Färre hushåll tror på stigande bostadspriser och fler än tidigare tror på fallande priser det kommande året. Det visar SEB:s Boprisindikator för juni. Hushållen tror att reporäntan ligger på en procent om ett år och andelen som planerar att binda räntan är oförändrad sedan förra månaden.
Cirka hälften av hushållen tror på stigande bostadspriser och knappt vart femte hushåll tror på fallande priser. Det visar SEB:s Boprisindikator för september. Hushållen tror att reporäntan ligger på cirka 1,2 procent om ett år och andelen som planerar att binda räntan faller tillbaka för andra månaden i följd.
Nysparandet var under kvartalet 49 miljarder kronor, varav 35 miljarder avsåg banksparande. Negativt sparande i fonder uppgick till 24 miljarder.
Kurserna på stockholmsbörsen minskade med 11,0 procent, vilket påverkade förmögenhetsmassan negativt.
Också bostadspriserna gick ner –med 2,4 procent.
Hushållens upplåning ökade på ett år med 9,8 procent.
SEB hade 14,6% av sparmarknaden, Swedbank15,3%, Skandia 10,1%, Alecta9,7% och Nordea 8,9%
Annika Falkengren, President & CEO of SEB, summarized the bank's annual report for 2012 in the following areas:
1. Business expansion with increased number of clients and credit portfolio in both large corporate and SME segments across Nordics and Germany.
2. Improved customer satisfaction ratings compared to peers for both large corporate and SME segments.
3. Increased operating leverage with higher average quarterly income and lower average quarterly expenses.
4. Strong balance sheet with capital and liquidity ratios exceeding requirements.
This document provides an overview of Sweden's strong economy and SEB Bank. Sweden has a AAA credit rating, low unemployment, and a large budget surplus. SEB is one of the strongest banks in Northern Europe with over 5 million customers globally. It has a diversified income mix and strong capital ratios. SEB issues covered bonds using high quality residential mortgage collateral in Sweden and Germany to access stable long-term funding.
1) The document provides an overview of SEB's strategic priorities and financial performance from 2006-2007. SEB aims for top customer satisfaction, leading return on equity, and sustainable profitable growth.
2) SEB achieved strong profit growth through cost management initiatives and operational excellence programs that increased productivity. Profit increased in all divisions except Merchant Banking.
3) Looking forward, SEB will continue focusing on operational excellence, integration, and investments in core areas to maintain leading performance and customer satisfaction in Northern Europe.
Cirka hälften av hushållen tror på stigande bostadspriser och knappt vart femte hushåll tror på fallande priser. Det visar SEB:s Boprisindikator för september. Hushållen tror att reporäntan ligger på cirka 1,2 procent om ett år och andelen som planerar att binda räntan faller tillbaka för andra månaden i följd.
Nysparandet var under kvartalet 49 miljarder kronor, varav 35 miljarder avsåg banksparande. Negativt sparande i fonder uppgick till 24 miljarder.
Kurserna på stockholmsbörsen minskade med 11,0 procent, vilket påverkade förmögenhetsmassan negativt.
Också bostadspriserna gick ner –med 2,4 procent.
Hushållens upplåning ökade på ett år med 9,8 procent.
SEB hade 14,6% av sparmarknaden, Swedbank15,3%, Skandia 10,1%, Alecta9,7% och Nordea 8,9%
Annika Falkengren, President & CEO of SEB, summarized the bank's annual report for 2012 in the following areas:
1. Business expansion with increased number of clients and credit portfolio in both large corporate and SME segments across Nordics and Germany.
2. Improved customer satisfaction ratings compared to peers for both large corporate and SME segments.
3. Increased operating leverage with higher average quarterly income and lower average quarterly expenses.
4. Strong balance sheet with capital and liquidity ratios exceeding requirements.
This document provides an overview of Sweden's strong economy and SEB Bank. Sweden has a AAA credit rating, low unemployment, and a large budget surplus. SEB is one of the strongest banks in Northern Europe with over 5 million customers globally. It has a diversified income mix and strong capital ratios. SEB issues covered bonds using high quality residential mortgage collateral in Sweden and Germany to access stable long-term funding.
1) The document provides an overview of SEB's strategic priorities and financial performance from 2006-2007. SEB aims for top customer satisfaction, leading return on equity, and sustainable profitable growth.
2) SEB achieved strong profit growth through cost management initiatives and operational excellence programs that increased productivity. Profit increased in all divisions except Merchant Banking.
3) Looking forward, SEB will continue focusing on operational excellence, integration, and investments in core areas to maintain leading performance and customer satisfaction in Northern Europe.
Drygt hälften av hushållen tror på stigande bostadspriser och endast 14 procent av hushållen tror på fallande priser. Hushållen tror att reporäntan ligger på cirka 1,3 procent om ett år och andelen som planerar att binda räntan fortsätter att falla. Det visar SEB:s Boprisindikator, som stiger för fjärde månaden i följd.
SEB sees 25 per cent chance of Riksbank cutSEBgroup
The document summarizes an internal survey by SEB of expectations for the upcoming Riksbank monetary policy decision and market reaction. Key points:
1) 82% of respondents expect the Riksbank to keep rates unchanged, while 18% expect a 25 basis point cut.
2) If rates stay unchanged, the survey expects Swedish bond yields to rise up to 10 basis points and the euro to fall 2-6 figures against the krona.
3) If rates are cut, yields could fall 7-12 basis points and the euro rise 4-7 figures against the krona.
4) On average, respondents expect the repo rate to be 1.27% by
1) This document presents information about SEB, a Nordic-Baltic banking group. It discusses SEB's markets, business areas, strategies for growth, and managing risks in the Baltic countries.
2) SEB has significant operations in the Nordic countries, Baltic countries, and Germany. Its main business areas are merchant banking, retail banking, and wealth management.
3) SEB's strategy is to focus on areas of strength, coordinate its universal banking offering, and achieve sustainable profit growth through productivity and operational excellence initiatives.
At SEB, sustainable development means building a sustainable business as a bank. In the Corporate Sustainability Report 2010 you can read more about what SEB has done and what priorities the bank has for the future. Sustainability is meant to become an integrated part of SEB business, a core competence by 2012. It is a very high ambition.
Svenskarna är mindre nöjda med välfärden jämfört med sina nordiska grannar. Det visar SEB:s nya välfärdsindex som bygger på tolv olika frågor om tilltron till välfärdstjänster och trygghetssystemen.
SEB:s Boprisindikator visar att hushållen är mindre positiva till bostadsmark...SEBgroup
Färre än tidigare tror på stigande bostadspriser och fler tror på fallande priser. Det visar SEB:s Boprisindikator för juni, som faller tillbaka jämfört med förra månaden.
SEB Morgan Stanley Financial Conference April 2009SEBgroup
The document summarizes Jan Erik Back's presentation at the Morgan Stanley European Financials Conference on April 2, 2009.
The presentation discusses SEB's capital measures of SEK 19.5 billion which increases its Tier 1 capital ratio to 12.1% pro forma. It also discusses SEB having a stable and diversified credit portfolio, with 85% located in Nordic countries and Germany. The credit portfolio is well rated, with 58% investment grade excluding households.
SEB provided a business update and summarized key financial details for the first half of 2008. Merchant Banking saw high business activity in trading and capital markets, corporate banking, and global transaction services. While income was up, costs also increased due to investments. Credit losses accelerated in Estonia and Latvia. SEB remains well capitalized with a strong liquidity position. The presentation concluded with an overview of priorities for various business divisions, including expanding the Nordic client base and energy sector coverage.
SEB reported higher business activity and more customers in the first half of 2013. Key highlights included:
1) Increased operating income and profits compared to previous periods due to higher business volumes and more retail customers.
2) Strong asset quality and capital ratios were maintained.
3) The presentation outlined strategies for continued growth in customer base and markets.
SEB Facts And Figures January September 2008SEBgroup
This document provides an overview of key financial information for SEB Group for Q3 and January-September 2008. Some key points:
- Operating profit decreased 46% in Q3 2008 and 36% January-September compared to the same periods in 2007, driven by lower net financial income and higher credit losses.
- Net interest income increased 16% in Q3 2008 supported by higher lending volumes and margins, despite pressure from funding costs and deposit margins.
- Ratings agencies have changed their outlook on SEB to negative in recent months due to the deteriorating economic environment.
- The majority of SEB's operating profit in January-September 2008 came from its Swedish banking operations, with other key contributors
SEB reported strong results in the second quarter of 2012, with continued growth in income and efficiency. Net interest income grew due to increased lending and deposit volumes. Fees also increased due to growth in advisory and fund management services. Cost control led to improved operating leverage. Asset quality remained high, with low credit losses. The balance sheet was further strengthened in the quarter through capital generation and liquidity management. Going forward, SEB expects the economic recovery to proceed slowly, but aims to benefit from its strong franchise and customer-centric strategy.
SEB Research: IMF leads enlarged rescue package for GreeceSEBgroup
SEb's analysts see a large and credible IMF package as the most likely scenario to resolve the Greek debt issue. This is also what is needed to calm markets. Recent comments from EU officials also rules out debt restructuring for Greece. According to SEB's experts a proposal must be presented within coming days to calm financial and political nervousness.
This investor presentation provides an overview of SEB Group's business segments and financial performance. It discusses SEB's market position in various Nordic and Baltic markets, earnings results for Q3 2008, net interest income and fee income trends, asset quality, business activity updates for different divisions, and the group's bond investment portfolio exposures and related financial effects. Overall, it summarizes SEB's resilient underlying business and franchise while also addressing some negative financial impacts from the global financial crisis.
SEB third quarter 2015 results presentationSEBgroup
- SEB reported financial results for the first three quarters of 2015, with operating profit of SEK 16.3 billion, up 5% from the same period in 2014.
- Net interest income declined 4% due to lower lending margins, while net fee and commission income rose 9% driven by higher asset management fees.
- Asset quality remained strong with a low net credit loss level of 0.06% and non-performing loans declining to SEK 8.5 billion.
SEB's second quarter 2015 results presentationSEBgroup
This document contains a press conference presentation by Annika Falkengren, President & CEO of SEB, covering the bank's financial results for January-June 2015. The key points are:
- SEB reported an underlying profit before credit losses of SEK 12.4 billion for the first half of 2015, up 17% from the same period in 2014. Reported profit was SEK 11 billion.
- Net interest income was down 1% to SEK 9.6 billion due to margin pressure, while net fee and commission income rose 48% to SEK 2.8 billion due to higher market volatility and customer activity.
- All business divisions reported higher profits compared to the first half of 2014
SEB's first quarter 2015 results presentationSEBgroup
- SEB reported strong results for the first quarter of 2015, with operating income increasing 5% and operating profit increasing 18% compared to the first quarter of 2014.
- Increased volatility in financial markets drove higher customer demand for risk management products. Net interest income and net fee and commission income both increased compared to the first quarter of 2014.
- SEB continues to execute its strategy of growing its asset gathering franchise, with strong inflows in unit-linked assets under management, private banking assets, and household deposits.
This document summarizes the Q3 2014 results presentation from SEB, a major Nordic and Baltic bank. It highlights that SEB experienced income and operating profit growth in the first three quarters of 2014, with strong asset quality and financial strength. All of SEB's business divisions contributed to improved operating leverage and profit growth. Going forward, SEB aims to continue its disciplined execution and focus on customer relationships amid increased global uncertainty.
SEB reported strong financial results for the first half of 2014, with total operating income increasing 7% compared to the first half of 2013. Net interest income grew 7% driven by higher lending volumes, and net fee and commission income increased 12% from higher asset management fees. The bank continued its customer-driven growth across the Nordic region and Germany. Looking forward, SEB aims to deepen customer relationships, execute its business plan efficiently, and adapt to ongoing regulatory changes.
The annual report summarizes Swedbank's financial performance in 2013. Key highlights include growing operating profit by 27% to 18.1 billion SEK through customer-driven growth, broadening earnings across divisions, and maintaining cost and capital efficiency. Swedbank achieved a return on equity of 13.1% and increased its common equity tier 1 capital ratio to 15%. Looking forward, the bank will continue focusing on long-term customer relationships through relationship banking to deliver competitive and sustainable returns.
Drygt hälften av hushållen tror på stigande bostadspriser och endast 14 procent av hushållen tror på fallande priser. Hushållen tror att reporäntan ligger på cirka 1,3 procent om ett år och andelen som planerar att binda räntan fortsätter att falla. Det visar SEB:s Boprisindikator, som stiger för fjärde månaden i följd.
SEB sees 25 per cent chance of Riksbank cutSEBgroup
The document summarizes an internal survey by SEB of expectations for the upcoming Riksbank monetary policy decision and market reaction. Key points:
1) 82% of respondents expect the Riksbank to keep rates unchanged, while 18% expect a 25 basis point cut.
2) If rates stay unchanged, the survey expects Swedish bond yields to rise up to 10 basis points and the euro to fall 2-6 figures against the krona.
3) If rates are cut, yields could fall 7-12 basis points and the euro rise 4-7 figures against the krona.
4) On average, respondents expect the repo rate to be 1.27% by
1) This document presents information about SEB, a Nordic-Baltic banking group. It discusses SEB's markets, business areas, strategies for growth, and managing risks in the Baltic countries.
2) SEB has significant operations in the Nordic countries, Baltic countries, and Germany. Its main business areas are merchant banking, retail banking, and wealth management.
3) SEB's strategy is to focus on areas of strength, coordinate its universal banking offering, and achieve sustainable profit growth through productivity and operational excellence initiatives.
At SEB, sustainable development means building a sustainable business as a bank. In the Corporate Sustainability Report 2010 you can read more about what SEB has done and what priorities the bank has for the future. Sustainability is meant to become an integrated part of SEB business, a core competence by 2012. It is a very high ambition.
Svenskarna är mindre nöjda med välfärden jämfört med sina nordiska grannar. Det visar SEB:s nya välfärdsindex som bygger på tolv olika frågor om tilltron till välfärdstjänster och trygghetssystemen.
SEB:s Boprisindikator visar att hushållen är mindre positiva till bostadsmark...SEBgroup
Färre än tidigare tror på stigande bostadspriser och fler tror på fallande priser. Det visar SEB:s Boprisindikator för juni, som faller tillbaka jämfört med förra månaden.
SEB Morgan Stanley Financial Conference April 2009SEBgroup
The document summarizes Jan Erik Back's presentation at the Morgan Stanley European Financials Conference on April 2, 2009.
The presentation discusses SEB's capital measures of SEK 19.5 billion which increases its Tier 1 capital ratio to 12.1% pro forma. It also discusses SEB having a stable and diversified credit portfolio, with 85% located in Nordic countries and Germany. The credit portfolio is well rated, with 58% investment grade excluding households.
SEB provided a business update and summarized key financial details for the first half of 2008. Merchant Banking saw high business activity in trading and capital markets, corporate banking, and global transaction services. While income was up, costs also increased due to investments. Credit losses accelerated in Estonia and Latvia. SEB remains well capitalized with a strong liquidity position. The presentation concluded with an overview of priorities for various business divisions, including expanding the Nordic client base and energy sector coverage.
SEB reported higher business activity and more customers in the first half of 2013. Key highlights included:
1) Increased operating income and profits compared to previous periods due to higher business volumes and more retail customers.
2) Strong asset quality and capital ratios were maintained.
3) The presentation outlined strategies for continued growth in customer base and markets.
SEB Facts And Figures January September 2008SEBgroup
This document provides an overview of key financial information for SEB Group for Q3 and January-September 2008. Some key points:
- Operating profit decreased 46% in Q3 2008 and 36% January-September compared to the same periods in 2007, driven by lower net financial income and higher credit losses.
- Net interest income increased 16% in Q3 2008 supported by higher lending volumes and margins, despite pressure from funding costs and deposit margins.
- Ratings agencies have changed their outlook on SEB to negative in recent months due to the deteriorating economic environment.
- The majority of SEB's operating profit in January-September 2008 came from its Swedish banking operations, with other key contributors
SEB reported strong results in the second quarter of 2012, with continued growth in income and efficiency. Net interest income grew due to increased lending and deposit volumes. Fees also increased due to growth in advisory and fund management services. Cost control led to improved operating leverage. Asset quality remained high, with low credit losses. The balance sheet was further strengthened in the quarter through capital generation and liquidity management. Going forward, SEB expects the economic recovery to proceed slowly, but aims to benefit from its strong franchise and customer-centric strategy.
SEB Research: IMF leads enlarged rescue package for GreeceSEBgroup
SEb's analysts see a large and credible IMF package as the most likely scenario to resolve the Greek debt issue. This is also what is needed to calm markets. Recent comments from EU officials also rules out debt restructuring for Greece. According to SEB's experts a proposal must be presented within coming days to calm financial and political nervousness.
This investor presentation provides an overview of SEB Group's business segments and financial performance. It discusses SEB's market position in various Nordic and Baltic markets, earnings results for Q3 2008, net interest income and fee income trends, asset quality, business activity updates for different divisions, and the group's bond investment portfolio exposures and related financial effects. Overall, it summarizes SEB's resilient underlying business and franchise while also addressing some negative financial impacts from the global financial crisis.
SEB third quarter 2015 results presentationSEBgroup
- SEB reported financial results for the first three quarters of 2015, with operating profit of SEK 16.3 billion, up 5% from the same period in 2014.
- Net interest income declined 4% due to lower lending margins, while net fee and commission income rose 9% driven by higher asset management fees.
- Asset quality remained strong with a low net credit loss level of 0.06% and non-performing loans declining to SEK 8.5 billion.
SEB's second quarter 2015 results presentationSEBgroup
This document contains a press conference presentation by Annika Falkengren, President & CEO of SEB, covering the bank's financial results for January-June 2015. The key points are:
- SEB reported an underlying profit before credit losses of SEK 12.4 billion for the first half of 2015, up 17% from the same period in 2014. Reported profit was SEK 11 billion.
- Net interest income was down 1% to SEK 9.6 billion due to margin pressure, while net fee and commission income rose 48% to SEK 2.8 billion due to higher market volatility and customer activity.
- All business divisions reported higher profits compared to the first half of 2014
SEB's first quarter 2015 results presentationSEBgroup
- SEB reported strong results for the first quarter of 2015, with operating income increasing 5% and operating profit increasing 18% compared to the first quarter of 2014.
- Increased volatility in financial markets drove higher customer demand for risk management products. Net interest income and net fee and commission income both increased compared to the first quarter of 2014.
- SEB continues to execute its strategy of growing its asset gathering franchise, with strong inflows in unit-linked assets under management, private banking assets, and household deposits.
This document summarizes the Q3 2014 results presentation from SEB, a major Nordic and Baltic bank. It highlights that SEB experienced income and operating profit growth in the first three quarters of 2014, with strong asset quality and financial strength. All of SEB's business divisions contributed to improved operating leverage and profit growth. Going forward, SEB aims to continue its disciplined execution and focus on customer relationships amid increased global uncertainty.
SEB reported strong financial results for the first half of 2014, with total operating income increasing 7% compared to the first half of 2013. Net interest income grew 7% driven by higher lending volumes, and net fee and commission income increased 12% from higher asset management fees. The bank continued its customer-driven growth across the Nordic region and Germany. Looking forward, SEB aims to deepen customer relationships, execute its business plan efficiently, and adapt to ongoing regulatory changes.
The annual report summarizes Swedbank's financial performance in 2013. Key highlights include growing operating profit by 27% to 18.1 billion SEK through customer-driven growth, broadening earnings across divisions, and maintaining cost and capital efficiency. Swedbank achieved a return on equity of 13.1% and increased its common equity tier 1 capital ratio to 15%. Looking forward, the bank will continue focusing on long-term customer relationships through relationship banking to deliver competitive and sustainable returns.
SEB reported improved third quarter 2013 results with increased operating leverage and profit. Key points include:
1) Operating profit increased 21% in Q3 and 15% year-to-date on higher net interest income and fees despite renewed regulatory uncertainty.
2) Business sentiment surveys show improved conditions in Sweden while operating expenses declined and pre-provision profits grew.
3) Divisional performance was strong across Retail, Wealth, Baltic, and Merchant Banking units though regulatory issues continue to impact the financial sector.
SEB's third quarter 2012 results presentationSEBgroup
The document summarizes SEB's financial results for the third quarter of 2012. It highlights a robust result in a defensive market environment, more customers and higher customer satisfaction, and resilience in capital, liquidity and costs. Key figures presented include operating income of SEK 9.7 billion, pre-provision operating profit of SEK 4.1 billion, and net interest income growth. SEB is focusing investments on strengthening its corporate franchise in the Nordics and Germany, expanding its SME platform in Sweden, and developing long-term savings offerings.
EU to save banks but abandon state if Greece rejects austeritySEBgroup
The EU will save its banks but abandon the state if Greece rejects austerity in the upcoming vote on 17 June, SEB’s chief strategist Johan Javeus projects in a presentation where he outlines what might lie ahead for the recession-hit country. Recent opinion polls suggest the country will get a pro-austerity government, but the final outcome is far from certain and since Greek law does not allow more polls until the election, Europe will be flying blind for a couple of weeks.
Economic growth has led to lower employment and combined with earnings from abroad and remittances this has added a significant amount of funds to households’ disposable income in all three Baltic countries, SEB’s latest Baltic Household Outlook shows.
SEB's third quarter 2011 results presentationSEBgroup
- SEB reported higher operating income and profit for Q3 2011 compared to previous quarters, though profit was down 13% from Q2 2011.
- The bank maintained a strong capital position and liquidity reserve sufficient to cover maturing debt over the next two years.
- Net interest income was stable compared to previous quarters, with growth in lending and deposits offsetting lower non-customer income. Fees and commissions were also stable.
SEB second quarter 2011 results presentationSEBgroup
- The document is a presentation of Swedbank's Q2 2011 results.
- Key highlights include an operating profit of SEK 4.3 billion and continued growth in credit volume of SEK 91 billion.
- Net interest income grew year-over-year however fees and commissions declined slightly.
- Credit losses remained low across the Baltics and elsewhere in Europe.
SEB-report: EU financial transactions tax unlikely to passSEBgroup
The European Commission will propose a Tobin tax on financial transactions this autumn with the aim of introducing it by 2018. The tax is intended to raise revenue, reduce market volatility, and discourage risky behavior by financial institutions. However, previous attempts to implement financial transaction taxes have raised less revenue than expected and had unclear effects on volatility. Actual implementation of an EU-wide Tobin tax is unlikely due to opposition from Sweden and the UK. A stability levy on balance sheet positions may be easier to implement.
In this edition of Fixed Income Insights, SEB's experts take a closer look at recent developments in the eurozone debt issue and conclude that the political system will continue to ensure a crisis is avoided. Market implications include continued upward pressure in intra-EMU spreads up until the EU summit in June, further macroeconomic concerns, volatility and lower risk appetite. With an acute crisis averted, the experts believe the ECB will continue to raise rates gradually, delivering its next hike in July followed by another in the fall.
The dollar has come under pressure as the Federal Reserve remains on hold for an extended period. SEB’s strategists say in the latest issue of Currency Strategy that it is likely that the dollar continues to remain weak. They do however note that we are closer to see the dollar finding some traction versus other G10 currencies. The bank’s experts forecast a slow grind lower in the euro/Swedish krona echange rate.
The document summarizes Swedish household savings data for the fourth quarter of 2010. Key points include:
- Total household savings increased by 49 billion Swedish kronor in Q4 2010, with 30 billion allocated to premium pensions and 36 billion saved in bank deposits.
- Stock prices on the Stockholm exchange increased by 7.4% while housing prices decreased by 0.3%.
- Household borrowing increased by 1.5% in Q4 2010 and 7.4% over the past 12 months.
- The largest providers of household savings were Swedbank with a 14.4% market share, SEB with 12.2%, and Alecta with 9.8%.
1. Prisutveckling på villor och bostadsrätter det närmaste året
80 %
71 69 68 70
68 67 66 64
65 62 63 62 65 62
57 55 56
60
56 57 60
54 54 52 55 53 52
55 55 53 50 53 52 50
47 47 48 47
39 41 40 40
35 35 36 36 36 37 35
34 33 32 33
27 27
31
27 28 29 32 29
31
28 30 29
27
22 24 22
20 19 19 21 19 21 21 19
20 20 21 21 19 20
20
18 18 18 18
15 14
13 13 13 15 17 14 15 16 17
13 14
16 16 15 15
11 12 13 12 13 13
9 11 9 10
7 9
10 9 10 8
4 5 5 5 6 6 4 6 6 5 7 7 4
7
4
7
4 4 4 5 5 6 6 6 4
0
-7
li
li
t
t
t
n
n
n
t
t
li
li
li
n
n
n
t
t
li
li
ni
ril
n
ril
Ju l
ril
Ok
Ok
Ok
Ok
Ok
Ok
Ok
ril
ril
ril
ril
ri
Ju
Ju
Ju
Ju
Ju
Ju
Ju
Ja
Ja
Ja
Ja
Ja
Ja
Ja
Ap
Ap
Ap
Ap
Ap
Ap
Ap
Ap
-20
Öka
Minska
Oförändrat -39 -40
Vet ej -49
Boindikatorn
-60
-80
2003 2004 2005 2006 2007 2008 2009 2010
Juni 2010 1
2. Prisutveckling på villor och bostadsrätter det närmaste året
80 %
73
72 72 73 71
73 73
73 73
69 71
69 68 68 70 69 68 67
68 70
65 64 62 64 63 62
63 63 65 66 63 62
66 64
66
62 62
66 65
6563
66
62
60
58 58 58 59 57
60 59 58 57 57 58 60
59 60
56
60
60
56 57 57 60
54 55
54 52 54 55 53 52 5 55 55 55 53
54 4 53
52 50 52 54 55 53 54 54
53 52 50
51 49 50 49 49 47
47 45 47 47 48 47 46
42 43 41 43 41 41 42 43 44 42 42 44 42
41 41 41 40 41 40
41 40
40 39 40 38
39 38
35 37
35 37 36 37 36 36 37 35
36
34 33 32 33 31 33 33 31 3234
31 32 30 32
30 32 31 29 30 29
31
30 30
27 29
27 27 26 27 28 25 27
27 28 27 27 28 29 25
27 2927
22
25 24
22 24 22 26 25
22 20
22 20 24 22 26 25
23 22
22 24 26
20 19 17 19 18 21 21
21 21 21 21 19 21 21 21 21 20
19 18
19 18 18 17 16
18 17 20
18 19 16 17
19 17
15 15 17 14 13 15 13 13 15 16 14 14 15 13 13 15 13 15 7 16 13 17
16 15 15 1 20 18
15 13 16
16
19
18 18
16 18 19 20
19 17 20 20
16 16 15 15
1413 14 11 12
14 13 14 13 12 14 14 14 13 13 13 3
1 14 13
11 11 11 11 10 9 9 9 10 10
10 10 12 12 10 11
11
11 12 12 10
10 12
11
7 9 9 7 7 5 7 6 7 7 6 9 9 5 5 5 5 8 5 6 6 5 6 5 6 6 6 66 5 7 5 5 7 7 6 9 5 8 5 7 7 8 8 66 7 8 5
6 7 6 7 8
4 4 4 3 4 4 4 2 4 44 4 4 44 4 4 3 3 44 6 5 5 6 5 6 5 5 6 6 4 6 4
-1 -2 0
-5 -7
ar b
Aarsb
ar b
MFeb
Aarsb
Aarsb
Aarsb
De v
De v
De v
De v
De v
Seugi
Seugi
De v
Ju aj
Not
JMalj
Not
Ju alj
Not
Not
JMalj
Not
Ju aj
Seug
Seug
Seug
De v
MFen
MFen
MFen
Not
A ulii
A ulii
n
n
n
JMaj
Ju aj
Not
JMaj
Seugi
Auli
Seugi
Ji
Ji
Auli
ni
n
A ul
A uil
Okt
Okt
Okt
Ji
Ok
Ok
Ok
Ok
pt
pt
pt
pt
Jac
Jac
Jac
Jac
Jac
Jac
Aul
-11
-11
Mil
il
Aps
Mil
Aps
ril
Mil
Jn
un
Jn
un
un
Mri
i
c
Aars
MFe
MFe
ri
un
Jn
MFe
p
p
p
pr
Ja
r
pr
pr
pr
p
Ap
J
-15
-23 -20
Öka
Minska -39 -40
Oförändrat
-49
Vet ej -52
Boindikatorn -62 -60
-80
2003 2004 2005 2006 2007 2008 2009 2010
Juni 2010 2
3. Typ av lån på sin bostad
Fast ränta 50 %
Rörlig ränta
Kombination av fast och rörlig
Har inga lån
40
38 Vet ej
37
36 36
35
34
33 33 33 33 33
32 32 32 32 32
31 31 31 31 31 31
29 30
30 30 30 30 30
29 29 29 29
29 29 29 29 29 29
28 28 28 28 28 28 28 28 28
27 27
27 27 27 27 27 27 27 27
27
26 26 26 26
25 25
25 25 25 25 25 25 25
24 24 24
24 24
23 23 22 22 22 22 22 23
21 21 21 21 21
19
20 20 20
19 20
20
18 18 18
17 17 17 17
16 16 16 16 16 16 16
15 15 15 15 15
14 14 14 14 14
13 13
12 12 12
11 11
10 10
6 6
5 5 5 5 5 5
4 4 4 4 4 4 4 4 4 4 4 4
3 3 3
2 2 2 2 2 2 2
0
kt
t
t
t
t
t
t
li
li
n
n
li
li
li
li
n
n
n
n
li
ni
n
ril
ril
ril
ril
ril
ril
ril
Ok
Ok
Ok
Ok
Ok
Ok
ril
Ju
Ju
Ju
Ju
Ju
Ju
Ju
Ja
Ja
Ja
Ja
Ja
Ja
Ja
O
Ju
Ap
Ap
Ap
Ap
Ap
Ap
Ap
Ap
2003 2004 2005 2006 2007 2008 2009 2010
Juni 2010 3
4. Typ av lån på sin bostad
Fast ränta 50 %
Rörlig ränta
Kombination av fast och rörlig
Har inga lån
40
38 Vet ej
37 37 37
36 36 36 36
35 35 3535 35 35
34 34 34 34
33 32 33 32 32 33 33
33 33 32 33 32
32 32 32 32 33 32 33
32 32 3233 32
31
31 31 3131 31 31
31 31 31 31 31 31 31 31 31 31 31 31 31
29 29 30
30 30 30 30
30 30 30 30 30 30 30 30
30 30
29 29 29 29
29 29 29 29 29 29 29 29 29 29 29
29 29 29 29 29
29 29 29 29 29
29 29 29 29
28
28 28 28 28
28 28 28 28 28 28 28 28
28
27 27 27
27 27 27 27 27 27 27 27 27 27 27 27 27 27 27 27
27 27 27
27
26 26 26
26 26 26 26 26 26 26 26 26 2626
25 25 25 25 24 24 24 25 25 25
24 24 25 25 25
24 25 24 24 25 24
24 24 24 24 24 25
24
23 23 23 23 23 23 23 23
22 22 22 22 22 22 22 22 22
22 22
22 22 22 22 22 22
22 22 22
22
21 21 21 21 21 21 2121 2121 21 2121 21
20
19 19
20 20 20 20
19 1919 19
20
19 19 19
19 20
20
18 18 18 18
18 18
17 17 17
17 17 17 17 17 17 17 17 17
16
16 16 16 16 16 1616 16 16 16 16 16 16 16 16 16
16
15 14 14 15 14 15
15 15 15 14 14
14 15 15 14 15 15 14
14 15 14 15 14 15 15
14 14 15 1415 14
13 13 13 13 13 13
13 13 13 13 13
12 12
12 12 12
11
11 11
10 10
6 66 6
5 5 5 5 5 5 5 5 5 5 5 5 5 5 5 5
44 4 44 4 4 44 44 4 44 4444 4 4 4 4 4 44 4
33 3 3 33 3 3 3 3 33 3 3 33 33 33 33 3
2 2 2 2 2 222 2 22 2 2 2 2 2 22
0
Apsb
Apsb
Aarsb
Apsb
Apsb
Apsb
Apsb
Seug
De v
De v
De v
De v
De v
De v
De v
Seugi
No t
Aulii
No t
No t
Aulii
Aulii
Aulii
Aulii
Aulii
Seug
Se g
Se g
Se g
Seug
Juaj
Juaj
Juaj
Juaj
Juaj
Juaj
JMalj
J i
i
Maen
Maen
Ma en
Ma en
MFen
Ma en
Ma en
JMalj
Not
Not
Not
Not
Mril
Mril
Mril
Opt
Jac
Jac
Jac
Jac
Jac
Mril
Mril
Mril
Opt
Opt
Aul
Jn
n
n
n
Jn
Jac
Jac
un
Jn
un
k
k
k
pt
pt
pt
Ot
ri
k
Ok
Ok
Ok
ri
Ju
Ju
Ju
p
r
r
r
r
r
r
Ap
p
F
F
F
F
F
F
2006 2007 2008 2009 2010
2003 2004 2005
Juni 2010 4
5. Andel av de som har rörlig ränta som tror de kommer att
binda räntorna inom tre månader
50 %
Tror sig binda räntorna inom tre
månader
40
30
19
20
17
16
13
12 12 12 12 12
11
11
10 10 10 10 10
9
8 8 8
7 7 7 7
6 6 6 6 6
5 5 5
4 4 4
0
kt
kt
ni
n
n
n
n
n
n
n
t
t
t
t
t
li
li
li
li
li
li
li
ril
ril
ril
ril
ril
ril
ril
Ju l
Ok
Ok
Ok
Ok
Ok
ri
Ju
Ju
Ju
Ju
Ju
Ju
Ju
Ja
Ja
Ja
Ja
Ja
Ja
Ja
O
O
Ap
Ap
Ap
Ap
Ap
Ap
Ap
Ap
2003 2004 2005 2006 2007 2008 2009 2010
Juni 2010 5
6. Ap
Mril
Juaj
Jn
Aulii
17
Juni 2010
Seug
99
Okpt
Not
16
2003
De v
11
Jac
1
10 0
MFen
Aarsb
pr
6 6
i
7 7
JMalj
un
9
J
Aulii
12
Seug
11
Opt
13
k
2004
No t
6
De v
Jac
F
10 10
7 7
Ma en
r
8
Apsb
Mril
12
Juaj
5
Ju n
7
Aulii
6 6
Se g
9
Opt
k
2005
13
No t
De v
10
Jac
9
Fn
Ma e
r
11 11
Apsb
månader
17
Mril
Juaj 19
10
Ju n
8
Aulii
Se g
5
Okpt
6 6 6
Not
2006
De v
10
6
Jac 11
MFen
Aarsb 88
pr
i 7
12
JMalj
un
J
Aulii
Seug
10 10
Opt
66 6 6
Notk
8
De v
2007
Tror sig binda räntorna inom tre
Jac
10
F
55
Ma en
r
6
Apsb
Mril
Juaj
Jn
Aulii
Seug
44 4 44 4
Opt
8
k
No t
De v
2008
Jac
6
Fn
55 5
Ma e
binda räntorna inom tre månader
r
3
Apsb
7
Mril
Juaj
Jn
Auli
12
9 9
Seugi
pt
11 11
Ok
4
Not
8
De v
2009
Jac
55
F
7
Ma en
r
6
Apsb
5
Mril
7
Juaj
ni
12
Andel av de som har rörlig ränta som tror de kommer att
11
2010
11
0
10 10
20
30
40
50 %