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.
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.
TNS Sifos Anseendeindex Företag 2013 visar stabila indexvärden för de flesta företag och branscher. Tidigare års kraftiga tapp inom energi- och banksektorn har avstannat, men några stora svenska internationella symbolföretag tappar i anseende på hemmaplan: Scania, Volvo PV, IKEA och H&M.
Det positiva sambandet mellan kännedom och höga värden består, ju bättre kännedom desto bättre anseende.
This document provides an overview of Skandinaviska Enskilda Banken AB (SEB) for the first quarter of 2009. Key points include:
- Operating income was SEK 11.4 billion, down 10% from Q4 2008 and up 30% from Q1 2008.
- Net profit was SEK 1.027 billion, down 71% from Q4 2008 and down 44% from Q1 2008.
- Total assets under management were SEK 1,201 billion as of year-end 2008, with inflows of SEK 46 billion and outflows of SEK 37 billion in Q1 2009.
The document provides an executive summary and highlights for Q1 2009 from SEB's CFO Jan Erik Back. Key points include:
- Operating profit was SEK 4.8 billion before provisions despite doubling collective provisions in Baltic countries.
- Net interest income increased 40% due to falling interest rates. Costs remained stable through cost management programs.
- Merchant Banking strengthened its position in the Nordic markets and supported rising client exports.
- Provisions were increased conservatively, especially in Baltic countries, with impaired loans at 2.9% of exposure.
- A successful rights issue added SEK 15 billion in new capital, strengthening the capital position.
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 Executive Summary January September 2008SEBgroup
This document provides a summary of SEB's performance from January to September 2008. It highlights the challenging market conditions but notes SEB's resilient underlying business. Key figures show a decline in operating profit and net profit compared to previous periods. The summary also discusses SEB's strong capital and liquidity positions, continued growth in lending and deposits, and efforts to manage costs.
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.
TNS Sifos Anseendeindex Företag 2013 visar stabila indexvärden för de flesta företag och branscher. Tidigare års kraftiga tapp inom energi- och banksektorn har avstannat, men några stora svenska internationella symbolföretag tappar i anseende på hemmaplan: Scania, Volvo PV, IKEA och H&M.
Det positiva sambandet mellan kännedom och höga värden består, ju bättre kännedom desto bättre anseende.
This document provides an overview of Skandinaviska Enskilda Banken AB (SEB) for the first quarter of 2009. Key points include:
- Operating income was SEK 11.4 billion, down 10% from Q4 2008 and up 30% from Q1 2008.
- Net profit was SEK 1.027 billion, down 71% from Q4 2008 and down 44% from Q1 2008.
- Total assets under management were SEK 1,201 billion as of year-end 2008, with inflows of SEK 46 billion and outflows of SEK 37 billion in Q1 2009.
The document provides an executive summary and highlights for Q1 2009 from SEB's CFO Jan Erik Back. Key points include:
- Operating profit was SEK 4.8 billion before provisions despite doubling collective provisions in Baltic countries.
- Net interest income increased 40% due to falling interest rates. Costs remained stable through cost management programs.
- Merchant Banking strengthened its position in the Nordic markets and supported rising client exports.
- Provisions were increased conservatively, especially in Baltic countries, with impaired loans at 2.9% of exposure.
- A successful rights issue added SEK 15 billion in new capital, strengthening the capital position.
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 Executive Summary January September 2008SEBgroup
This document provides a summary of SEB's performance from January to September 2008. It highlights the challenging market conditions but notes SEB's resilient underlying business. Key figures show a decline in operating profit and net profit compared to previous periods. The summary also discusses SEB's strong capital and liquidity positions, continued growth in lending and deposits, and efforts to manage costs.
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.
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 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.
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.
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.
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.
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 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
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 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.
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 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.
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.
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.
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.
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 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
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.
2. Prisutveckling på villor och bostadsrätter det
närmaste året
80 %
71 69 70
68 68 67 66
65 63 62 64 65
62 62
57 56
60
56 57 60
54 54 55 55 55 55
52 53 52 53 53 52
50 48 50 49 49
47 47
41 40
36
39
36 36 37 40
34 35 35 33 33 35
31 32 31 32 30 31
27 27 27 28 29 29 28 28
24 25 24
21 22 21 21 21 21 22 21
20 19
18 19 18 18 17 19
16 17
20 19
16
20
16 18 19 20
18
15 14 15 14 15 14 15 15
11 13 13 13 12 13 12 13 13 13
9 11 9
7
10
9 10
7 9
7
10
7 8 7 9
4 5 5 5 6 6 4 6 6 5 4 4 4 4 4 5 5 6 6 6 5
0
-7
li
li
li
li
li
li
li
Se li
il
kt
il
kt
il
kt
il
kt
il
kt
il
kt
il
kt
il
n
n
n
n
n
n
n
pt
Ju
Ju
Ju
Ju
Ju
Ju
Ju
Ju
pr
pr
pr
pr
pr
pr
pr
pr
Ja
Ja
Ja
Ja
Ja
Ja
Ja
O
O
O
O
O
O
O
A
A
A
A
A
A
A
A
Öka -20
Minska
Oförändrat -39
-40
Vet ej -49
Boindikatorn
-60
-80
2003 2004 2005 2006 2007 2008 2009 2010
Sept 2010
2
3. 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 65 66 63 66 64
66 66 65
65 66
62 64 63 62
63 63 62 62 62 63 62
60
58 58 58 59
57
60 59
58 57 57 5859 60 60 60
60
57 57 60
54 55
54 52 54 55 54 55 55 55 53
54 5456 56 55 53 54 54
51 53 52 53
52 50 52 53 52 50
49 50 49 49 49
49 47 48
47 45 47 47 48 47 46
43 43 43 44 44
42 41 41 41 42 42 42 41 41 42
41 40 41 40 41
40
37 39
37 36
40 38
3937 36 3638 37
36
40
34 35 35 33 32 33 31 32 30 32 33
32 33 31 32 34 35
31 30 31 29 30 29
31
30 30 29 3031
27 29
2527 27 26 27 26 25 28 26
27 28 25 27 27 25 27 28 29 25 28
27 27 27
26 25 24
22 24 24 24 22 23 22 24
20 19 21 21
21 21 21 22
20 21 18 22 20 22
22 20 21 21 21 21 22 21
20 20 18 20
16
19 19
19 18 17 18
17 18 17
18 18 16 16 18 19 16 17 16 20 17 19 16 16
19 17 17 19
18 1816 18 19 20
19 17
16 16 15 15 18
15 15 14 14 14 15 13 13 15
13 13 11 12 15
14 13 14 12 15 13 13 15 13 15
14 13 15
14 12 14 14 15
13 12 12 13 14 13 13 1313 14 13
11 11 11 11 10 9 9 9 10 10
10 10 11
10 12
11 11 12
11
9 9 99 9 10 10 9
7 7 75 76 77 6 65 55 5 8 5 6 65 6 5 6 6 6 66 57 55 77 6 75 8 5 7 7 8 66 67 8 5 8 7 8 7
4 4 4 3 4 4 4 2 4 44 4 4 44 4 4 3 34 46 55 65 6 5 56 6 46 4 5
-1 -2 0
-5 -7
Se gli
AJ ulii
Se gli
Se gli
Se gli
Se gli
AJ ulii
Se g i
JMalj
AJ u i
b
J ua j
b
JMalj
Ju i
b
J ualj
AJ u i
b
J ualj
AJ u i
b
JMalj
Ju i
b
J ua j
b
J ua j
AJ uli
Op t
Noktt
Noktt
Noktt
Nokt
Nokt
Noktt
pt
Devt
Devt
Devt
MF en
Mri l
MF en
MF en
MF en
MF en
MF en
Mri l
MF en
Mri l
Jac
D ev
Jac
D ev
Jac
D ev
Jac
Jac
Jac
D ev
Jac
Aars
Aars
Aars
Aars
Aars
Aars
Aars
un
n
un
n
n
un
n
n
Se g
Se g
Nok
ri
i
Mi
Mi
i
Op
Op
Op
Op
Op
Op
pr
pr
pr
pr
-11
-11
u
u
Au
u
u
Au
u
u
Ap
p
p
p
-15
-23 -20
Öka
Minska -39 -40
Oförändrat
-49
Vet ej -52
Boindikatorn -62 -60
-80
2003 2004 2005 2006 2007 2008 2009 2010
Sept 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
36 36
35 35
34
33 33 33 33 33
32 32 32 32
31 31 31 31 31 31
30
29 29
30
29 29
29 29
30 30
29 29
30
29 30
29
28 28 28 28 28 28 28 28 28
27 27
27 27 27 27 27 27 27 27
26 26 26 26 26 26
25 25
25 25 25 25 25 25 25
24 24 24
24 24 24
23 23 23 23
22 22 22 22 22
21 21 21 21 21
19
20 20 20
19 20
18 18 18
17 17 17 17
16 16 16 16 16 16 16
15 15 15 15 15 15
14 14 14 14 14
13 13
12 12
11 11
10 10
6 6 6 6
5 5 5 5 5
4 4 4 4 4 4 4 4 4 4 4
3 3 3
2 2 2 2 2 2 2
0
li
li
li
li
li
li
li
Se li
il
kt
il
kt
il
kt
il
kt
il
kt
il
kt
il
kt
il
n
n
n
n
n
n
n
pt
Ju
Ju
Ju
Ju
Ju
Ju
Ju
Ju
pr
pr
pr
pr
pr
pr
pr
pr
Ja
Ja
Ja
Ja
Ja
Ja
Ja
O
O
O
O
O
O
O
A
A
A
A
A
A
A
A
2003 2004 2005 2006 2007 2008 2009 2010
Sept 2010
4
5. 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 35
34 34 34 34
33 33 33 33 33 33 33 33 33 33
32 32 32 32 32
32 32 32 32 32 32 32 32 32
31
31 31 3131 31 31
31 31 31 31 31 31 31 31 31 31 31 31 31 31
30
29 29
30 30
29 29
30
30
29 29
30 30 30 30 30
29 29 29 29 29 29 29 29 29
29 29 29
30 30
30
29 29
29 29
30
29 29 29
29 29 29 29 2929 29 30
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 26 26
26
25 25 25 25 25 25 25 25 25 25
25 25 25
24 24 24 24 24
24 24 24 24 24 24 24 24 24 24 24
23 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 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 15
15 15 15 15 15 15 15 15 15 15 15 15
15 15 15
14 14 14 14 14
14 14
14 14 14 14 14 14 14 14 14
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 6 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 4 44 4 44 4 4 4 44 4 4
33 3 3 33 3 3 3 3 33 3 3 33 33 33 33 3
2 2 2 2 2 2 22 2 22 2 2 2 2 2 22
0
Se gli
Se gli
AJ ulii
Se g i
AJ ulii
Se gli
AJ ulii
Se gli
AJ u i
AJ u i
AJ uli
AJ u i
AJ u i
b
b
b
b
b
b
b
J ualj
J ualj
J uaj
J uaj
J uaj
J ualj
J uaj
J ualj
Noktt
Noktt
Noktt
Noktt
Noktt
Noktt
Noktt
pt
Mri l
Mri l
il
Mri l
MF en
MF en
MF en
MF en
MF en
MF en
MF en
D ev
Jac
D ev
Jac
D ev
Jac
D ev
Jac
D ev
Jac
D ev
Jac
D ev
Jac
Aars
Aars
Aars
Aars
Aars
Aars
Aars
n
n
n
n
n
n
n
n
ug
ug
Se g
Mri
Mi
Mi
Mi
Op
Op
Op
Op
Op
Op
Op
pr
pr
pr
pr
M
u
u
u
u
u
u
Ap
p
Se
p
Se
p
2003 2004 2005 2006 2007 2008 2009 2010
Sept 2010
5
6. 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 17
16
13
12 12 12 12 12
11
10 10 10
9
10 10
8 8 8
7 7 7 7
6 6 6 6 6
5 5 5
4 4 4
0
li
li
li
li
li
li
li
Se li
il
kt
il
kt
il
kt
il
kt
il
kt
il
kt
il
kt
il
n
n
n
n
n
n
n
pt
Ju
Ju
Ju
Ju
Ju
Ju
Ju
Ju
pr
pr
pr
pr
pr
pr
pr
pr
Ja
Ja
Ja
Ja
Ja
Ja
Ja
O
O
O
O
O
O
O
A
A
A
A
A
A
A
A
2003 2004 2005 2006 2007 2008 2009 2010
Sept 2010
6
7. Ap
ri
JMalj
un
Sept 2010
AJ u i
17
u
Se gli
99
Op t
16
Nokt
11
D ev
2003
10
Jac
10
MFen
Aars b
p
6 6
Mri l
7 7
9
J ua j
n
12
AJ uli
u
11
Se g i
Op
13
10
6
Nokt
2004
Devt
Jac
10
7 7
MFen
b
8
Aars
p
12
Mri l
6
5
J uaj
n
7
6
u
AJ ulii
Se g
9
Op
2005
13
Noktt
10
D ev
9
Jac
MFen b
11 11
Aars
pr 17
19
il
månader
10
JMaj
un
8
AJ u i
u
Se gli
5
Op
6 6 6
2006
Noktt 10
D ev
11
Jac
7
88
MFen
b
7
Aars
p
12
Mri l
10
J ua j
n
AJ uli
u
10
Se g i
2007
Op
66 66
8
Nokt
Devt
10
Jac
Tror sig binda räntorna inom tre
55
MFen
b
6
Aars
p
Mri l
J uaj
n
u
AJ ulii
Se g
444 44 4
2008
Op
8
Noktt
D ev
6
Jac
55 5
MFen b
3
Aars
p
7
Mri l
9
J ua j
n
12
AJ uli
u
9
Se g i
2009
Op
11 11
4
8
Noktt
D ev
55
Jac
7
MFen
b
6
Aars
p
5
Mri l
7
J ua j
n
12
10
AJ uli
u
11
Se g i
Andel av de som har rörlig ränta som tror de
11
pt
kommer att binda räntorna inom tre månader
17
2010
14
11
0
10
20
30
40
50 %
8. Genomsnittet av hushållens tro om reporäntans nivå
om ett år
4,91
4,71 4,714,75 5,00%
4,61 4,58
4,494,514,52
4,31
4,18 4,62
4,504,50
3,793,85 4,254,254,254,254,25 3,75 4,00
4,004,00 3,75
3,54
3,42
3,03 3,50
2,85
3,25 3,00
3,00
2,50 2,02
2,25 2,05
2,00
2,002,00
1,34
Hushållens tro om reporäntan 1,49
om ett år 1,04
1,17 0,90 1,19
0,82
Reporäntan vid resp mättillfälle 1,00
0,91 1,13 1,00
1,00 1,03 1,01
0,930,990,960,920,88 0,97 0,94
0,85
0,500,50 0,50
0,50 0,50
0,250,250,250,250,250,250,250,250,250,250,250,25 0,00
8
v 9
M r 08
pt 8
M r 09
pt 9
pt 0
Ap 08
Ap 09
ri 0
Fe v 07
De v 08
De 09
O 08
O 09
10
Se li 05
Noli 07
Au i 08
Fe 09
Auli 09
Fe 10
Auli 10
M l 10
Ju i 06
Ju i 08
Ju i 09
Ju i 10
Fe 05
n 6
ar 8
Ja 08
ar 9
Ja 09
a 0
n 8
n 9
n 0
No t 0
No t 0
Se g 0
Se g 0
Se g 1
Ap rs 1
Ju j 0
Ju j 0
Ju j 1
Ju 0
M b0
M b0
M 1
s
s
p
n
n
c
c
b
b
k
k
l
a
a
a
Ju
Sept 2010
8