Swedbank Corporate Presentation Q1 2013


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A presentation of Swedbank and the operations in the bank, for the first quarter 2013.

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Swedbank Corporate Presentation Q1 2013

  1. 1. © SwedbankSwedbankA corporate presentationMarch 31, 2013
  2. 2. © Swedbank2
  3. 3. © SwedbankThe bank should never be far away, neither physically normetaphorically. Becoming and remaining a customer shouldalways be easy. Our aim is to have an active and ongoingdialogue with our customers.Everyone should feel welcome at Swedbank.
  4. 4. © SwedbankOur purposeWe promote a sound and sustainable financialsituation for the many householdsand enterprises.
  5. 5. © SwedbankIn brief31 March, 2013Total assets, SEKbn 1 917Operating profit, SEKm 4 894(Jan – Mar 2013)Lending to the public, SEKbn 1 183Return on equity, % 13.8 %(Jan – Mar 2013)Key figures, Group
  6. 6. © SwedbankOur home marketsSwedenPopulation 9.5mPrivate customers 4.0mCorporate customers 263 000Organizations 67 000Branches 308ATMs 444Cards 3.8mEmployees 7 920EstoniaPopulation 1.3mPrivate customers 1.0mCorporate customers 118 000Branches 57ATMs 496Cards 1.1mEmployees 2 408LatviaPopulation 2.0mPrivate customers 0.9mCorporate customers 84 000Branches 54ATMs 417Cards 1.0mEmployees 1 738LithuaniaPopulation 3.0mPrivate customers 2.0mCorporate customers 87 000Branches 81ATMs 503Cards 1.9mEmployees 1 948
  7. 7. © SwedbankOther markets
  8. 8. © SwedbankOur history
  9. 9. © SwedbankOur historyJordbrukskassan Föreningsbanken SparbankenSverigeIPOFöreningsbankenIPOSparbanken SverigeFöreningssparbanken Hansabank Swedbank TAZ- Kommerzbank1820 1915 1991 1992 1994 1995 1997 2005 2006 2007We started out as Sweden’s first savings bank, and we like to thinkthat over the years we have actively helped buildour present-day society.
  10. 10. © SwedbankSocietal involvement andresponsibility
  11. 11. © SwedbankA wider contextWe want to be a responsible citizen in society.We have ambitious corporate guidelines in areassuch as ethics, working environment, genderequality and diversity. These help us activelycontribute to the sustainable development of oursociety – at both local and international levels.• Environmentally conscious products.• Multicultural branches.• Highest rating in the insurance companyFolksam’s gender equality index.• Ethics & high business morals form thefoundation for the bank’s credibility andreputation.
  12. 12. © SwedbankSwedbank – a positive force in societyA strong, local commitment to where we operate.We actively support organizations and projects thatcontribute to a positive advancement of people,commerce and society.
  13. 13. © SwedbankOur valuesWe promote a sound and sustainable financial situation for the manyhouseholds and enterprises.Simple• We make banking easier• We make the complex simpleOpen• We are open to new ideas and people• We are honest and straightforwardCaring• We are service-minded, warm and helpful• We strive to build strong, lasting relationships
  14. 14. © SwedbankPrivate
  15. 15. © SwedbankSatisfied customers are our priorityWe offer a full range of services, from the simplesterrands to qualified advisory services within…• loans and mortgages• savings and investing• payment services• insurance• private banking…via our branches, by phone andthrough the internet
  16. 16. © SwedbankEveryday banking
  17. 17. © SwedbankWe make life easier for our customersOur products are easy to use and understand• The internet bank, mobile bank, e-invoices,cards, giro or autogiro mean payments are easyto make.• Make your cash withdrawals easily in stores orvia ATMs.
  18. 18. © SwedbankSavings and Investments
  19. 19. © SwedbankFinances play a central part in a person’s lifeThere are many choices to make. We help ourcustomers – on their terms.In the savings and investments area, there is alarge selection of funds, equity-linked bonds andother securities to choose from. A high-interestsavings account is yet another possibility.”Fondtorget” – a fund marketplace where ourcustomers can trade in both Swedbank Robur’sfunds and external funds, around 550 altogether.A well-developed website.
  20. 20. © SwedbankLending
  21. 21. © SwedbankFinancing• Swedbank is the leading player in the Swedishretail mortgage market. With a proactive approachto our customers – both regarding pricing andproduct development.• Consumer loans and finance company credit areother ways of financing.• Here our customers have several options as well– borrow easily via the telephone bank, theinternet bank or visit a branch.• By offering property insurance we add value, forexample for our mortgage customers or customersusing Swedbank to finance their car purchase.We have insurance products for housing,recreation and cars.
  22. 22. © SwedbankPrivate Banking
  23. 23. © SwedbankTailor-made solutions for private individuals,companies and foundationsContinuous, in-depth requirement reviews enableus to actively create customized solutions thattake changing financial needs into account. Apersonal advisor is the key to all of the bank’sspecialist competence.• Financial planning• Investment advice• Asset management• Individual solutions e.g. other types of investment• Ownership and generation shifts• Branches in 28 areas in Sweden as well as inLuxembourg, Spain and the Baltic states
  24. 24. © SwedbankCorporate
  25. 25. © SwedbankWe make it easier for our customers to own, lead anddevelop their companies• We are the commercial bank for growingcompanies.• We offer comprehensive and attractive bankingservices which we adjust to each company’sparticular requirements.
  26. 26. © SwedbankA strategic partner for companies, large organisationsand the public sector• We help our corporate customers fulfil their business goals – both in theshort and the long term.• A certified business advisor and one’s own customer team create the besttotal solutions for each customer.• The bank’s experts on complex business deals in all areas are alsoon hand.- international trade - company acquisitions and divestments- change of ownership - legal insurance- asset management - cash management- securities and - risk managementcurrency trading - tax repercussions andeffect on key ratios
  27. 27. © SwedbankA comprehensive approach to your company’sbusiness• We offer products, services and advice in areassuch as:- pensions & insurance - financing- risk management - e-services- cash management - asset management- international business - taxation & legal- ownership changes - corporate brokerage- investments - property services
  28. 28. © SwedbankForestry and Agriculture
  29. 29. © SwedbankA longstanding tradition• Good knowledge of the industry together with thebank’s specialist network provide the best servicewithin this area• Over two hundred staff members working withagriculture in the whole country• We provide comprehensive financing on everythingfrom buildings to machines, provide advances onEU subsidies and advice on safe investments• Good insurance solutions increase your security• Simplify running your business with servicesfacilitating payments, accounting and finances– business accounts; bank giro, auto giro,cards, e-accounting, internet bank andtelephone bank
  30. 30. © SwedbankOur employees
  31. 31. © SwedbankSwedbank employees• The most attractive employer in the financialservices sector in Sweden.• Around 14 000 employees in the Nordic region,Baltic states and other parts of the world.• A company culture based on our values –simple, open and caring.• Young Professionals.• 58+
  32. 32. © SwedbankSwedbank is just a step, a click or a ring awayIt should always be easy to get in touch with us,with generous opening hours and a first-classservice level via the internet bank, the telephonebank or face-to-face meetings.Many of our services are available 24 hours aday, 365 days of the year.Call us, log on to the internet bank or visitone of our branches!