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.
http://www.youtube.com/watch?v=yJVgJ5kPb70 is one of the world's foremost brokers advising on global medical insurance policies. We work with all the major worldwide medical insurance coverage firms and have places of work in Europe and Asia. Worldwide we have above +120,000 clients, the greater part of our customers are people but we also work with some of the world's leading organizations such as L<apos>Oreal and Unilever. Our skills is in supplying tips and support to individuals seeking for comprehensive international medical insurance policy, notably people living in developing nations around the world or overseas from their home country.
SEB sees 25 per cent chance of Riksbank cutSEBgroup
SEB’s experts see a 25 per cent chance the Riksbank will cut its repo rate by 25 basis points to 1.25 per cent at Wednesday’s rate decision. An investor survey done by SEB shows only 8 per cent of respondents foresee a rate cut and in an internal survey among SEB’s own fixed income traders and experts, 18 per cent says they believe the rate will be cut. The alternative to a cut is an unchanged repo rate.
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.
http://www.youtube.com/watch?v=yJVgJ5kPb70 is one of the world's foremost brokers advising on global medical insurance policies. We work with all the major worldwide medical insurance coverage firms and have places of work in Europe and Asia. Worldwide we have above +120,000 clients, the greater part of our customers are people but we also work with some of the world's leading organizations such as L<apos>Oreal and Unilever. Our skills is in supplying tips and support to individuals seeking for comprehensive international medical insurance policy, notably people living in developing nations around the world or overseas from their home country.
SEB sees 25 per cent chance of Riksbank cutSEBgroup
SEB’s experts see a 25 per cent chance the Riksbank will cut its repo rate by 25 basis points to 1.25 per cent at Wednesday’s rate decision. An investor survey done by SEB shows only 8 per cent of respondents foresee a rate cut and in an internal survey among SEB’s own fixed income traders and experts, 18 per cent says they believe the rate will be cut. The alternative to a cut is an unchanged repo rate.
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.
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%
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.
Electrolux Consolidated results 2012 PresentationElectrolux Group
Highlights of the fourth quarter of 2012. Net sales amounted to SEK 29,185m (28,369) and income for the period was SEK 292m (221), or SEK 1.02 (0.77) per share. Net sales improved by 2.9%, of which 7.5% was organic growth and –4.6% changes in exchange rates.
Highlights of the first quarter of 2012. Net sales amounted to SEK 25,875m (23,436) and income for the period was SEK 559m (457), or SEK 1.96 (1.61) per share. Net sales improved by 10.4%, of which 3.5% was organic growth. The acquisitions of CTI and Olympic Group impacted sales by 5.8%.
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-report: EU financial transactions tax unlikely to passSEBgroup
The European Commission will present a proposal for a Tobin tax on financial transactions this autumn. Implementation of this tax is unlikely as both Sweden and the UK oppose it. It would be easier to find support for a stability levy, writes SEB economist Andreas Johnson in a note published Wednesday.
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.
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
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Under the leadership of Abhay Bhutada, Poonawalla Fincorp has achieved record-low Non-Performing Assets (NPA) and witnessed unprecedented growth. Bhutada's strategic vision and effective management have significantly enhanced the company's financial health, showcasing a robust performance in the financial sector. This achievement underscores the company's resilience and ability to thrive in a competitive market, setting a new benchmark for operational excellence in the industry.
How to get verified on Coinbase Account?_.docxBuy bitget
t's important to note that buying verified Coinbase accounts is not recommended and may violate Coinbase's terms of service. Instead of searching to "buy verified Coinbase accounts," follow the proper steps to verify your own account to ensure compliance and security.
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
Yes of course, you can easily start mining pi network coin today and sell to legit pi vendors in the United States.
Here the telegram contact of my personal vendor.
@Pi_vendor_247
#pi network #pi coins #legit #passive income
#US
2. SEB's markets in
Northern Europe
GDP, growth per year, %
Average, Baltic countries
Average, Nordic countries
Euro Zone
12
10
8
6
4
2
0
2006 2007 2008 (f) 2009 (f)
2
3. This is SEB today
Share of operating profit Q1 2008
Wealth
Management Baltic
Life
countries Nordics
15% 20%
10%
18%
Germany
4%
37%
38%
58%
Retail Merchant
Banking Banking Sweden
3
4. SEB's franchise
Merchant Banking
● #1 Nordic stock broker
● #1 Nordic and Baltic investment bank
● #1 Nordic and Baltic cash manager
● #1 Custody Nordic and Baltic markets
● #1 Scandinavian currencies
Wealth Management
● #1 Nordic and Baltic private bank
● #2 Nordic asset manager
Life and pension
● #1 Nordic unit-linked business
Retail
● #2 Baltic region
4
5. Our strategy – The Road to Excellence
Expand and
Co-ordinate accelerate
universal offering growth in areas
Focus
of strength
Sustainable
profit growth
Focused growth in
areas of strength
Installing operational
2,500 large corporates 5 million private
400,000 SME’s
& institutions individuals
excellence
Streamlining
Merchant Retail Wealth Life
Group
Group IT Operations
and integration
Group Staff
Norway Finland Germany Latvia Ukraine
Russia
Estonia
Sweden Denmark Poland Lithuania
From To
1 1 2 3
Productivity
2
3 OK
4
5 OK
2006 2007 2008 2009 2010
Proactivity
5
6. Resilience from operational leverage
Cost-management program SEB Way
Status Q1 2008
Both front- and back-end processes
2007 – 2009:
30 % of all employees
Commitment More than 800 FTEs freed up
SEK 1.5 – 2bn
Realised since start
SEK 625m
6
7. Strong balance sheet
Core capital ratio Net liquidity position across maturities
Basel II including transitional rules, % 31 March, SEKbn
300
8.9
SEB is match-
funded approx.
7.2 one year
200
7.0
100
6.8
6.5
0
1 week
2 weeks
4 weeks
2 months
3 months
4 months
5 months
6 months
9 months
12 months
*
6.4
(2007)
* Danske has during 2008 started to report the full Basel II effect
7
8. Capturing structural growth trends
SEB is:
Capital markets Creating demand for:
Exploiting
Trading, investment
being the #1
banking, new asset
Nordic
classes
Merchant Bank
Demography
Expanding the
asset manage-
Asset management,
ment and life
pension products
insurance
franchise
Emerging markets
Continued
Local financial growth in
services, int’l support
Eastern
for our clients
Europe
8
9. Leverage being the #1 Nordic
Merchant Bank
Global Transaction Services Corporate foreign exchange
Custody, Cash management etc International ranking
3.2
Income, SEKbn 2008 2007
2.7
2.4
2.1
1.9
1 1 Citi
2 2 Deutsche Bank
3 4 HSBC
2003 2004 2005 2006 2007
Assets under Custody
11 10 BNP Paribas
EUR bn
12 12 SEB
Nordea SEB
600
13 13 Mitsubishi UFJ Fin
400
Grp
200
0
2002 2007
9
10. Demographics supporting
long-term savings
Strong market position in all markets
Market shares, gross premium income, unit-linked insurance
SEB
(%, 2007)
Rank
SEB Market share Competitors
1
Sweden* 22
2
Denmark 17
Estonia 2
28
Latvia 1
43
Lithuania 37 2
0% 20% 40% 60% 80% 100%
* unit-linked (Sweden new sales)
Net inflows in the Swedish mutual funds
Cumulative FY 2007 and Q1 2008, SEKbn
15.2
-8.6
-13.6
-18.5
Robur SHB Nordea SEB
10
11. Go East: A continued growth case
Operating result country level; SEK millions
4,000
Lithuania
Latvia
3,114*
Estonia
3,000 +34%
2,320
+62%
2,000
1,428
250,000 new
1,000
customers
during 2007
0
2005 2006 2007
* Adjusted for sale of Baltic real estate
11
12. Managing a downturn in
the Baltic countries
Phase I - Actions to manage overheating
Jan 06 Jul 06 Dec 06 2007
● Concluding ● Further tightening
● Tightening of ● Overheating
internal review of credit policy
credit policy risks
of Baltic incl. cautious communicated ● Raised attention to
economies property mgmt currency risks
● Increased ● ROE priority > ● Collective
capitalisation volume growth provisioning policy
Credit growth per quarter
12%
10%
8%
6%
4%
2%
0%
2006 2007 2008
12
13. Managing a downturn in
the Baltic countries
Phase II - Actions to manage correction
Asset quality
Targeted credit portfolio reviews
Joint local and head-office work-out
team
Early conservative provisioning
Business development
Individual country approach
Full integration in SEB Group to
broaden product palette
Develop relationships with existing
and new customers
13
14. SEB in Germany
Retail Merchant
Banking Banking
Asset Commercial
Management Real Estate
14
15. Long-term objectives
Sustainable profit
Customer
growth
satisfaction:
No 1 in chosen
markets
AA-rating
Highest Return
on Equity
15