2016 Q3 factbook - The leading Nordic corporate bank ?· Q3 Q4 Q1 Q2 Q3 Q4 Q1 Q2 Q3 2014 2014 2015 2015…

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    SEB Fact Book January September 2016 N

    Fact Book January September 2016 STOCKHOLM 20 OCTOBER 2016

  • SEB Fact Book January September 2016 2

    Table of contents About SEB ..................................................................................................................................................................................... 4

    Financial targets .......................................................................................................................................................................................................................... 4Rating ............................................................................................................................................................................................................................................. 4

    Organisation ..................................................................................................................................................................................5Share of operating profit Full year 2015, excluding one-off effects ....................................................................................................................................... 5

    Corporate Governance ................................................................................................................................................................. 6Board .............................................................................................................................................................................................................................................. 6Group Executive Committee ....................................................................................................................................................................................................... 6Share and shareholders ............................................................................................................................................................................................................... 7The SEB share Jan 2011 30 Sep 2016 Index .......................................................................................................................................................................... 7SEBs major shareholders Dividend development ................................................................................................................................................................ 7

    Income statement ........................................................................................................................................................................ 8SEB Group ...................................................................................................................................................................................................................................... 8Income, Expenses and Operating profit ..................................................................................................................................................................................... 8Income statement, quarters SEB Group ..................................................................................................................................................................................... 9Share of operating profit .............................................................................................................................................................................................................. 9Key figures SEB Group ............................................................................................................................................................................................................ 10Impact from exchange rate fluctuations .................................................................................................................................................................................. 10Net interest income analysis ...................................................................................................................................................................................................... 11Net interest margin ...................................................................................................................................................................................................................... 11NII customer driven specification ............................................................................................................................................................................................. 12Net fee and commission income............................................................................................................................................................................................... 12Net financial income .................................................................................................................................................................................................................. 13Expenses ...................................................................................................................................................................................................................................... 13

    Staff costs - SEB Group ................................................................................................................................................................................................ 13Other expenses - SEB Group ....................................................................................................................................................................................... 13

    Balance sheet structure & funding ............................................................................................................................................. 14Balance sheet structure ............................................................................................................................................................................................................. 14Total loans and deposits ............................................................................................................................................................................................................ 15Loan to deposit ratio excl repos and debt instruments .......................................................................................................................................................... 15A strong balance sheet structure, 30 Sep 2016 ....................................................................................................................................................................... 15Intangible assets ......................................................................................................................................................................................................................... 15Long-term funding Maturity profile, 30 Sep 2016 ................................................................................................................................................................... 16

    By product, SEK bn ....................................................................................................................................................................................................... 16By currency, SEK bn, 30 Sep 2016 .............................................................................................................................................................................. 16Long-term funding raised, SEK bn .............................................................................................................................................................................. 16

    Balance Sheet Maturity Profile SEB Group ................................................................................................................................................................................ 17Remaining Contractual Maturities ............................................................................................................................................................................... 17

    SEB's Liquidity Reserve, 30 Sep 2016, SEK m .......................................................................................................................................................................... 18Components Swedish FSA Liquidity ratio, 30 Sep 2016, SEK bn ........................................................................................................................................... 18Asset Encumbrance for the SEB consolidated situation, 30 Sep 2016, SEK m .................................................................................................................... 18SEB AB Mortgage cover pool and covered bonds characteristics ......................................................................................................................................... 19Capital adequacy ........................................................................................................................................................................................................................ 20Own funds in the SEB consolidated situation .......................................................................................................................................................................... 20Risk exposure amounts for the SEB consolidated situation................................................................................................................................................... 21IRB reported credit exposures (less repos and securities lending) ....................................................................................................................................... 21Risk exposure amount development ........................................................................................................................................................................................ 21Capital adequacy and Risk exposure amount, SEB Group Basel III .................................................................................................................................... 22All outstanding Subordinated Debt .......................................................................................................................................................................................... 22Assets under management ........................................................................................................................................................................................................ 22Mutual funds per product type .................................................................................................................................................................................................. 23

    Total net inflow per quarter Assets under management, SEK bn. ........................................................................................................................ 23Credit portfolio ........................................................................................................................................................................... 24

    Credit portfolio* .......................................................................................................................................................................................................................... 24Credit portfolio by industry and geography* ........................................................................................................................................................................... 24Loan portfolio by industry and geography* ............................................................................................................................................................................. 25Credit portfolio Corporates Credit portfolio Property Management ......................................................................................................................... 26Credit portfolio by industry and geography* ........................................................................................................................................................................... 26

    Asset quality ............................................................................................................................................................................... 27Credit loss level ........................................................................................................................................................................................................................... 27Development of Non-performing loans ................................................................................................................................................................................... 27Non-performing loans & reserves............................................................................................................................................................................................. 28

    SEB Group ..................................................................................................................................................................................................................... 28Baltic geographies ........................................................................................................................................................................................................ 28

  • SEB Fact Book January September 2016 3

    Impaired loans by industry and geography* ............................................................................................................................................................................ 29Non performing portfolio assessed loans* .............................................................................................................................................................................. 30Market risk ................................................................................................................................................................................................................................... 30Debt instruments .......................................................................................................................................................................................

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