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%
Nysparandet var under kvartalet 2 miljarder kronor. Banksparandeoch sparande i fondförsäkring var positiva (6 miljarder vardera), liksom sparande i obligationer (3 miljarder). Traditionell försäkring uppvisade ett negativt sparande (4 miljarder) liksom fondsparande (9 miljarder).
Kurserna på stockholmsbörsen minskade med 12,1 procent, vilket påverkade förmögenhetsmassan negativt.
Också bostadspriserna gick ner –med 1,6 procent.
Hushållens upplåning ökade det senaste kvartalet med 1,5 procent, vilket är ett markant lägre tal än för tidigare kvartal.
SEB och Swedbankhade 14,8% var av sparmarknaden. Alectaoch Skandia hade 9,7% var och Nordea 8,7%.
Coop Dagligvaruhandel är ett affärsområde inom Kooperativa Förbundet (KF). Coop bedriver dagligvaruhandel inom butikskedjorna Coop Forum, Coop Extra, Coop Konsum, Coop Nära samt Mataffären.se och Daglivs
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%
Nysparandet var under kvartalet 2 miljarder kronor. Banksparandeoch sparande i fondförsäkring var positiva (6 miljarder vardera), liksom sparande i obligationer (3 miljarder). Traditionell försäkring uppvisade ett negativt sparande (4 miljarder) liksom fondsparande (9 miljarder).
Kurserna på stockholmsbörsen minskade med 12,1 procent, vilket påverkade förmögenhetsmassan negativt.
Också bostadspriserna gick ner –med 1,6 procent.
Hushållens upplåning ökade det senaste kvartalet med 1,5 procent, vilket är ett markant lägre tal än för tidigare kvartal.
SEB och Swedbankhade 14,8% var av sparmarknaden. Alectaoch Skandia hade 9,7% var och Nordea 8,7%.
Coop Dagligvaruhandel är ett affärsområde inom Kooperativa Förbundet (KF). Coop bedriver dagligvaruhandel inom butikskedjorna Coop Forum, Coop Extra, Coop Konsum, Coop Nära samt Mataffären.se och Daglivs
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.
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.
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.
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.
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'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.
The document summarizes SEB's competitive position and performance in Q2 2009. Key points include:
- SEB maintained strong income generation and cost control in Q2 despite market turbulence.
- Asset quality remained stable outside the Baltic region, while provisions continued to build reserves for Baltic challenges.
- SEB has a well-diversified Nordic-focused credit portfolio and limited exposure to riskier sectors.
- The economies of Sweden and the Baltics are stabilizing and expected to recover in 2010-2011.
Avkastningen på Varmas placeringar uppgick år 2020 till 2,8 (12,0) procent, det vill säga 1,4 miljarder euro. Placeringarnas värde steg vid slutet av coronaåret 2020 till 50,2 (48,7) miljarder euro, alltså för första gången i Varmas historia över 50 miljarder euro.
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
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.
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.
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.
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.
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.
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'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.
The document summarizes SEB's competitive position and performance in Q2 2009. Key points include:
- SEB maintained strong income generation and cost control in Q2 despite market turbulence.
- Asset quality remained stable outside the Baltic region, while provisions continued to build reserves for Baltic challenges.
- SEB has a well-diversified Nordic-focused credit portfolio and limited exposure to riskier sectors.
- The economies of Sweden and the Baltics are stabilizing and expected to recover in 2010-2011.
Avkastningen på Varmas placeringar uppgick år 2020 till 2,8 (12,0) procent, det vill säga 1,4 miljarder euro. Placeringarnas värde steg vid slutet av coronaåret 2020 till 50,2 (48,7) miljarder euro, alltså för första gången i Varmas historia över 50 miljarder euro.
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
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-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.
SEB-report: EU financial transactions tax unlikely to pass
Sparbarometern grafer kv2-10
1. Sparbarometern
QII 2010
Sparbarometern andra kvartalet 2010 1
2. SEBs Sparbarometer
Andra kvartalet 2010
Sparandestocken = bankinlåning från hushållen, försäkring,
fonder, obligationer, riksgäldsspar, premiepensionssparande,
där så anges även direktägda aktier och bostäder.
Källor: SCB, Riksbanken, CSN, Försäkringsförbundet,
Finansinspektionen, MoneyMate, NASDAQ OM, NGM/NDX,
SEB Trygg Liv, Pensionsmyndigheten, maklarstatistik.se,
bolagens rapporter.
Sammanställt av Carl Holm, SEB Trygg Liv
Sparbarometern andra kvartalet 2010 2
3. Utveckling andra kvartalet 2010
Nysparandet var under kvartalet 46 miljarder kronor.
Banksparandet uppgick till 34 miljarder och försäkringssparandet
till 14 miljarder.
Kurserna på stockholmsbörsen sjönk med 3,7 procent.
Bostadspriserna gick upp med 3,3 procent.
Hushållens upplåning ökade det senaste kvartalet med 2,2
procent. För tolv månader var ökningen 8,4%.
SEB hade 12,6% och Swedbank 14,7% av sparmarknaden.
Alecta 9,8%, Skandia 9,5% och Nordea 8,9%.
Sparbarometern andra kvartalet 2010 3
7. Nysparande Inflödet i PPM är exkluderat
MSEK Per kvartal
70 000
60 000
50 000
40 000
30 000
20 000
10 000
0
05-I 05-II 05- 05- 06-I 06-II 06- 06- 07-I 07-II 07- 07- 08-I 08-II 08- 08- 09-I 09-II 09- 09- 10-I 10-II
-10 000 III IV III IV III IV III IV III IV
-20 000
-30 000
-40 000
Sparbarometern andra kvartalet 2010 7
8. Nysparande Inflödet i PPM är exkluderat
MSEK Rullande 12 månader
200 000
180 000
160 000
140 000
120 000
100 000
80 000
60 000
40 000
20 000
0
05-I 05-II 05-III 05- 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
IV IV IV IV IV
Sparbarometern andra kvartalet 2010 8
14. Hushållens lån
Förändring från föregående år, procent
2010-06-30 + 8,4%
2010-03-31 + 8,8%
2009-12-31 + 8,5%
2009-09-30 + 7,7%
2009-06-30 + 7,3%
Sparbarometern andra kvartalet 2010 14
15. Hushållens tillgångar och skulder
2010-06-30
Bostäder/bostadslån Aktier/banklån m m Räntetillgångar/konsumtionskrediter
12 000
10 000
8 000
6 000
4 000
2 000
0
00
03
06
10
97
0
0
3
6
7
'1
'0
'0
'0
'9
r'
r'
r'
r'
r'
llg
llg
llg
llg
llg
de
de
de
de
de
Ti
Ti
Ti
Ti
Ti
ul
ul
ul
ul
ul
Sk
Sk
Sk
Sk
Sk
Siffrorna avser första
kvartalet angivet
jämförelseår, för
2010 andra kvartalet
Sparbarometern andra kvartalet 2010 15
26. Obligationer m m
Siffror 2010-06-30 (2004-12-31)
Förändringen av
obligationer för första
kvartalet 2007 för SEB
till stor del av mätteknisk
natur och överdriver
kraftigt den reala
100% förändringen
Övriga 12,3% (12,6)
80%
Staten 36,3% (52,8)
60%
Swedbank 13,1% (10,4)
40% Nordea 10,3% (5,9)
Handelsbanken 19,5% (14,8)
20%
SEB 8,5% (3,3)
0%
04-IV 05-IV 06-IV 07-IV 08-IV 09-IV
Sparbarometern andra kvartalet 2010 26
27. Sparstock per bolag
MSEK
04-IV 05-II 05-IV 06-II 06-IV 07-II 07-IV 08-II 08-IV 09-II 09-IV 10-II
800 000
700 000
600 000
500 000
400 000
300 000
200 000
100 000
0
n
nk
ea
B
ta
P
ia
r
F
ke
ga
AM
SP
SE
nd
ec
ba
rd
in
an
a
Al
No
ed
kr
Sk
lsb
ä
Sw
rs
de
fö
n
ns
Ha
Lä
Sparbarometern andra kvartalet 2010 27
28. Sparstock per sparform
04-IV 05-II 05-IV 06-II 06-IV 07-II 07-IV 08-II 08-IV 09-II 09-IV 10-II
MSEK
2000000
1800000
1600000
1400000
1200000
1000000
800000
600000
400000
200000
0
g
m
g
g
er
M
in
rin
rin
PP
nd
m
ån
äk
äk
Fo
r
inl
ne
rs
rs
nk
fö
io
fö
Ba
nd
at
ad
li g
Fo
Tr
Ob
Sparbarometern andra kvartalet 2010 28
35. Sparstock per bolag
MSEK 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
800 000
700 000
Ej uppdaterad sida
600 000
500 000
400 000
300 000
200 000
100 000
0
en
k
ea
ta
B
ia
r
F
ga
n
AM
SE
nd
ec
ba
nk
rd
in
a
Al
No
ba
ed
kr
Sk
sä
els
Sw
ör
nd
sf
Ha
n
Lä
Sparbarometern andra kvartalet 2010 35