annika falkengren - seb...2010 >250 remissvar december 2010 förslaget på remiss kvantitativ...
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Annika FalkengrenPresident and CEO
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Dec-06 Dec-07 Dec-08 Dec-090
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Dec-06 Dec-07 Dec-08 Dec-09
Index CDS-spreadbps
Capital market developmentStockholm stock exchangeOMXS30, Index
May-10 May-10
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Operating profit SEK 3.4bnCredit loss level 0.92%Return on equity 1.2%Earnings per share 0.58 kr
18.815.717.216.2
12.110.69.88.98.5
10.6
5.7
1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009
Operating profit before credit provisions and goodwill impairmentsOperating profit
SEK bn
2009 in numbers
Stable underlying business
3.4
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Three priorities 2009
1
3
2
Support our customers
Strengthen the balance sheet
Manage development in the Baltics
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1 Support our customers – increased corporate lending
250
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2010 Q12009 Q42009 Q32009 Q22009 Q12008 Q42008 Q32008 Q2
SEK bnLending
Private customers
Corporates
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Wealth Management – Net sales Life – Premium income Log-ins – Internet banking
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15
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Q12009
Q2 Q3 Q4 Q12010
0123456789
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Q12009
Q2 Q3 Q4 Q12010
Support our customers – High customer activity1
SEK bn SEK bn No millions, Retail Sweden private
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15
Q12009
Q2 Q3 Q4 Q12010
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Strengthen the balance sheetTier 1 ratio, %
10.1
13.9
Dec 2008 Dec 2009
2
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11%
89%
Total lending* SEK 1,188bn
Lending, Baltic countries
77%
23%
Manage development in the BalticsTotal credit loss provisions
SEK 12.5bn
Provisions, Baltic countries
3
* 2009
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Estonia Latvia Lithuania
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-20
-15
-10
-5
0
5
10
15
-98 -00 -02 -04 -06 -08 -10
GDP development, %
-20
-15
-10
-5
0
5
10
15
-98 -00 -02 -04 -06 -08 -10
GDP development, %
-25
-20
-15
-10
-5
0
5
10
15
-98 -00 -02 -04 -06 -08 -10
GDP development, %
Estonia Latvia Lithuania
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0%
10%
20%
30%
40%
50%
–05 –06 –07 –08 –09 –100%
10%
20%
30%
40%
50%
–05 –06 –07 –08 –09 –10
Market share, % Market share, % Market share, %
0%
10%
20%
30%
40%
50%
–05 –06 –07 –08 –09 –10
SEB
SEB
SEB
NordeaSwedbank
NordeaSwedbankSwedbank
Estonia Latvia Lithuania
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-15
-10
-5
0
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10
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-98 -00 -02 -04 -06 -08 -10-20
-15
-10
-5
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15
-98 -00 -02 -04 -06 -08 -10-25
-20
-15
-10
-5
0
5
10
15
-98 -00 -02 -04 -06 -08 -10
GDP development, % GDP development, % GDP development, %
Estonia Latvia Lithuania
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Three priorities 2010
1
3
2
Strengthen the customer relationship
Prepare for upcoming regulations
Invest in our home market
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1 Strengthen the customer relationship
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Prepare for upcoming regulations
2012December 2009
April 2010
Summer 2010
>250 answers in the consultation
December 2010
DecisionConsultative proposal Quantitative analysis and consultation
2
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2012December 2009
April 2010
Summer 2010
>250 remissvar
December 2010
BeslutFörslaget på remiss Kvantitativ analys och konsultation
SEB is well prepared for new regulations
Tier 1 ratio 13.9%
Leverage ratio 5.5%
>18 months matched funding
Total reserve ratio 77%
2
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3 Invest in our home market – the corporate bank
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3
0%
20%
40%
60%
80%
100%
-100 -75 -50 -25 0 25 50 75 100
SEB 2008
GQ
I –D
iffer
ence
from
ave
rage
%
GQI – Difference from average
Market position among large Nordic corporates
Invest in our home market – the corporate bank
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Invest in our home market
Equities
M & A
Foreign Exchange
Custody
3
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Group executive committee
Johan Andersson
Magnus Carlsson Anders Mossberg Martin Johansson Mats Torstendahl
Hans LarssonIngrid EngströmViveka
Hirdman-Ryrberg
Jan Erik BackBo Magnusson
Fredrik Boheman
Annika Falkengren
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