (2.6) 60% Storebrand 6.1% (-) Handelsbanken 3.0% (10.4) 40% AMF 8.5% (8.3) Folksam - (5.7) 20% LF 3.0% (3.9) Skandia 1.1% (1.6) 0% SEB 1.8% (2.2) 05-IV 06-IV 07-IV 08-IV 09-IV 10-IV Savings Barometer Fourth Quarter 2010
  16. 16. Bonds, Market SharesDecember 31 2010 (December 31 2005) The change in bonds issued by SEB QI 2007 is mainly caused by the technique used for measurement and is significantly overstating real changes 100% Others 18.1% (13.6) 80% Govt 35.3% (49.6) 60% Swedbank 9.0% (12.2) 40% Nordea 9.7% (5.5) Handelsbanken 18.5% (16.4) 20% SEB 8.4% (2.8) 0% 05-IV 06-IV 07-IV 08-IV 09-IV 10-IV Savings Barometer Fourth Quarter 2010
  17. 17. Savings - Distributed by CompanySEK m 05-IV 06-II 06-IV 07-II 07-IV 08-II 08-IV 09-II 09-IV 10-II 10-IV800 000700 000600 000500 000400 000300 000200 000100 000 0 en nk ea B P F LF ta dia AM SE SP ec ba nk rd an Al No ba ed Sk els Sw nd Ha Savings Barometer Fourth Quarter 2010
  18. 18. Savings - Distributed by Assets 05-IV 06-II 06-IV 07-II 07-IV 08-II 08-IV 09-II 09-IV 10-II 10-IV SEK m 2000000 1800000 1600000 1400000 1200000 1000000 800000 600000 400000 200000 0 Bank Trad Unit-linked Mutual funds Bonds Premium deposits insurance ins Pensions Savings Barometer Fourth Quarter 2010
  19. 19. New Savings Excluding Premium Pensions SEK m Quarterly figures70 00060 00050 00040 00030 00020 00010 000 0 06-I 06-II 06-III 06- 07-I 07-II 07-III 07- 08-I 08-II 08-III 08- 09-I 09-II 09-III 09- 10-I 10-II 10-III 10--10 000 IV IV IV IV IV-20 000-30 000-40 000 Savings Barometer Fourth Quarter 2010
  20. 20. New Savings Excluding Premium PensionsSEK m 12 month figures200 000180 000160 000140 000120 000100 000 80 000 60 000 40 000 20 000 0 06-I 06-II 06-III 06-IV 07-I 07-II 07-III 07-IV 08-I 08-II 08-III 08-IV 09-I 09-II 09-III 09-IV 10-I 10-II 10-III 10-IV Savings Barometer Fourth Quarter 2010
  21. 21. New Savings Fourth Quarter 2010 Premium Pensions Bonds Mutual funds U-L insurance Trad insurance Bank deposits-20 000 -10 000 0 10 000 20 000 30 000 40 000 SEK m Savings Barometer Fourth Quarter 2010
  22. 22. New Savings Fourth Quarter 2010 SPP Alecta AMF Swedbank Nordea Handelsbanken Folksam LF Skandia SEB-4 000 -2 000 0 2 000 4 000 6 000 8 000 10 000 12 000 14 000 SEK m Savings Barometer Fourth Quarter 2010
  23. 23. Change of Total Savings Fourth Quarter 2010 Premium Pensions Bonds Mutual funds U-L insurance Trad insurance Bank deposits Shareholdings Housing-20 000 -10 000 0 10 000 20 000 30 000 40 000 50 000 60 000 70 000 SEK m Savings Barometer Fourth Quarter 2010
  24. 24. Change of Total Savings Fourth Quarter 2010 Others Govt Alecta SPP SHB AMF Swedbank Nordea LF Skandia SEB-5 000 0 5 000 10 000 15 000 20 000 25 000 30 000 35 000 SEK m Savings Barometer Fourth Quarter 2010
  25. 25. New Savings and Change of Savings Stock SEK m 300 000 New Savings Change of Savings Stock 200 000 100 000 0 06-I 06-II 06-III 06-IV 07-I 07-II 07-III 07-IV 08-I 08-II 08-III 08-IV 09-I 09-II 09-III 09-IV 10-I 10-II 10-III 10-IV -100 000 -200 000 -300 000 Savings Barometer Fourth Quarter 2010
  26. 26. Houshold Assets Fixed-income Equities HousingSEK bn5 0004 5004 0003 5003 0002 5002 0001 5001 000 500 0 -IV -II -IV -II -IV -II -IV -II -IV -II IV -II -IV -II -IV -II -IV -II -IV -II -IV 00 01 01 02 02 03 03 04 04 05 05 06 06 07 07 08 08 09 09 10 10 Savings Barometer Fourth Quarter 2010
  27. 27. ”Balance sheet” of Households SEK m Assets Liabilities 12 000 000 10 000 000 8 000 000 6 000 000 4 000 000 2 000 000 0 -IV -II -IV -II -IV -II -IV -II V -II -IV -II -IV -II -IV -II -IV -II V -II -IV 00 01 01 02 02 03 03 04 04 -I 05 05 06 06 07 07 08 08 09 09 -I 10 10 Savings Barometer Fourth Quarter 2010
  28. 28. Share Prices in Stockholm AGFX, 1995-12-30= 100 (linked to SIX GX)450400350300250200150100 50 0 01 02 03 04 05 06 07 08 09 10 20 20 20 20 20 20 20 20 20 20 Savings Barometer Fourth Quarter 2010
  29. 29. New houshold loans QIIIcompared with correspondingquarter previous yearQIV 2010 + 41 bnQIV 2009 + 61 bnQIV 2008 + 39 bnQIV 2007 + 53 bnQIV 2006 + 61 bnQIV 2005 + 57 bn Savings Barometer Fourth Quarter 2010
  30. 30. Household loans(Change in per cent compared to previous year) Decembere 31 2001 + 7.4% September 30 2010 + 8.3% June 30 2010 + 8.3% March 31 2010 + 8.8% December 31 2009 + 8.5% Savings Barometer Fourth Quarter 2010
  31. 31. Household Assets and LiabilitiesDecember 31 2010 Housing/Mortgage loans Equities/Bank loans Fixed-income/Consumer credits 12 000 10 000 8 000 6 000 4 000 2 000 0 Assets Liabilities SEK bn Savings Barometer Fourth Quarter 2010
  32. 32. Household Assets and Liabilities December 31 2010 Housing/Mortgage loans Equities/Bank loans Fixed-income/Consumer credits 12 000 10 000 8 000 6 000 4 000 2 000 0 Ass Liab Ass Liab Ass Liab Ass Liab Ass LiabFirst Quarter of Indicated 97 97 00 00 03 03 06 06 10 10Year, SEK bn., for 2010Fourth Quarter Savings Barometer Fourth Quarter 2010
  33. 33. Loans SEK m SEK 200bn reclassified from mortgage to bank1 800 000 loans in QIV 20071 600 0001 400 0001 200 0001 000 000 800 000 Mortgage loans 600 000 Bank loans Consumer credits 400 000 Govt student loans 200 000 0 05-IV 06-IV 07-IV 08-IV 09-IV 10-IV Savings Barometer Fourth Quarter 2010
  34. 34. Households’ liability/asset ratio Per cent Liability/ asset ratio 35 30 25 20 15 10 5 0 -IV -II -IV -II -IV -II -IV -II -IV -II -IV -II -IV -II -IV -II -IV -II -IV 01 02 02 03 03 04 04 05 05 06 06 07 07 08 08 09 09 10 10 Savings Barometer Fourth Quarter 2010
  35. 35. SEK m Savings - Distributed by Company 01-I 01-III 02-I 02-III 03-I 03-III 04-I 04-III 05-I 05-III 06-I 06-III 07-I 07-III 08-I 08-III 09-I 09-III 10-I 10-III800 000700 000 Slide not updated600 000500 000400 000300 000200 000100 000 0 SEB Swedbank Skandia Nordea Handelsbanken LF AMF Alecta Savings Barometer Fourth Quarter 2010
  36. 36. Savings - Distributed by Assets 01-I 01-III 02-I 02-III 03-I 03-III 04-I 04-III 05-I 05-III 06-I 06-III 07-I 07-III 08-I 08-III 09-I 09-III 10-I 10-III SEK m20000001800000 Slide not updated1600000140000012000001000000800000600000400000200000 0 Bank deposits Trad insurance U-L insurance Mutual funds Premium Bonds Pensions Savings Barometer Fourth Quarter 2010

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