Swedbank corporate presentation April 25 2017
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This document provides an overview of Swedbank, a bank operating in Sweden, Estonia, Latvia, and Lithuania. It details that Swedbank has over 16 million inhabitants, 7.3 million private customers, and 651,000 corporate customers across its four home markets. Key figures on branches, employees and lending are also provided for each country. The document discusses Swedbank's history, vision, values, purpose and engagement in society. It outlines challenges from new customer needs, competitors, regulations and economic developments, and how Swedbank is adapting. Services provided to private and corporate customers are also summarized.
Swedbank corporate presentation April 25 2017
- 1. This is Swedbank April 25, 2017
- 3. Sweden, Estonia, Latvia and Lithuania are our home markets 16.2 million inhabitants 7.3 million private customers 651 000 corporate customers 382 branches 13 774 employees
- 4. 4 Sweden Inhabitants 10.0 million Private customers 4.0 million Corporate customers* 332 000 Branches 241 Employees 7 740 Estonia Inhabitants 1.3 million Private customers 0.9 million Corporate customers* 143 000 Branches 35 Employees 2 419 Latvia Inhabitants 2.0 million Private customers 0.9 million Corporate customers* 91 000 Branches 41 Employees 1 549 Lithuania Inhabitants 2.9 million Private customers 1.5 million Corporate customers* 85 000 Branches 65 Employees 2 066 Sweden Estonia Latvia Lithuania Our home markets *including organisations
- 5. Our global presence Sweden Norway Denmark Finland Estonia Latvia Lithuania Luxembourg USA South Africa China Home markets Other markets
- 6. Lending, SEK billion (March 31, 2017) 1 457 Operating profit, SEK million (Jan-Mar 2017) 6 307 Deposits, SEK billion (March 31, 2017) 898 Return on equity (Jan-Mar 2017) 15.9% Swedbank in figures
- 7. We enable people, businesses and society to grow. Vision Open Simple Caring Values Purpose We encourage a sound and sustainable financial situation for the many households and businesses. Who we are
- 8. We started in1820, as Sweden’s first savings bank. Our purpose was to combat poverty and to encourage ordinary people to save for a better future. Once upon a time… 1820 1915 1991 1992 1995 1997 2005 2006 20141994 Jordbrukskassan Föreningsbanken Sparbanken Sverige IPO Föreningsbanken Föreningssparbanken IPO Sparbanken Sverige Hansabank Swedbank Sparbanken Öresund
- 9. With a focus on social, economic and environmental sustainability. Our engagement in society continues
- 10. We get involved where our customers are (examples) Against bullying In Sweden, we collaborate with the Friends Foundation (Stiftelsen Friends), to prevent bullying among children. Introduction to business life In Lithuania, we have I will be, an initiative that’s about introducing different professions to young people. In Sweden, we collaborate with Young Enterprise (Ung Företagsamhet), which trains students in entrepreneurship. Football A partner to the Swedish Football Association. Local associations We engage in local community associations, focusing on initiatives that benefit young people. Internships Through Young Jobs (Unga Jobb) we help arrange internships for young people. Through A Job at Last (Äntligen Jobb) we help arrange internships for academics born abroad. Both initiatives are based in Sweden. The environment We were certified according to ISO 14001 back in 2003 – as the first listed Nordic bank. Teach economy Through Ready for Life we teach private economy at Latvian schools. In Sweden we have a similar initiative, Young Economy (Ung Ekonomi). For the younger ones we publish Lyckoslanten, one of Sweden’s biggest children’s magazines. Portal for donations In Estonia, we contribute funding and expertise to I Love to Help, a portal for donations to more than 50 charities. Support to teachers Through Mission Possible we help students in Latvia to become inspiring teachers and future leaders.
- 11. Our employees • We invest in our employees’ development. • We create opportunities for internal mobility. • We work for equality and diversity. • We help our employees to find a balance between their job and private life. • Our goal is to have the industry’s best managers.
- 12. The world is changing. And so are we.
- 14. Customers’ new needs More and more customers are choosing to do their daily banking using a computer, smartphone or tablet. At the same time many customers want personal help, especially in cases that are a bit more complex. Our future: Customers should be able to handle all their daily banking digitally, but also be able to get personal, customised help at our branches.
- 15. Macroeconomic developments Due to globalisation, both we and our customers are increasingly affected by what happens in the world. Demographic changes such as urbanisation and population growth are creating new business opportunities. Low inflation has resulted in an expansive monetary policy and low interest rates. Our customers are taking greater risks and bigger loans. Our future: To remain a strong, relevant bank, we need to constantly adapt to the changes around us.
- 16. New competitors Our competitors are both global banks and companies that are operating outside the traditional banking sector. Our future: We must make it even easier to manage daily banking digitally. And we must become even better at transforming customer data into customer insights, in order to provide tailor-made services and products.
- 17. In the past few years, several new regulations have been introduced, nationally as well as within EU and globally. The regulations aim to increase financial stability and to protect consumers. Our future: The new regulations will increase our costs and put pressure on our profits. Nevertheless, we welcome these regulations as they contribute to increased stability. As a matter of fact, Swedbank is one of Europe’s best capitalised banks. New regulations
- 18. MiFID II EU directive that regulates trading with securities and aims to improve investor protection. Basel III International regulation that has tightened the requirements for banks’ capital adequacy ratio and reporting. Aims to prevent future financial bubbles and crashes. PSD2 EU directive that aims to create clear rules for third-party services in the banking market. It also establishes rules for common security standards. Examples of new regulations
- 19. We are a part of our customer’s day – throughout their life.
- 20. Our private customers Has her own savings account Planning to buy a new car Saving for his retirement Recently bought a summer cottage Saving for a trip around the world Stock trader
- 21. Our private customers Almost half of the population in our home markets are Swedbank customers! Here are a few of the things we help them with: • Loans & mortgages • Savings & investments • Payment services • Pension and insurance • Private banking
- 22. ©Swedbank 22 Our corporate customers Wants to start a company Needs to hire staff On her way to the stock exchange Wants to sell his company Dreams about retirement Needs more capital
- 23. Our corporate customers In a company, anything can happen. To be able to help our customers in every possible scenario, we offer expertise in the following areas: • Pensions & insurance • Financing • Risk management • E-services • Cash management • Asset management • International business • Taxes & legal services • Transfer of ownership • Business management • Investment • Property management
- 24. There are many ways to Swedbank Digital services Via smartphone, tablet or computer E-mail Phone Social media 382 branches Customer