1 3Finansinspektionens Diarienummer 10-1402 Datum: 15 februari 2010 Till 0 1ggsprospekt avseende Medium Term Note Program f 0 2r S 0 1kerst 0 1llda Obligationer och Program f 0 2r Kontinuerlig utgivning av S 0 1kerst 0 1llda Obligationer Till 0 1gg till Skandinaviska Enskilda Banken AB (publ) Grundprospekt, vilket godk 0 1nts och registrerats av Finansinspektionen den 29 juni (diarienr 09-6171-413). Detta till 0 1gg har godk 0 1nts och registrerats av Finansinspektionen i enlighet med 2 kap 34 Л lagen (1991:980) om handel med finansiella instrument. Detta till 0 1gg skall l 0 1sas tillsammans med Grundprospektet av den 29 juni. Detta till 0 1ggsprospekt uppr 0 1ttas i samband med att Skandinaviska Enskilda Banken AB (publ) publicerat sin bokslutskommunik f 0 2r. R 0 1tt att 0 2terkalla anm 0 1lan, samtycke till k 0 2p eller liknande med anledning av publiceringen av detta till 0 1gg ska utnyttjas senast inom fem arbetsdagar fr 0 2n publiceringen.
1 3 Bokslutskommunik STOCKHOLM 10 FEBRUARY 2010 SEB C r 0 2relseresultat 3,4 miljarder kronor (12,5) 1 7 Resultatet f 0 2re reserveringar f 0 2r kreditf 0 2rluster uppgick till 15 816 (15 697), en 0 2kning med 1 procent. Justerat f 0 2r goodwillnedskrivningar, kapitalvinster och omstruktureringskostnader steg resultatet 11 procent till 17 215. 1 7 R 0 2relseresultatet uppgick till 3 372 (12 471) och nettoresultatet till 1 178 (10 050). 1 7 1 7 Int 0 1kterna 0 2kade med 8 procent. R 0 1ntenettot steg med 4 procent och provisionsnettot minskade med 5 procent. Kostnaderna 0 2kade med 3 procent, exklusive goodwillnedskrivningar p 0 2 3 miljarder kronor. 1 7 Reserveringarna f 0 2r kreditf 0 2rluster var 12 448 (3 231) och kreditf 0 2rlustniv 0 2n 0,92 procent (0,30). 1 7 R 0 1ntabiliteten var 1,2 procent (13,1) och vinsten per aktie 0:58 kronor (10:36). 1 7 K 0 1rnprim 0 1rkapitalrelationen var 11,7 procent (8,6) och prim 0 1rkapitalrelationen 13,9 procent (10,1). 1 7 Styrelsen f 0 2resl 0 2r en utdelning p 0 2 1:00 krona per aktie (ingen utdelning f 0 2r ). Fj 0 1rde kvartalet C r 0 2relseresultat 0,6 miljarder kronor (4,0) 1 7 1 7 1 7 Resultatet f 0 2re reserveringar f 0 2r kreditf 0 2rluster uppgick till 3 748 (5 730). R 0 2relseresultatet var 564 (4 028) och nettoresultatet 284 (3 507). Int 0 1kterna minskade med 22 procent j 0 1mf 0 2rt med motsvarande kvartal i fjol. I detta ing 0 2r en kostnad f 0 2r kompensation till svenska fondandelsinnehavare p 0 2 185. Kostnaderna var 12 procent l 0 1gre 0 1n under motsvarande kvartal i fjol och 2 procent h 0 2gre 0 1n under f 0 2reg 0 2ende kvartal. V 0 2rt resultat f 0 2r 0 1r ett bevis f 0 2r styrkan i v 0 2r breda aff 0 1rsmix och v 0 2ra l 0 2ngsiktiga kundrelationer under ett sv 0 2rt 0 2r. Fram 0 2ver kan vi se en klar f 0 2rb 0 1ttring i Baltikum. Med en st 0 1rkt balansr 0 1kning kan vi investera i tillv 0 1xt inom v 0 2ra verksamhetsomr 0 2den med fokus p 0 2 Stora F 0 2retag & Institutioner i Norden och Tyskland. Annika Falkengren Totala int 0 1kter Miljarder kronor 0 5 34,2 38,7 40,4 41,1 44,2 2005 2006 2007 Resultat f 0 2re kreditf 0 2rluster Miljarder kronor 12,1 16,2 17,2 15,7 15,8 2005 2006 2007 R 0 1ntabilitet Prim 0 1rkapitalrelation * Procent Procent 14,7 20,8 19,3 13,1 1,2 2004 2006 2007 7,5 8,2 * 9,9 * 10,1 * 13,9 Dec Dec Dec Dec Dec 2005 2006 2007 * Basel II utan 0 2verg 0 2ngsregler pb 0 4 0 9 0 5 0 1 0 5 0 9 0 4 0 0 0 0 0 2 0 9 OMMV N
1 3VD har ordet OMMV 0 6~ 0 6 0 7 0 9 0 1 0 0 0 7 0 2 0 7 0 5 0 7 0 1~ 6 4 J 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1 0 9~ 0 1 0 1~ 0 6 0 2 0 7 0 0 6 4 0 2~ 0 5 0 7 0 5 0 4 0 0 0 7 0 5 0 7 0 5~ 0 2 0 5 г 0 6 0 7 0 0 0 3 0 9 0 1 0 1 0 7 ~ 0 1 0 1 6 4 ~ 0 9 0 7J 0 4 0 3 0 5 0 5 0 9 0 1 0 5 0 0~ 0 9 0 2~ 0 5 0 7 0 2~K 0 4 0 6 0 7 0 2 0 4 0 0 6 4 0 7 0 2 0 7 ~ 0 6 0 5 0 1 ~ 0 5 0 7 0 5 6 4 0 5~ 0 0 0 0~ г 0 6 0 7 0 5 0 6~ 0 1 0 1~ 0 2 0 5 0 7 0 5 0 3 I 0 5 6 4 0 5~ 0 6 0 9 0 4 0 0 0 0 0 2 0 3 0 0~ 0 7 0 7 0 2 0 9 0 4 0 2 0 9 0 6 0 3 0 2 0 5 0 2 0 2 0 0 0 3 0 2 0 6~ 0 5 0 5 0 7 0 5 0 1 0 7 0 5 ~ 0 6 6 4 0 0~ 0 5 0 7 0 5 0 4 ~ 0 5 6 4 0 5 г 0 7 6 4 0 5 0 7 0 5~ 0 2Ks 0 5 0 9~ 0 5 0 4 0 3 0 9 0 9 0 4 0 0 0 0~ 0 5 6 4 0 0~ 0 5 0 7 0 3 0 0 0 3 0 9 0 7 ~ 0 3 0 9 0 6~ 0 7 0 5 г 0 5 6 4 0 0 0 3 0 5 0 7 0 2~ 0 5 6 4 0 2 0 7 0 0 0 7 0 2 0 0~ 0 4 0 3 0 5 0 3 0 7 0 2 ~ 0 1 0 2~ 0 2 0 9 0 7 0 5 0 4 0 0 0 6 0 2 0 5 0 7 0 1 0 5 0 2 0 2 0 0 0 7 0 2Ka 0 7 0 5 0 2 0 2 0 5 0 5 0 9 0 5 г 0 2~ 0 9 0 5 0 1~ 0 0 0 2 0 3 0 5 0 7 0 5 0 5~ 0 5 ~ 0 5 0 1 0 1 0 2~ 0 9~K Sv 0 2ra beslut och st 0 1rkt balansr 0 1kning OMMV 0 6~ 0 4 0 3 0 9 0 5 6 4 0 5 0 7 0 5 0 6 6 4 ~ 0 2 0 7 0 5 0 1 0 7 0 2 0 5 6 4 W 0 2 0 7 0 0 0 5 0 5 0 4 0 2 0 7 0 2I 0 2 0 7 0 5 0 5 0 9 0 3 0 2 0 2 0 0~ 0 7 0 5 0 4 0 2~ 0 1 0 5 0 9~ 0 2 0 0 0 7 0 5NRMM 0 7 0 5 0 4 0 2 0 7 I 0 2 0 7 0 5 0 5 0 9 0 6 0 2 0 2 0 0 0 7 0 2~ 0 6~ 0 1 0 1 0 0 0 4 0 4 0 5 0 7 0 1 0 1 _~ 0 1 0 9 0 0 0 4 0 3 0 5 0 6 6 4 г 0 5 0 7 0 4 0 7 0 5 0 9~ 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 0 5~ 0 0 0 5 г 0 1 0 3 0 2 0 0 0 2 0 2 0 0 0 7 0 2~ 0 6 0 1 г 0 5 0 7 0 2~ 0 5 г 0 2~ 0 2 0 9 0 7 0 2 0 5 0 5 0 2~ 0 2 0 5 0 7 0 2 0 0 6 4 0 2 0 7 0 9 0 4 0 5 0 2~ 0 5~ 0 6 0 3 0 2 0 7 0 2 0 7 0 4 K v 0 7 0 5 0 4 0 0 0 5 0 5 0 7 0 5 0 5~ 0 2 0 7 0 5 0 1 0 5 г ~ 0 5 0 9~ ~ 0 7 0 2 0 3 0 2 0 5 ~ 0 9~ 0 7 0 2~ 0 1~ 0 2 0 5 0 3 0 9 0 2 0 2 0 0 0 5 г ~ 0 0 г ~ 0 6 0 4 0 1~ 0 1 0 7 0 7 0 2 6 4 0 0~ 0 9 0 2~ 0 5 0 7 0 2 0 4 0 3 0 5 0 2 0 7 0 0 0 2 0 5 0 5 г ~ 0 9 0 2 0 2~ 0 5 г 0 5 ~ 0 6 6 4 ~ 0 9 0 2 0 5 0 7 K Stabilt resultat f 0 2r sista kvartalet av ett volatilt 0 2r c г pb_w 0 5 0 5 0 7 0 1~ 0 6 0 5 0 1 ~ 0 5 0 7 0 5 6 4 0 7 0 0 0 7 0 5 0 7 0 5 ~ 0 2 0 1 0 7 0 5 0 1 ~ 0 5 г 0 5 0 7 0 5 0 3 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 I 0 4 0 3 0 5 0 7 0 2 0 7 0 6 0 5 0 5 г 0 6 6 4 0 2 0 7 0 5~~ 0 5 0 5 0 3 0 5 0 0 0 9 0 4 0 3 0 5 0 5 ~ 0 9~ 0 9 0 2 0 5 0 7 0 1~ 0 4 0 2 0 7 Kh 0 6~ ~ 0 1 0 7 0 5 0 7 0 5 0 1 ~ 0 5 г 0 7 0 9~ ~ 0 1 0 6 0 2 0 5 0 7 0 4 0 3 0 5 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 6 4PIT 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 0 2 0 7 0 5 0 7 ~ 0 7 0 5 0 1 ~ 0 7 0 5 г 0 5 0 7 0 1 6 4 0 7 0 0 6 4 0 1 0 1NRIU 0 0 0 1 ~ 0 5 0 7 I 0 2 6 4 0 0 0 4 0 5 г 0 0 0 7 0 3 0 2 0 5 г ~ 6 4 0 7 Ka 0 7 0 2 0 4 0 5 0 6~ 0 6 0 7 0 3 0 9 0 1 0 2 0 0 0 7 0 2~ 0 6 0 4 0 6 0 5 0 4 0 2 0 5 0 2 0 7 0 4 0 4 0 3 0 5 0 2 0 3 0 9 0 7 0 2~ 0 5 6 4 0 2 0 1 0 6 0 5 г 0 5 0 3 0 9 0 2 0 0 0 5 0 4 0 0 6 4 0 5 0 7 0 0 0 4 0 5 0 7~ 0 5 0 7 0 5 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 5 0 7 0 5 0 1 ~ г 0 6 0 7 0 3 0 5 0 5~ 0 5 0 7 0 5 0 7 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 X 0 5 0 7 ~ 0 4 0 5 0 7 0 1 0 3 0 0 0 7 0 3 0 2 0 7 0 2 0 7 0 4K p 0 4 ~ 0 5 0 7 0 1~ ~ 0 6pb_ 0 6 0 7 0 3 0 9 0 1~ 0 5 0 7 0 5 0 0 0 3 0 9 0 7 0 2 ~ 0 2 0 5 0 7 OMMV 0 5 0 3 p 0 4 ~ 0 5 г 0 7 ~ 0 0Cf 0 2 0 5 0 4 0 2 0 7 0 4 0 3 0 5i 0 6 ~ 0 4 0 7 ~ 0 5 0 7 0 5 0 7 0 2 0 3 0 5 ~ 0 7 0 5 0 1 ~ 0 7 0 5 0 1 0 1 0 5K 0 4 0 6 0 7 0 2 0 5 0 7 0 2 0 5 0 6 0 7 0 2 0 5 0 9~h 0 4 0 2 0 4 0 5 г 0 7 0 1 0 5 0 7 0 2 0 5~ 0 5 0 7 0 7 0 2 0 2 ~ 0 6 0 7 0 3 0 9 0 1 0 2 0 0 0 0 0 7 0 5 г 0 9~ 0 5 0 7 0 1 6 4 0 2 0 2 0 0 0 5 0 6 0 4 0 1 0 0 0 7 I 0 2 ~ 0 0 0 2 0 5 0 7 0 4 0 3 0 5 0 0 0 7 0 5 0 7 0 1 0 5 0 4 ~ 0 5 г 0 7 ~ 0 0 0 5 0 9 0 2 0 5 0 7 0 5~ 0 0 0 7 0 9 0 4 0 5J 0 6 0 4 0 1 0 0 0 7 0 9 0 4 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 0 7 0 2Kfq 0 5 0 9 0 1~ 0 2 0 5 0 0 6 4 0 5 0 4 0 5 г 0 7 ~ 0 0 0 5J 0 5 0 7 0 1 0 7 0 2 0 5 0 4 0 5~ 0 5 ~ 0 9 0 0 0 7 0 5~ 0 2 0 0~ 0 2 0 2 0 0~ 0 2~ 0 5 0 4 J 0 5 0 3 0 7 0 5 г 0 9 0 4 0 2 0 4 0 5 г 0 7 0 1 0 5 0 7 0 2Ka 0 7 0 2 0 2~ 0 1 0 5 0 9~ 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 0 7 0 2 0 5 0 3 0 0 0 0~ 0 5 0 7 0 5~ 0 6 0 0 0 4 0 4 0 5 0 7 0 1 0 1 0 2 0 7 0 5 0 5 0 9 0 6 0 2 0 2 0 0 0 4 0 3 0 5 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ K Ett b 0 1ttre grepp om den baltiska utvecklingen s 0 3 0 2 0 0 0 7 0 5 0 3 0 9 ~ 6 4~ 0 5 0 7 0 0~ 0 9 0 4 0 7 0 9 0 4 0 2 0 4 0 0 0 5 0 9~ 0 1 0 3 0 0 0 7 0 5 0 7 0 2~ 0 1 0 5 0 9~ 0 1 0 3 0 2 0 5 0 7 0 2~ 0 5~ 0 5 ~ 0 2 0 1 0 5 0 7 ~ 0 5Kf 0 2 0 5 0 1 г 0 5 0 7 ~ 0 6 0 2 ~ 0 4 0 7 0 0 0 1 0 7 ~ 0 5 0 7 0 1 6 4 0 2 0 5 0 7 0 7 0 2~ 0 1 0 5 0 9~ 0 1 0 3 0 2 0 5 0 7 0 2~ 0 5~ 0 2 0 3 ~ 0 6 0 5 ~ 0 2 0 2~ 0 2 0 5 0 7 ~ 0 2 0 5 ~ 0 5~ 0 1 0 6 6 4 0 7 I 0 6 0 1 0 9 0 7 0 0 0 7 0 6 0 5 0 5~ 0 2 0 5 0 7 0 2~ 0 1 0 6 0 3 0 9 0 7 0 2~ 0 6 0 4 0 2 0 1 0 7 0 0 0 1 6 4 0 2 0 5~ 0 9 ~ ~ 0 6 0 2 0 5 0 7 OMNMKa 0 7 0 5 0 5 0 4 0 0 0 5~ 0 6 0 0 0 7 0 2 0 4 0 0 0 5 г 0 7 0 2 0 5 ~ 0 2~ 0 1 0 5~ 0 6 0 5~ 0 0 0 1 0 0~ 0 9 0 7 0 5 0 7 Ks 0 5 0 0 6 4 0 2 0 0 0 7 0 2~ 0 6 6 4 0 7 0 5~ 0 5 0 7 0 6 0 6 0 3 0 5 0 7 ~ UM 0 4 0 3 0 7 0 2 ~ 0 6~ 0 1 0 1~ 0 9 0 4 0 0 0 0 0 7 0 5 0 7 0 1 0 1~ 0 5~ 0 5 0 0 0 5 0 7 0 7 0 4 0 3 0 5 0 7 0 0 0 2~ 0 5 0 7 0 0 _~ 0 1 0 9 0 0K s 0 3 0 5 0 7 0 2 0 0~ 0 2~ 0 5 0 7 0 0 0 1~ 0 5 0 7 0 1 6 4 0 2 0 0 0 5 0 9 0 0~ 6 4 0 7 0 6 0 2 0 2 0 2 0 0 0 5 0 6 0 3 0 5 0 7 0 2 0 1 0 1 0 6 0 1 0 9~pb_ 0 3 0 6 0 1 0 1 0 0~ 0 5 г 0 6 0 3 0 6~ 0 5 0 7 0 5 0 5~ 0 5~ 0 5 0 0 0 5 0 7 0 7 0 1 0 1 0 5 0 7 0 5 0 3 0 5 0 9 0 1 0 5~ 0 5~ 0 5 0 0 0 5 0 7 0 5 0 2 0 4 0 1~ 0 0 0 7 0 2K c г 0 1 ~ 0 9 0 1 0 0 0 7 0 2 0 5 г 0 6 0 3 0 2 ~ 0 5~ 0 6 0 5 0 3 0 2 0 2 0 0~ 0 2~ 0 5 г 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 0 0 0 2 0 5 0 9~ 0 2 0 5 0 7 OMNMI 0 5 г 0 5~ ~ 0 5 0 7 0 2 0 0~ 0 9 0 4 0 7 0 9 0 4 0 2 0 4 0 0 0 5 0 9~ 0 6 0 7 0 3 0 9 0 1 0 2 0 0 0 7 0 2 0 2 0 7 0 5 г 0 5 0 3 0 0 ~ 0 5K F 0 2ljder av ny reglering a 0 7 0 9 0 3 0 2 0 2 0 5 0 5 0 4 0 0 0 4 0 0 0 6 0 2 0 3 0 5 ~ 0 2 0 5~ 0 0 0 1 0 0 0 7 0 2 0 5 6 4 0 5 0 7 0 2 ~ 0 5 г 0 5 0 1~ 0 0 0 4 0 0 0 1~ 0 0 0 5 0 5 0 2 0 2 0 0 0 7 0 1 0 1 0 7 0 7 0 0 0 7 0 1 0 6 0 7 0 9Ka 0 3 0 5 г 0 6 0 1 0 1 ~ 0 0 6 4 0 7 0 0 0 7 0 2 0 2 0 7 0 4 0 2~ 0 2 0 7 0 5 0 4 0 6 0 7 ~ 0 6 0 7 0 5~ 0 0 0 4 0 2 0 5 0 7 ~ 0 0 0 1 0 4 0 2~ 0 1 0 7 0 0 0 7 0 1 0 6 0 7 0 9K_fpI_~ 0 2 0 9 0 5 0 4 f 0 2 0 7 0 2~ 0 4 0 2~ 0 1p 0 7 0 1 0 7 0 0 0 7 0 2 0 5I 0 5 г 0 7 0 5 0 1 6 4 0 5~ 0 7 0 2 0 0~ ~ 0 6 0 5 0 7 0 2 0 7 0 2~ 0 4 0 2 0 7 0 1 0 1~ 0 9~ ~ 0 1 0 7 0 0 0 1 0 7 0 2~ 0 5 0 4 0 0I 0 4 0 0 0 5 0 7 0 0 0 1 0 7 0 0 0 7 0 2 0 7 ~ 0 5I 0 5 6 4 0 1 6 4 0 2 0 0 0 0 6 4 0 7 0 2 0 5 0 7 0 9 0 4 0 2 0 5 0 7 0 9 0 6 0 7 0 2 0 5 0 7 0 5 г 0 9~ ~ 0 1 0 3 0 3 0 9 0 2 0 2 0 0 0 7 0 2 0 2~ 0 2 0 9 0 5 0 7 0 9 0 4 0 2Kq 0 4 0 5 0 5 0 7 0 5 0 5~ 0 5 г 0 3 0 2 0 5 0 2 0 0~ ~ 0 2 0 5 0 7 0 6 ~ pb_w 0 5 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1~ 0 5 ~ 0 4 0 2 0 3 0 2 0 7 0 0 0 0~ 0 2 0 5 0 7K R 0 2rliga ers 0 1ttningar b 0 5 0 3 0 2 0 2 0 0~ 0 3 0 7 ~ 0 2 0 2~ 0 4 0 0 6 4 0 5 0 7 0 5 0 3 0 7 0 0 0 7 0 1 0 6 0 7 0 9 0 7 0 0 6 4 0 5 0 7 0 6~ ~ 0 9 0 4 0 2 0 9 0 7 0 2 0 5 0 2 0 7 ~ 0 1 Km 6 4pb_ 0 3 0 6 0 5~ 0 5 г 0 6 0 7 0 0~ 0 5 0 7 0 4 0 0 ~ 0 7 0 2 0 0 0 9~ 0 6 г 0 1 0 0~ 0 4 0 3 0 5 0 5~ 0 5 ~ 0 7 0 5 0 3 0 2 0 2 0 0~ 0 5 0 9~ ~ 0 7 0 1 6 4 0 2 0 0 0 5 0 9 0 0 0 6 0 3 0 5 0 7 0 5 г 0 2 6 4 0 5 0 7 0 9 0 2 0 5 0 7 0 4 0 3 0 5~ 0 9 0 7 0 3 0 0~ 0 7Kf 0 5~ 0 0 0 2~ 0 2 0 5 0 0 0 7 0 5~ 0 2 0 7 0 5 0 1 0 4 0 0 0 5 0 7 г 0 1 0 0~ 0 7 0 5 0 3 0 2 0 2 0 0~ 0 2~ 0 5 0 9 0 1 0 1 0 7 0 5 0 3 ~ 0 5 0 5 г OMMV 0 6~ 0 5 0 7 0 5 0 1 0 7 ~ 0 5 0 6 6 4 ~~ 0 6 0 6 0 3 0 0 0 2 0 2 0 0~ 0 5 0 4 0 0 0 0 6 4 0 5 0 7 0 0 г ~ 0 5Ko 0 7 0 9 0 4 0 5 0 7 0 5 0 1 ~ 0 6 0 5 0 5~ 0 5 0 7 0 1~ ~ 0 6 0 2~ 0 2 0 9 0 7 0 2 0 5 0 4 0 5 0 0 0 4 0 5~ 0 5 0 1 0 1 0 7 0 9 0 7 0 0 0 5 0 6~ 0 0 0 7 0 5 0 1 ~ ~ 0 2 0 5 ~Kp~ 0 0 0 5 0 0 0 0 6 4 0 5 0 7 0 5 г 0 4 0 7 0 2 0 5 0 7 0 5 6 4 0 2 0 9 0 2 0 5 0 7 I~ 0 9 0 7 0 3 0 0~ 0 7I 0 0 0 7 0 5~ 0 2 0 7 ~ 0 7 0 4 0 3 0 5 0 5~ 0 0 0 5 0 3 0 1 0 1 0 7 0 5 0 4 0 2 0 7 0 5 6 4 0 1 0 1~ 0 5Ke 0 3 0 2 0 5 0 2 0 0 6 4 0 5 0 7 0 4 0 3 0 9 0 5 6 4 ~ 0 5 0 1 0 1 pb_w 0 5 0 2 0 4 0 5 0 5 0 9~ 0 4 0 3 0 5 0 0 0 1 0 4 0 2~ 0 1~ 0 9 0 4 0 2 0 9 0 7 0 2 0 7 0 5~ 0 0 0 7 ~ 0 2 0 5 0 7Ka 0 7 0 5 0 5~ ~ 0 6 0 6 0 3 0 0 0 2 0 2 0 0~ 0 1 0 1 0 5~ 0 0 0 0~ 0 2 0 5 0 0 0 7 0 5 0 5 0 7 0 1 0 3 0 0 0 7 0 7 0 5 0 1 ~ 0 7 0 5 г 0 5 0 7 0 1~ 0 2~ 0 2 0 9 0 7 0 2 0 0 0 7 0 5 0 5 г 0 5 0 7~ 0 6 0 2 0 7 0 5 0 1 ~ 0 5 0 7 0 5 0 3 0 2 0 9~ 0 5 0 7 0 2 0 9 0 4 0 5 0 5 0 0~ г 0 1 0 0~ 0 7 0 5 0 3 0 2 0 2 0 0 0 7 0 2 0 0 0 7 0 5 0 6 6 4 0 7 0 5 0 7 0 5 0 7 0 1~ 0 1 0 1R 0 4 0 3 0 7 0 2 ~ 0 6 0 7 0 5 0 4 0 2~ 0 1 0 9 0 4 0 5 0 2~ 0 5 0 7 0 2K Redo att v 0 1xa fr 0 2n en styrkeposition j 0 7 0 5 0 7 0 5~ 0 7 0 2 0 5 0 7 0 7 0 2 0 5 6 4 0 2 0 5 0 0~ 0 7 0 9 0 4 0 2 0 2 0 9 0 3 0 9 0 1 0 7 0 0 0 0 0 7 0 2 0 6 0 7 0 6 ~ 0 2 0 3 0 3 0 5 0 2 0 9 ~ 0 2 0 6 0 7 0 5 0 7 ~ 0 5 ~ 0 0 0 5~ 0 1 0 1 0 6 0 3 0 9 K s 0 5 0 4 0 5 0 3 0 7 0 5 0 4 0 3 0 9~ 0 7 0 5 0 7 0 6 0 7 ~ 0 5 г 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 _~ 0 1 0 9 0 0 0 2 0 5 0 7 OMNMKa 6 4 0 6 0 5~ 0 0 0 5 0 0 ~ 0 9 0 4 0 5 0 2~ 0 5 0 7 0 5 г 0 6 6 4 ~ 0 2 0 6 0 7 0 5 0 7 0 2 0 0~ 0 9 0 4 0 0 0 0 0 7 0 5 0 7 0 9 0 4 0 5 0 9 0 0 ~ 0 5 0 3 0 0 ~ 0 2~ 0 2 0 9 0 7 0 2 0 5 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1~ 0 6 0 7 0 3 0 9 0 1 0 2 0 0K s 0 3 г 0 6 0 7 0 0~ 0 5 0 7 0 4 0 0~ pb_ 0 3 0 3 0 4 0 5 0 4 0 2 0 7 ~ 0 5 г 0 1 6 4 0 2 0 0 0 5 0 9 0 0 0 1 0 1 0 6 0 3 0 9 Kj 0 7 0 5 0 5 0 7 0 2 0 5 0 1 0 7 0 9 0 2 0 1 0 7 0 5 0 4 0 0 0 6 6 4 0 5 ~ 0 9~ 0 2~ 0 1~ 0 2 0 5 0 3 0 9 0 2 0 2 0 0 0 0 0 7 0 4 0 5 0 5 0 9~ 0 2 0 6 0 2 ~ 0 5 0 7 0 0 г 0 1 0 0 0 5 0 7 0 7 0 5 0 4 0 0 0 0 0 7 0 5 0 4 0 3 0 5 0 7 0 1 0 0~ 0 7 0 5 г 0 5 0 3 0 9~ 0 6 6 4 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 0 0 0 7 0 5 0 5 0 4 0 9 0 5 6 4 p 0 4 ~ 0 5 г 0 7 ~ 0 0Cf 0 2 0 5 0 4 0 2 0 7 k 0 4 0 5 0 7 0 2 0 4 0 3 0 5q 0 5 0 9 0 1~ 0 2 0 5K O
1 3Koncernen Fj 0 1rde kvartalet isolerat pb_w 0 5 г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 5 г 0 7 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 0 5 г 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 0 5 г 0 5 0 3 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 0 0 3 0 9 0 1 0 1PTQUj 0 9 ERTPMFKg 0 5 0 7 ~ 0 5 г 0 9~ ~ 0 1 0 6 0 2 0 5 0 7 0 4 0 3 0 5 0 7 0 9 0 4 0 2 0 5 0 9 0 4 0 2 0 5 0 9 0 4 0 5 0 2~ 0 5 0 7 0 0 0 2 0 5 0 9~ 0 5 0 7 0 7 0 5 0 1 ~ 0 7 0 5 г 0 7 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 0 0 0 7 0 5PT 0 4 0 3 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5 0 0 0 4 0 5 0 6~ ~ 0 2 0 5 0 7 0 9 0 6~ ~ 0 1OMMU 0 4 0 3 0 5 0 0 0 7 0 5T 0 4 0 3 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 0 9 0 6~ ~ 0 1K Operativ resultatr 0 1kning Kv4 Kv3 Kv4 % % Int 0 1kter 9 604 9 735-1 11 915-19 Kostnader -6 126-6 015 2-6 365-6 Resultat f 0 2re reserveringar 3 478 3 720-7 5 550-37 Netto materiella/immateriella tillg 0 2ngar - 24 3 1 Kreditf 0 2rluster netto -3 160-3 335-5 -1 703 86 Resultat f 0 2r p 0 2g 0 2ende verksamhet 294 388-24 3 848-92 Kapitalvinster 270 780-65 Omstruktureringskostnader - 600 R 0 2relseresultat 564 388 45 4 028-86 o г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 7 0 0 0 3 0 9 0 1 0 1RSQj 0 9 EQMOUFKg 0 5 0 7 ~ 0 5 г 0 9~ ~ 0 1 0 6 0 2 0 5 0 7 0 4 0 3 0 5 0 4 0 0 0 5 0 9 0 7 0 2 0 0 0 5 0 9 0 4 0 5 0 2~ 0 5 0 7 0 0 0 2 0 5 0 9~ 0 5 0 7 г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 7 0 0 0 7 0 5VO 0 4 0 3 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5 0 0 0 4 0 5 0 6~ ~ 0 2 0 5 0 7 0 9 0 6~ ~ 0 1OMMU 0 4 0 3 0 5 0 0 0 7 0 5OQ 0 4 0 3 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 0 9 0 6~ ~ 0 1Ks~ 0 1 ~ 0 4 0 0 0 3 0 9 0 2 0 2 0 0 0 5 0 7 0 5 0 5 0 7 0 9 0 7 0 2~ 0 6~ 0 5 г 0 5 0 0 0 2~ ~ 0 0 0 7 0 1 0 1~ 0 2 0 9 0 6~ ~ 0 1 0 7 0 2K k 0 7 0 4 0 7 0 5 0 1 ~ 0 7 E 0 7 0 5 0 7 0 5 0 9~ F 0 0 0 3 0 9 0 1 0 1OUQj 0 9 EPRMTFK Int 0 1kter f 0 2 0 3 0 9 0 7 0 2~ 0 0 0 3 0 9 0 1 0 1VUTQj 0 9 ENOSVRFKg 0 5 0 7 ~ 0 5 г 0 9~ ~ 0 1 0 6 0 2 0 5 0 7 0 0 0 2 0 5 0 9~ 0 5 0 7 0 2 0 3 0 9 0 7 0 2~ 0 0 0 7 0 5NV 0 4 0 3 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5 0 0 0 4 0 5 0 6~ ~ 0 2 0 5 0 7 0 9 0 6~ ~ 0 1OMMU 0 4 0 3 0 5 0 0 0 7 0 5N 0 4 0 3 0 7 0 2 0 5 6 4 0 2 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 0 9 0 6~ ~ 0 1K o 0 3 0 2 0 7 0 2 0 7 0 4 0 0 0 3 0 9 0 1 0 1PSVTj 0 9 ERRNPFI 0 6 0 1 0 9 0 7 0 6~ PP 0 4 0 3 0 7 0 2 0 1 0 3 0 0 0 7 0 3 0 2 0 2 0 5 0 7 0 0 0 4 0 5 0 6~ ~ 0 2 0 5 0 7 0 9 0 6~ ~ 0 1 0 5 0 4 0 1 0 4 0 3 0 5 UOOj 0 9 0 7 0 1 0 1 0 7 NU 0 4 0 3 0 7 0 2 0 1 0 3 0 0 0 7 0 3 0 2 0 2 0 5 0 7 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 0 9 0 6~ ~ 0 1K a 0 7 0 9 0 2 0 5 0 5 0 6 0 2~ 0 3 0 2 0 7 0 2 0 7 0 4 0 0 0 2 0 5 0 9~ 0 5 0 7 0 0 0 7 0 5RMVj 0 9 6 4 0 4 0 1 0 6 0 0 6 4 0 2~ 0 5 0 7 0 5 0 2~ 0 5 0 5 0 4 0 3 0 5 0 0 0 7 0 5NQVj 0 9 0 5 6 4 0 2 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 0 9 0 6~ ~ 0 1I 0 5 0 3 0 0 0 5 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 5 0 2 0 9~ 0 2 0 5 0 7 0 2 0 1 6 4 0 2 0 2 0 0 0 5 0 0~ 0 0 0 2~ 0 1 0 7 K o 0 3 0 2 0 7 0 2 0 7 0 4 0 5 6 4 0 2 г 0 6 0 0~~ 0 9 0 6 0 7 0 7 0 7 0 5 0 6 0 5 0 5~ 0 9 0 1 0 0 0 7 0 2 0 4 0 2 0 1 0 0~ 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0 5 0 5 0 9 0 6 0 2 0 2 0 0~ I 0 9~ ~ 0 1 0 6 0 2 0 5 0 7 0 4 0 3 0 5 0 7 0 9 0 4 0 2 0 5 0 9 0 4 0 2 0 5 0 9 0 4 0 5 0 2~ 0 5 0 7 г 0 9~ 0 5 0 7 0 7 0 5 0 1 ~ 0 7 0 5 г 0 7 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 0 0 0 7 0 5NN 0 4 0 3 0 7 0 2 0 1 0 1NTONRj 0 9 K Operativ resultatr 0 1kning % Int 0 1kter 42 643 40 325 6 Kostnader -25 428-24 808 3 Resultat f 0 2re reserveringar 17 215 15 517 11 Netto materiella/immateriella tillg 0 2ngar 4 5-20 Kreditf 0 2rluster netto -12 448-3 231 Resultat f 0 2r p 0 2g 0 2ende verksamhet 4 771 12 291-61 Kapitalvinster 1 570 780 101 Nedskrivning av goodwill* -2 969 Kostnad f 0 2r restrukturering - 600 R 0 2relseresultat 3 372 12 471-73 * Inkluderar valuta effekter p 0 2 det ursprungliga beloppet 2 988 o г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 7 0 0 0 2 0 5 0 9~ 0 5 0 7 0 1 0 1PPTOj 0 9 ENOQTNFI 0 1 0 1 0 5 0 4 0 5 0 7 0 1 0 2 0 7 0 4 0 7 0 2 0 5 0 7 6 4 0 9 0 7 0 5 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ Ks~ 0 1 ~ 0 4 0 0 0 3 0 9 0 2 0 2 0 0 0 5J 0 7 0 5 0 5 0 7 0 9 0 7 0 2 0 6~ JORSj 0 9 K k 0 7 0 4 0 7 0 5 0 1 ~ 0 7 E 0 7 0 5 0 7 0 5 0 9~ F 0 5 г 0 2 0 9 0 1 0 1NNTUj 0 9 ENMMRMFK Int 0 1kter f 0 2 0 3 0 9 0 7 0 2~ г 0 9~ 0 5 0 7 0 0 0 7 0 5U 0 4 0 3 0 7 0 2 0 1 0 1QQONPj 0 9 EQNNMQFI 0 2 0 9 0 1 0 5 0 6 0 7 0 7 0 2 0 4 0 5 0 6 0 6~ 0 1 ~ 0 4 0 0 0 3 0 9 0 2 0 2 0 0 0 5 0 7 0 5 0 5 0 7 0 9 6 4 NIS 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 Kb 0 9 0 9 0 1 0 5 0 6 0 7 0 6~ 0 1 ~ 0 7 0 5 0 5 0 7 0 9 0 7 0 2 0 4 0 3 0 5 0 5 0 7 ~ 0 3 0 6 0 7 0 2 0 5 г 0 9~ ~ 0 1 0 6 0 2 0 5 0 7 0 5 0 7 0 0 0 2 0 3 0 9 0 7 0 2~ 0 0 0 7 0 5O 0 4 0 3 0 7 0 2 K f 0 2 0 3 0 9 0 7 0 2~ 0 2 0 9 0 1 0 5 0 7 ~ 0 2 0 7 0 0~ 0 6~ 0 7 0 5 0 5 0 7 0 9 0 7 6 4NIR 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 0 7 0 1~ 0 7 ~ 0 5 0 7 0 1 0 1 0 2 0 7 0 5 0 1 ~ 0 5 0 3 0 9~ 0 2~ 0 1~ 0 2 0 5 0 3 0 9 0 2 0 2 0 0 0 7 0 2I 0 5 0 3 0 0 0 5 0 5 0 4 0 0~ 0 6 0 7 0 2 0 5 г 0 1 0 3 0 2 0 0 0 5 0 1 г 0 5 0 4 0 3 0 5 0 0 0 2 0 5 0 9~ 0 5 0 7 0 2 0 2 0 7 0 5~ 0 6 0 4 0 2 0 1 0 0~ 0 4 0 2 0 5 0 4 0 5 г 0 1 0 7 0 2K o 0 3 0 2 0 7 0 2 0 7 0 4 г 0 9~ 0 5 0 7 0 0 0 7 0 5TUMj 0 9 0 7 0 1 0 1 0 7 Q 0 4 0 3 0 7 0 2 0 1 0 1 NVQVMj 0 9 ENUTNMFKa 0 7 0 9 0 2 0 5 0 5 0 6 0 2~ 0 3 0 2 0 7 0 2 0 7 0 4 0 5 0 7 0 0 0 0 0 7 0 5 PNRj 0 9 Kk 0 7 0 4 0 0~ 0 0 0 2~ 0 1 0 7 0 2 0 6~ 0 2 0 7 0 0~ 0 6ISNOj 0 9 I 0 1 0 1 0 5 г 0 1 0 5 ~ 0 6 0 5 0 7 0 9 ~ 0 5 0 0 0 5 0 3 0 2 0 9 ~ 0 3 0 2 0 4 0 2~ 0 5 6 4 0 6 0 7 0 9~ 0 2 6 4 0 2 0 1 6 4 0 2 0 2 0 0 0 5J 0 0~ 0 0 0 2~ 0 1 0 7 0 2Ka 0 7 0 2 0 0 0 7 0 2 0 4 0 0 0 5 0 2 0 1 0 0~ 0 2 0 1 6 4 0 2 0 2 0 0 0 5 0 6 0 4 0 1 0 0 0 7 0 2 г 0 9~ 0 5 0 7 0 0 0 7 0 5R 0 4 0 3 0 7 0 2 I 0 0 0 7 0 5~ 0 2 0 5 0 7 0 2 0 0 0 7 0 2 0 4 0 0 0 5 0 2 0 1 0 0~ 0 1 6 4 0 2 0 2 0 0 0 7 0 2 0 1 0 1 ~ 0 1 0 1 0 0 0 3 0 2 0 5 0 7 0 7 0 2 0 6~ U 0 4 0 3 0 7 0 2 0 5 г 0 0 0 7 0 3 0 2 0 2 0 5 0 7 OMMUI 0 6 0 1 0 9 0 7 0 5~ 0 0 0 0~ 0 2 ~ 0 0 0 7 0 2 0 5 0 4 0 0 0 0 0 7 0 5VOUj 0 9 0 1 0 1 0 3 0 2 0 7 0 2 0 7 0 4 K r 0 2 0 5 0 7 OMMV 0 5 г 0 2 0 9 0 5 0 7 0 9 0 4 0 5 0 5 0 0~ 0 5 0 2~ 0 2 0 5 0 7 0 2 0 0 0 5 0 3 0 2 0 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1 0 7 0 5 0 5 0 4 0 2 0 5 0 7 0 2K m 0 4 0 6 0 5 0 4 0 2 0 5 0 2 0 7 0 4 0 0 0 2 0 5 0 9~ 0 5 0 7 0 0 0 7 0 5R 0 4 0 3 0 7 0 2 0 1 0 1NQQSMj 0 9 ENRORQFI 0 3 0 6 0 7 0 2 0 4 0 0 0 2 0 3 0 9 0 7 0 2~ г 0 9~ 0 5 0 7 0 9 0 6~ ~ 0 1 0 5 г 0 9 0 6~ ~ 0 1K j 0 2 0 5 0 9 0 2 0 2 0 0 0 7 0 2 0 2 0 7 0 4 0 5 0 5 0 7 6 4 0 1 0 3 0 0 0 7 0 2 0 3 0 9 0 7 0 5 6 4 0 2~ 0 9 0 7 0 5~ 0 2 0 5 0 7 0 1 0 4 0 3 0 5 0 5 0 7 6 4 0 5 г 0 6~ 0 2 0 0 0 1 0 9 0 5 0 4 0 0 0 5 6 4 0 2 0 7 0 5 ~ 0 4 0 2 0 5 0 2~ 0 5 0 7 ~ 0 5 0 7 ~ 0 6 0 4 0 5 0 7 0 2 0 2 0 4 0 0 0 9~ ~ 0 1 0 5 г 0 6~ 0 1 0 2 0 2 0 0 0 7 0 2I 0 2 0 9 0 1 0 5 0 6 0 7 0 5 0 7 0 2 0 5 0 0~ 0 7 0 2 0 3 0 0 0 2 0 5~~ 0 6 0 5 0 3 0 2 0 2 0 0 0 7 0 2 6 4NURj 0 9 0 5 г 0 7 0 5 0 3 0 2 0 2 0 0 0 1 0 1 0 5 0 4 0 2 0 5 0 2 0 2 0 7 0 5~ 0 6~ 0 7Km 0 4 0 6 0 5 0 4 0 2 0 5 0 2 0 3 0 9 0 7 0 5 6 4 0 2 0 2 0 7 ~ 0 1 0 2 0 2 0 0~ I 0 9 0 4 0 4 0 3 0 5~ 0 2 0 5 ~ 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 0 7 0 5 0 4 0 0 0 2 0 7 0 3 0 7 0 1~ 0 7 ~ 0 5 0 7 0 1 0 1 0 9~ ~ 0 1 0 0~ 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2 0 0 0 5 0 2 0 3 0 9 0 7 0 2 0 7 0 4 г 0 9~ 0 5 0 7 0 0 0 7 0 5NOOOj 0 9 0 7 0 1 0 1 0 7 RN 0 4 0 3 0 7 0 2 0 1 0 1PRVTj 0 9 EOPTRFKc г 0 2 0 3 0 2 0 0 0 7 0 2 0 2 0 7 0 4 0 5 0 5 0 7 0 1 0 1 0 1 0 9~ 0 5 0 7 0 1~ 6 4 6 4 0 7 0 6 0 2 0 2~ 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ ~ 0 5 0 4 0 2 0 7 0 1 0 1~ 0 4 0 5 г 0 1 0 7 0 4 0 3 0 5 г 0 9~ 0 5 0 7 0 0~ 0 9 0 2~ 0 5 0 5 0 6 0 3 0 5 0 7 0 2 6 4 0 5 0 4 0 2 0 5 0 5 г 0 5 0 3 0 9 0 2 0 0~ K b 0 2 0 5 г 0 1 0 0 0 2 0 7 0 5 0 9 0 6 0 2 0 2 0 0~ 0 6 0 5 0 6 0 5 0 4 0 2i 0 6 0 5 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 I 0 2 0 9 0 1 0 5 0 6 0 7 0 5 г 0 3 0 2 0 5 0 2 0 0 г 0 6 0 7 0 6 0 3 0 5 0 7 0 2I 0 7 0 5 0 4 0 6 0 5~ 0 5 0 6q 0 1 0 1 0 3 0 0 0 0 0 5 0 2 0 5 0 4 0 0~ 0 4 0 2 0 6 6 4 0 7 0 7 0 7K 0 5 0 7 0 2 0 0 0 4 K 0 3 0 4 0 0K 0 5 0 6 0 0~ 0 2 0 3 0 9 0 7 0 2 0 7 0 4 г 0 9~ 0 5 0 7 0 1 0 1ONUNj 0 9 ENTVRFKg 0 5 0 7 ~ 0 5 г 0 9~ ~ 0 1 0 6 0 2 0 5 0 7 0 7NIS 0 0 0 1 ~ 0 5 0 7 0 2 0 5 0 7 OMMV 0 4 0 3 0 5 MIU 0 0 0 1 ~ 0 5 0 7 OMMU 0 7 0 0 0 2 0 5 0 9~ 0 5 0 7 г 0 6 0 0~ 0 2 0 3 0 9 0 7 0 0 0 7 0 5QMRj 0 9 K Kostnader h 0 4 0 5 0 2~ 0 5 0 7 0 2~ 0 0 0 3 0 9 0 1 0 1OUPVTj 0 9 EORQMTFKb 0 9 0 9 0 1 0 5 0 6 0 7 0 0 0 4 0 4 0 5 0 7 0 1 0 1 0 2 0 7 0 5 0 5 0 9 0 6 0 2 0 2 0 0~ 6 4OVSVj 0 9 г 0 5 ~b 0 4 ~E 0 5 0 7 0 2 0 7 0 5~ 0 2F 0 4 0 3 0 5 0 4 0 0 0 5 0 9 0 7 0 2 0 0 0 5 0 9 0 4 0 5 0 2~ 0 5 0 7 г 0 9~ 0 5 0 7 0 9 0 4 0 5 0 2~ 0 5 0 7 0 2~ 0 0 0 7 0 5P 0 4 0 3 0 7 0 2 Kg 0 5 0 7 ~ 0 3 0 6 0 7 0 2 0 5 г 0 7 0 2 0 2 0 7 0 0~ 0 6 0 6~ 0 1 ~J Q
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0 9 ~ 0 9 0 4 0 5 0 9 0 0~ 0 7 0 5 0 3 0 2 0 2 0 0~ 0 4 0 3 0 5 0 1 0 3 0 0 0 7 0 9 0 4 0 5 0 2~ 0 5 0 7 0 5 г г 0 6 0 7 ~ 0 1 0 0 0 5 0 7 Km 0 7 0 2 0 5 0 4 0 2 0 5 0 9 0 4 0 5 0 2~ 0 5 0 7 0 2~ 0 0 0 7 0 3 0 2 0 5 г 0 5 0 2 0 2 0 1~ 0 5 0 7 0 5 0 1 0 1 NRQQj 0 9 ETPVF 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 5~ 0 1 0 1~ 0 2 0 5 0 7 0 1 0 1 0 0 6 4 0 2 0 0 0 5 0 6 0 3 0 5 0 7 0 2 0 4 0 3 0 5 0 3 0 2 0 5 ~ 0 5 0 7~ 0 9 ~ 0 7 0 1 0 1~~ 0 2 ~ 0 0~ 0 2 0 5 0 7 0 2 0 4 0 0 0 1 0 6 0 5 0 1 0 3 0 2 0 0 0 5K Personalkostnader Jan - dec % L 0 2ner 11 832 11 526 3 Kortsiktig ers 0 1ttning 795 2 180-64 L 0 2ngsiktig ers 0 1ttning 236-67 0 Pensionskostnader 1 544 739 109 Kostnad 0 2vertalighet 404 1 050-62 0 0vriga pers.kostnader 763 813-6 Totala pers.kostnader 15 574 16 241-4 h 0 4 0 5 0 2~ 0 5 0 7 0 2~ 0 5 г 0 5 0 7 0 9 0 4 0 5 0 9 0 0~ 0 7 0 5 0 3 0 2 0 2 0 0~ 0 2~ 0 0 0 2 0 5 0 9~ 0 5 0 7I 0 6 0 1 0 9 0 7 0 5 0 7 0 0 0 1~ 0 5 0 7 0 4 ~ 0 1 0 5 0 7 0 1 0 3 0 0 0 7 г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 7 0 5 г 0 9 0 4 0 2 0 3 0 7 0 2 0 7 0 2K Kortsiktig ers 0 1ttning Jan - dec % Kortsiktig ers 0 1ttning 624 1 879-67 Sociala avgifter 171 301-43 Total kortsiktig ers 0 1ttning 795 2 180-64 Andel av personalkostnader 5.1% 13,4% h 0 4 0 5 0 2~ 0 5 0 7 0 2~ 0 5 г 0 1 6 4 0 2 0 0 0 5 0 9 0 0~ 0 2 0 3 ~ 0 0 0 7 0 2 0 5 0 4 0 0 ~ 0 0 г 0 9~ 0 5 0 7 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 6 0 7 0 3 0 9 0 1 0 2 0 0 0 7 0 2 0 5 г 0 7 0 5 ~ 0 4 0 2 0 5 0 9 0 7 0 7 0 2~Ka 0 7 0 5 0 4 0 3 ~ 0 1~ ~ 0 6 0 0 0 5 0 7 0 2~ 0 5 0 7 0 0 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 5 0 7 0 2 0 9 ~ 0 5 0 0~~ 0 9 0 7 0 9 0 5J 0 5 г 0 2 0 3 0 2 0 0 0 7 0 2 0 2 0 5 0 7 OMMVK L 0 2ngsiktig ers 0 1ttning SEK m Jan - dec % L 0 2ngsiktig ers 0 1ttning 172 15 0 Sociala avgifter 64-82 -178 Total l 0 2ngsiktig ers 0 1ttning 236-67 0 Andel av personalkostnader 1,5% -0,4% SEB-aktiens kursutveckling 42% -63% ^ 0 2 ~ 0 1 0 7 ~ 0 2 0 5 0 3 0 1 0 1 0 5~ 0 0 0 7 0 5 0 7 0 1 ~ 0 1 0 5 г 0 2 0 9 0 0 0 7 0 5NMRU 0 1 0 1OMOPP EONOVNFKp 0 7 0 5~ 0 2 6 4 0 5 0 5 0 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EMIPMFKe 0 6 0 5 0 5 0 7 0 1 0 7 0 2INMSSRj 0 9 I 0 0 0 4 0 5 0 7 0 5~ 0 6 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 0 5 г 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 0 4 0 3 0 5NTUPj 0 9 0 5 г 0 9 0 4 0 2 0 5 ~ 0 7 ~ 0 5 0 7 0 5 г 0 1 0 5 0 7 K e г 0 0 0 7 0 0 0 6 0 5~ 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 0 5 г ~ 0 0 г ~ 0 5 г 0 5 0 3 0 0 0 2 0 0 0 7 0 2 0 5 0 7 0 2~ 0 1 0 5 0 9~ 0 7 0 9 0 4 0 2 0 4 0 0 0 7 0 2~ 0 1 0 7 0 5 0 5 0 7 0 1 0 1~ 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 0 2~ 0 5 г 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 0 7 0 0 0 4 0 2 0 7 0 2 г 0 9~ 0 5 0 7 0 1 0 1 VRTPj 0 9 ENTQVFKa 0 7 0 2 0 2 0 5 0 7 6 4 0 7 г 0 9~ 0 5 0 7 0 7 0 3 0 5 0 4 0 2 0 7 0 2 0 6~ 0 5 0 0 0 3 0 1 0 1 0 7 ~ 0 5 0 7 0 2 0 5 0 7 ~ 0 2 0 5 0 6 0 5 0 7 0 1 0 1 0 6 0 3 0 5 0 7 ~ 0 5 0 7 0 4 0 5 0 3 0 9 ~ 0 1 6 4 0 2 0 7 0 5 0 4 0 5 0 2 0 0~ 0 4 0 3 0 5 0 7 0 6 0 7 0 2 0 7 0 1 0 1~ 6 4 0 7 0 6 0 2 0 2 0 2 0 0~ 0 5 6 4 0 2 ~ 0 2 0 5 г 0 5 0 9 0 6 0 2~ 0 5 0 3 0 9 0 7 0 5 0 7 0 7 0 5~ 0 0 ~ 0 5 0 6 0 5 0 7 0 5 0 1 0 7 ~ ~ 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 0 2~ 0 0 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1 3Utsikter f 0 2r 2010 p 0 7 0 5~ 0 2 0 0 0 7 0 2~ 0 6OMMV 0 5~ 0 5 0 9 0 7 0 2~ 0 5 г 0 6 0 3 0 1 0 5 0 5 0 7 0 9 0 4 0 2 0 4 0 0 0 2 0 7 0 6 0 5 0 7 ~ 0 5 Kp~ 0 0 0 5 0 0 0 5~ 0 5 0 7 0 9 0 4 0 0 0 0 0 9 0 1~ ~ 0 5 0 0 0 2~ 0 1 0 7 0 4 0 0 0 7 0 2 6 4 0 7 0 5 0 3 0 0 0 2 0 2 0 0 6 4 0 5 0 7 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1~ 0 0~ 0 9 0 2~ 0 5 0 7 0 2~Kj 0 7 0 5~ 0 2 0 5 0 7 0 0 0 1 0 4 0 2~ 0 1~ 0 4 0 2~ 0 1~ 0 2 0 5 0 7 0 2~ 0 2 0 7 0 5 6 4 0 4 0 3 0 5 0 9~ 0 2 6 4 0 6 0 7 0 9~ 0 5 0 7 0 2 0 2 0 3 0 0~ 0 5 0 7 0 5 ~ 0 0 0 5 0 7 0 2 0 5 г 0 6 0 3 0 2 ~ 0 5 0 9 0 6~ 0 1 0 7 0 7 0 2 6 4pb_W 0 5 0 1 0 1 0 0 6 4 0 2 0 0~ 0 5 г 0 2 0 1 0 5 ~ 0 2 0 1 k 0 4 0 5 0 7 0 2 0 4 0 3 0 5q 0 5 0 9 0 1~ 0 2 0 5Ka 0 7 0 2~ 0 1 0 5 0 9~ 0 1 0 1 0 0 6 4 0 2 0 0~ 0 2~ 0 5 0 9 0 6~ 0 1 0 7 0 6 0 3 0 2 ~ 0 5 0 5 г 0 2 0 3 ~ 0 5 0 2 0 5 0 7 OMNME 0 5 0 7 0 5 0 5 NVJOMFK p 0 4 0 3 0 9 0 5 0 4 0 1 0 0 0 5 0 7 0 2NM 0 5 0 7 0 2 ~ OMNM ^ 0 2 0 2 0 9~c~ 0 1 0 9 0 7 0 2 0 0 0 7 0 2 s 0 7 0 9 0 5 0 3 0 1 0 1~ 0 2 0 5 0 7 0 5 0 7 0 9 г 0 4 0 3 0 5 0 9 0 4 0 2 0 3 0 7 0 2 0 3 0 5 0 7 0 5 s 0 7 0 9 0 5 0 3 0 1 0 1~ 0 2 0 5 0 7 0 5 0 7 0 9 г 0 7 0 2 0 5 г 0 5 0 3 0 9 ~ ~ 0 2 0 4 0 9 0 5 0 1 0 5 ~ 0 4 0 7 0 2 0 5 г OMMV 0 0 0 7 0 7 0 2 0 3 0 6 0 5~ 0 2 0 5 0 7 г 0 6 0 7 0 5 0 9 ~ 0 6 0 0 0 4 0 5 0 7 0 2 0 4 0 1~ 0 0 0 7 0 5 0 4 0 3 0 5 0 9 0 4 0 2 0 3 0 7 0 2 0 7 0 2 0 5 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 I 0 5 0 3 0 1 0 1 0 2 0 2 0 0 0 4 0 3 0 5 0 7 0 5 0 1 ~ 0 5~ 0 0 0 2 0 7 0 5 0 9 0 6 0 7 0 6 0 3 0 5 0 7 0 2 0 1 0 0~ 0 5 0 9 0 7 0 4 0 3 0 5 0 4 0 5 0 3 0 9 0 7 0 5 0 7 0 5 0 5~ 0 9 0 4 0 7 0 5 0 4 0 0 0 0 0 4 0 5 0 7 0 2 0 4 0 1~ 0 0 0 7 0 4 0 3 0 5 г 0 6 0 0~ 0 5 г 0 7 ~ 0 0 0 9 0 4 0 2 0 3 0 7 0 2 0 7 0 2 0 5 6 4 0 2 0 5 г K Mer detaljerad information finns tillg 0 1nglig p 0 2 www.sebgroup.se. Till 0 1ggsinformationen omfattar: ^ 0 7 0 2 0 5 0 9N a 0 6 0 5 0 4 0 2i 0 6 ^ 0 7 0 2 0 5 0 9O h 0 7 0 5 0 7 0 9 0 4 0 2 0 7 0 2 0 0 ^ 0 7 0 2 0 5 0 9P h~ ~ 0 1 0 3 0 3 0 9 0 2 0 2 0 0 ^ 0 7 0 2 0 5 0 9Q j~ 0 9 0 2~ 0 5 0 5 0 5 0 9 ^ 0 7 0 2 0 5 0 9R o 0 7 0 5 0 1 ~ 0 3 0 9 0 2 0 2 0 0~ 0 9 0 6~ ~ 0 1 0 5 0 6 0 5 J 0 7 0 5 0 6 0 5 0 4 0 2 0 4 0 3 0 5~ 0 5 0 5 0 3 0 5 0 4 0 0 6 4 0 5 0 7 ^ 0 7 0 2 0 5 0 9S o 0 7 0 5 0 1 ~ 0 3 0 9 0 2 0 2 0 0~ 0 9 0 6~ ~ 0 1 0 5 0 6 0 5 J 0 0 0 7 0 4 0 0 ~ 0 5 0 5 0 9 0 5 г 0 5 0 7 0 1 0 2 0 2 0 0 ^ 0 7 0 2 0 5 0 9T p 0 9~ 0 2 0 5 0 2~ 0 6 0 5 0 9~b 0 2 0 5 0 9 0 1 0 5~_~ 0 2 0 9 0 7 0 2 E 0 0 0 4 0 5 0 7 0 2 0 4 0 1~ 0 0 0 7 F 0 3tkomst till telefonkonferens och video web-cast q 0 7 0 1 0 7 0 5 0 4 0 2 0 9 0 4 0 2 0 5 0 7 0 7 0 2 0 5 0 7 0 2 0 5 0 4 0 0 0 3 0 0 0 7 0 0 0 9 0 1KNRKMM 0 5 0 7 0 2NM 0 5 0 7 0 2 ~ OMNMI 0 0 0 7 0 5 0 9 0 4 0 2 0 3 0 7 0 2 0 3 0 5 0 7 0 5^ 0 2 0 2 0 9~c~ 0 1 0 9 0 7 0 2 0 0 0 7 0 2 0 4 0 3 0 5 0 7 0 9 0 4 0 2 0 4 0 0 J 0 4 0 3 0 5 0 5 0 2~ 0 2 0 5 0 5 0 7 0 9 г g~ 0 2b 0 9_~ 0 3 0 9I 0 3 0 1 0 1 0 0 0 3 0 2 0 0 0 1 0 0 6 4 0 7 0 1 0 7 0 5 0 4 0 2 0 2 0 0 0 0 0 7 HQQEMFOMTNSOMMORI 0 9 0 4 0 2 0 5 0 7 0 7 0 2 0 5JfaURSMVUI 0 2 0 2 0 0 0 2 0 2 0 0 0 0 0 2 0 5 0 4 0 0 0 2 0 7 0 2 0 2~ 0 2K h 0 4 0 2 0 5 0 7 0 7 0 2 0 5 0 7 0 2 0 9 0 4 0 0 0 0 0 7 ~ 0 6~ ~ 0 1 0 1 0 0 0 3 0 2 0 0 0 1 0 0 6 4 0 7 0 7 0 7K 0 5 0 7 0 2 0 0 0 4 K 0 3 0 4 0 0LfoK Finansiell information under 2010 NM 0 5 0 7 0 2 ~ _ 0 4 0 9 0 5 0 1 0 5 0 9 0 4 0 0 0 0 0 2 0 9 OMMV NU 0 0~ 0 5 0 5 0 7 0 5 0 4 0 6 0 5 0 2 0 2 0 0 0 7 0 2 6 4 0 7 0 7 0 7K 0 5 0 7 0 2 0 0 0 4 K 0 5 0 7 OU~ 0 1 a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 0~ 0 5OMNM NN 0 0~ _ 0 4 0 1~ 0 0 0 5 0 5 0 3 0 0 0 0~ NP 0 1 a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMNM OU 0 4 0 9 0 4 0 2 0 7 a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 5 0 7 0 7 0 0 0 2 0 7 OMNM Ytterligare upplysningar l 0 1mnas av: g~ 0 2b 0 9_~ 0 3 0 9I 0 7 0 9 0 4 0 2 0 4 0 0 J 0 4 0 3 0 5 0 5 0 2~ 0 2 0 5 0 5 0 7 0 9 г I q 0 7 0 1WMUJOONVMM r 0 1 0 5d 0 2 0 2 0 7 0 5 гi 0 3 0 5 0 7 0 5f 0 2 0 6 0 7 0 5 0 4 o 0 7 0 1~ 0 4 0 2 0 5 q 0 7 0 1WMUJTSPURMNI 0 0 0 4 0 2 0 1MTMJTSPURMN ^ 0 2 0 2 0 9~e~ 0 1 0 1 0 5 0 2Ip 0 7 0 2 0 4 c 0 2~ 0 2 0 3 ~ 0 1f 0 2 0 5 0 4 0 0~ 0 4 0 2l 0 5 0 5 0 3 0 7 q 0 7 0 1WMUJTSPURSMI 0 0 0 4 0 2 0 1MTMJPTVMMSM s 0 6 0 7 0 9~e 0 5 0 0~ 0 2Jo 0 2 0 7 0 0I 0 9 0 4 0 0 0 0 0 2 0 9~ 0 4 0 2 0 5 0 5 0 7 0 9 г q 0 7 0 1KMUJTSPURTTI 0 0 0 4 0 2 0 1MTMJRRMPRMM p 0 9~ 0 2 0 5 0 2~ 0 6 0 5 0 9~b 0 2 0 5 0 9 0 1 0 5~_~ 0 2 0 9 0 7 0 2^_E 0 2 0 1F NMSQMp 0 4 0 3 0 9 0 5 0 4 0 1 0 0 q 0 7 0 1 0 7 0 5 0 4 0 2WMTTNJSONMMM 0 7 0 7 0 7K 0 5 0 7 0 2 0 0 0 4 K 0 3 0 4 0 0 l 0 0~ 0 2 0 5~ 0 4 0 2 0 5 0 2 0 0 0 0 0 7 WRMOMPOJVMUN U
1 3 Redovisningsprinciper _ 0 4 0 9 0 5 0 1 0 5 ~ 0 4 0 7 0 2 0 5~ 0 3 ~ 0 5 0 7 0 2 0 1 0 0 0 5 0 7 0 0 0 7 0 5 0 5 0 7 0 2 0 7 0 2~ 0 4 0 2 0 7 0 1 0 1~ 0 7 0 5 0 4 0 6 0 5 0 2 0 2 0 0 0 5 0 5 ~ 0 2 0 5~ 0 5 0 7 fcoplf^p 0 5 0 4 0 0 0 3 ~ 0 2 ~ 0 0 0 2~~ 0 6bdJ 0 9 0 4 0 0 0 0 0 5 0 5 0 4 0 2 0 7 0 2Ko~ 0 4 0 7 0 2 0 5 г 0 1 0 7 0 5 0 3 0 0 0 7 0 5 f^ppqj 0 7 0 0 0 1 0 7 0 2~ 0 5 г 0 9 0 6~ ~ 0 1 0 5 ~ 0 4 0 7 0 2 0 0Kb 0 2 0 1 0 0 0 5 0 7 0 2 0 5 0 6 0 7 0 2 0 5 0 9~c 0 2~ 0 2 0 5 0 2 0 5 0 7 0 9 0 4 0 2 0 7 0 2 0 5 0 7 0 5 0 4 0 6 0 5 0 2 0 2 0 0 0 5 0 2 0 7 0 5 0 3 0 0 0 0 0 7 0 1 0 5 0 7 0 9 0 3 0 6 0 5 0 6 0 5 0 5~ 0 7 0 1 0 0~ 0 7 0 1 0 5 0 2 0 2 0 0~ K 0 2ndringar i redovisningsprinciperna s 0 3 0 5 0 7 0 5 г 0 3 0 2 0 5 0 2 0 0 6 4 г 0 6 0 7 ~ 0 0 0 7 0 2 0 7 0 0 0 7 0 2 0 5 0 4 0 0 0 2 0 0 6 4 0 5 6 4 0 2 0 4 0 3 0 5 0 0 0 7 0 5 ~ 0 2 ~ OMMV 0 4 0 5 0 7 0 2 0 5 0 6 0 0~ 0 2 0 3 0 9 0 7 K f^pn?r 0 5 0 4 0 0 0 2 0 2 0 0 0 7 0 2~ 0 6 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1~ ~ 0 4 0 7 J 0 1 0 5 0 2 0 2 0 0~ 0 4 0 0 0 9~ ~ 0 1? 0 5~ 0 0 0 7 0 5 0 5 г ~ 0 7 0 2 0 1 0 1 0 9 0 4 0 0 0 0~ 0 2 0 5 0 7 ~ 0 2 0 7 0 1 0 1 0 5 г 0 5 0 6 0 0 0 4 ~ 0 1 0 7 0 5 0 1 ~ E 0 5 г 0 3 0 2 0 5 0 2 0 0~ 0 7 0 0 0 7 0 9~ ~ 0 1 г 0 6 0 7 ~ 0 2 0 5~ 0 9 0 4 0 2 0 7 0 0 0 7 0 5 0 3 0 0~ 0 2~F 0 1~ 0 0 0 5 0 1 0 1 0 5~ 0 0 0 3 0 2 0 5 0 2 0 0~ ~ 0 2 0 7 0 1 0 1 0 7 0 2c г 0 3 0 2 0 5 0 2 0 0~ 0 7 0 0 0 7 0 9~ ~ 0 1Kh 0 4 0 2 0 3 0 7 0 2 0 7 0 2 0 5~ 0 0 0 1 0 7 0 0 0 7 0 2 0 7 ~ fcopu?o г 0 7 0 1 0 5 0 7 0 5 0 7 0 0 0 0 0 7 0 2?Ka 0 7 0 2 0 2 ~ 0 5 ~ 0 2 0 5~ 0 5 0 7 0 2 0 9 0 3 0 6 0 7 ~ 0 5 0 7 0 0 0 0 0 7 0 2 0 5 0 2 0 5 0 4 0 0~ 0 4 0 2 0 7 0 2 0 7 0 5 0 7 0 2 0 7 ~ 0 5 0 5 6 4 0 2 0 1 0 7 0 5 0 2 0 2 0 0 0 7 0 2 0 5 0 7 0 5 0 7 0 9 0 6 0 4 0 3 0 5 6 4 0 5 0 7 0 5 0 3 0 5 0 4 0 0 0 5 0 7 0 2 ~ 0 2 0 6 0 3 0 2 0 5 0 5 0 5 0 7 0 2 0 2 0 7 0 2~ ~ 0 4 0 7 0 2 0 0 0 7 0 2Kf 0 2 0 5 г ~ 0 2 0 5 0 7 ~ 0 6fcopU 0 5~ 0 2 0 7 0 0 0 7 0 5 0 5 г 0 2 6 4 0 0 0 4 0 2 0 3 0 2 0 5 0 2 0 0~ 0 6 0 5 0 7 0 0 0 0 0 7 0 2 0 7 0 2Kf 0 2 0 5 г ~ 0 2 0 5 0 7 ~ 0 6 0 5 0 7 0 2 0 7 0 6 0 5 0 7 ~ 0 5 0 7 0 6 0 7 0 5 0 4 0 2 0 7 0 2~ 0 6f^pOP?i 6 4 0 2 0 7 0 9 0 4 0 5 0 2~ 0 5 0 7? 0 5~ 0 2 0 2 0 7 0 2 0 7 0 2 0 2 0 7 0 0 0 3 0 2 0 5~ 0 5 0 7 0 5 0 5 0 7 0 9 6 4 0 0 0 7 0 2. f г 0 6 0 0 0 1 0 1 0 3 0 0 ~ 0 5 0 5~ 0 0 0 0~ 0 7 0 5 0 4 0 6 0 5 0 2 0 2 0 0 0 5 0 2 0 3 0 7 0 4 0 3 0 5 0 2 0 7 0 3 0 9 0 2 0 2 0 0 0 5 0 0 0 7 0 4 0 5 0 7 0 5 0 4 0 0 0 0 0 3 0 1 0 1 0 5 0 7 0 5 г 0 5 0 7 0 5 0 7 0 2~ 0 5 0 7 6 4 0 5 0 2 0 4 0 9 0 5 0 1 0 7 K j 0 4 0 5 0 7 0 2 0 4 0 1~ 0 0 0 7 0 5~ 0 6~ 0 1 ~ 0 1 0 1 0 3 0 0 ~ocookpeo 6 4 0 5 0 7 0 5 г 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1 ~ 0 4 0 7 0 2 0 0F 0 5 г 0 5 0 4 0 3 0 5 0 6 0 5~ 0 5 0 6 0 0 0 4 ~ 0 1 0 7 0 5 0 1 ~ ~ 0 2 0 5 0 1 0 2 0 2 0 0 0 1 0 1 0 7 0 5 0 1 ~ 0 3 0 9 0 2 0 2 0 0 0 7 0 2K V
1 3SEB-koncernen Resultatr 0 1kning C SEB-koncernen Aggregerad Kv4 Kv3 Kv4 Jan - dec % % % R 0 1ntenetto 3 697 4 519-18 5 513-33 19 490 18 710 4 Provisionsnetto 3 877 3 566 9 3 790 2 14 460 15 254-5 Nettoresultat av finansiella transaktioner 935 946-1 1 723-46 4 485 2 970 51 Livf 0 2rs 0 1kringsint 0 1kter netto 932 857 9 516 81 3 597 2 375 51 0 0vriga int 0 1kter netto 433-153 1 153-62 2 181 1 795 22 Summa int 0 1kter 9 874 9 735 1 12 695-22 44 213 41 104 8 Personalkostnader -3 186-3 735-15 -4 597-31 -15 574-16 241-4 0 0vriga kostnader -2 473-1 899 30-1 968 26-8 128-7 642 6 Av- och nedskrivningar av tillg 0 2ngar - 467-381 23-400 17-4 695-1 524 Summa kostnader -6 126-6 015 2-6 965-12 -28 397-25 407 12 Resultat f 0 2re kreditf 0 2rluster 3 748 3 720 1 5 730-35 15 816 15 697 1 Kapitalvinster och -f 0 2rluster fr 0 2n materiella och immateriella tillg 0 2ngar - 24 3 1 4 5-20 Kreditf 0 2rluster -3 160-3 335-5 -1 703 86-12 448-3 231 R 0 2relseresultat 564 388 45 4 028-86 3 372 12 471-73 Skatt - 277-350 -21-519 -47-2 200-2 421-9 Nettoresultat fr 0 2n kvarvarande verksamheter 287 38 3 509-92 1 172 10 050-88 Avvecklade verksamheter - 3-1 200-2 50 6 Nettoresultat 284 37 3 507-92 1 178 10 050-88 Minoritetens andel 27 12 125 1 64 9 Aktie 0 1garnas andel * 257 25 3 506-93 1 114 10 041-89 * Nettoresultat per aktie f 0 2re utsp 0 1dning, kr 0:12 0:01 3:62 0:58 10:36 Nettoresultat per aktie efter utsp 0 1dning, kr 0:12 0:01 3:62 0:58 10:36 0 0vrigt totalresultat Kv4 Kv3 Kv4 Jan - dec % % % Nettoresultat 284 37 3 507-92 1 178 10 050-88 Omr 0 1kning utl 0 1ndsk verksamhet 244-11 242 1-187 152 Finansiella tillg 0 2ngar som kan s 0 1ljas 214 1 488-86 -775 1 966-2 624 Kassafl 0 2dess 0 1kringar - 18-476 -96 1 676-974 1 607 0 0vrigt - 42-880 -95 1 594-749 2 066 0 0vrigt totalresultat (netto efter skatt) 398 121 2 737-85 56 1 201-95 Totalresultat 682 158 6 244-89 1 234 11 251-89 Minoritetens andel 16 13 23 9 78 60 1 Aktie 0 1garnas andel 666 145 6 235-89 1 174 11 250-90 NM
1 3Nyckeltal - SEB-koncernen Kv4 Kv3 Kv4 Jan - dec R 0 1ntabilitet p 0 2 eget kapital, % 1,0 0,1 17,6 1,2 13,1 R 0 1ntabilitet p 0 2 totala tillg 0 2ngar, % 0,05 0,00 0,57 0,05 0,42 R 0 1ntabilitet p 0 2 riskv 0 1gda tillg 0 2ngar, % 0,13 0,01 1,46 0,13 1,13 Nettoresultat per aktie f 0 2re utsp 0 1dning, kr 0:12 0:01 3:62 0:58 10:36 V 0 1gt antal aktier, miljoner* 2 194 2 194 969 1 906 966 Nettoresultat per aktie efter utsp 0 1dning, kr 0:12 0:01 3:62 0:58 10:36 V 0 1gt antal aktier efter utsp 0 1dning, miljoner** 2 201 2 200 970 1 911 967 Substansv 0 1rde per aktie, kr 50:08 49:91 94:81 50:08 94:81 Genomsnittligt eget kapital, miljarder kr 99,3 98,7 79,8 95,4 76,4 K/I-tal 0,62 0,62 0,55 0,64 0,62 Kreditf 0 2rlustniv 0 2, % 0,93 0,98 0,62 0,92 0,30 Total reserveringsgrad f 0 2r individuellt v 0 1rderade os 0 1kra fordringar, % 69,5 72,2 68,5 69,5 68,5 Andel os 0 1kra fordringar, netto % 0,72 0,70 0,41 0,72 0,41 Andel os 0 1kra fordringar, brutto % 1,39 1,26 0,73 1,39 0,73 Basel II (Myndighetsrapportering med 0 2verg 0 2ngsregler) :*** Riskv 0 1gda tillg 0 2ngar, miljarder kronor 795 806 986 795 986 Prim 0 1rkapitalrelation exkl hybridkapital, % 10,74 10,94 7,11 10,74 7,11 Prim 0 1rkapitalrelation, % 12,78 12,53 8,36 12,78 8,36 Total kapitalt 0 1ckningsgrad, % 13,50 14,12 10,62 13,50 10,62 Basel II (utan 0 2verg 0 2ngsregler): Riskv 0 1gda tillg 0 2ngar, miljarder kronor 730 747 818 730 818 Prim 0 1rkapitalrelation exkl hybridkapital, % 11,69 11,80 8,57 11,69 8,57 Prim 0 1rkapitalrelation, % 13,91 13,51 10,08 13,91 10,08 Total kapitalt 0 1ckningsgrad, % 14,69 15,23 12,81 14,69 12,81 Basel I: Riskv 0 1gda tillg 0 2ngar, miljarder kronor 1 003 1 019 1 127 1 003 1 127 Prim 0 1rkapitalrelation exkl hybridkapital, % 8,51 8,65 6,22 8,51 6,22 Prim 0 1rkapitalrelation, % 10,13 9,91 7,32 10,13 7,32 Total kapitalt 0 1ckningsgrad, % 10,70 11,16 9,29 10,70 9,29 Antal befattningar**** 19 562 19 912 21 131 20 233 21 291 Dep 0 2f 0 2rvaring, miljarder kronor 4 853 4 743 3 891 4 853 3 891 F 0 2rvaltat kapital, miljarder kronor 1 356 1 295 1 201 1 356 1 201 * Utf 0 1rdat antal aktier uppgick till 2 194 171 802 efter nyemissionen i mars (687 156 631 vid 0 2rsskiftet ). SEB 0 1gde vid 0 2rsskiftet 2,2 miljoner A-aktier f 0 2r personaloptionsprogrammet. Under har 1,4 miljoner av dessa aktier s 0 2lts netto i samband med att personaloptioner l 0 2sts in. Per 31 december 0 1gde SEB s 0 2ledes 0,8 miljoner A-aktier f 0 2r s 0 1kring av det l 0 2ngsiktiga incitamentsprogrammet till ett marknadsv 0 1rde av 36. ** Ber 0 1knad utsp 0 1dning baserad p 0 2 ett bed 0 2mt ekonomiskt v 0 1rde f 0 2r de l 0 2ngsiktiga incitamentsprogrammen. *** 80 procent av RWA i Basel I f 0 2r och 90 procent av RWA i Basel I f 0 2r. **** Kvartalsisolerat antal 0 1r f 0 2r sista m 0 2naden i kvartalet. Ackumulerat antal 0 1r ett medeltal f 0 2r perioden. NN
1 3Resultatr 0 1kning kvartalsvis - SEB-koncernen :4 :3 :2 :1 :4 R 0 1ntenetto 3 697 4 519 5 370 5 904 5 513 Provisionsnetto 3 877 3 566 3 802 3 215 3 790 Nettoresultat av finansiella transaktioner 935 946 1 471 1 133 1 723 Livf 0 2rs 0 1kringsint 0 1kter netto 932 857 946 862 516 0 0vriga int 0 1kter netto 433-153 1 585 316 1 153 Summa int 0 1kter 9 874 9 735 13 174 11 430 12 695 Personalkostnader -3 186-3 735-4 262-4 391-4 597 0 0vriga kostnader -2 473-1 899-1 918-1 838-1 968 Av- och nedskrivningar av tillg 0 2ngar - 467-381 -2 832-1 015-400 Summa kostnader -6 126-6 015-9 012-7 244-6 965 Resultat f 0 2re kreditf 0 2rluster 3 748 3 720 4 162 4 186 5 730 Kapitalvinster och -f 0 2rluster fr 0 2n materiella och immateriella tillg 0 2ngar - 24 3 23 2 1 Kreditf 0 2rluster -3 160-3 335-3 567-2 386-1 703 R 0 2relseresultat 564 388 618 1 802 4 028 Skatt - 277-350 - 792-781 - 519 Nettoresultat fr 0 2n kvarvarande verksamheter 287 38-174 1 021 3 509 Avvecklade verksamheter - 3-1 4 6-2 Nettoresultat 284 37-170 1 027 3 507 Minoritetens andel 27 12 23 2 1 Aktie 0 1garnas andel * 257 25-193 1 025 3 506 * Nettoresultat per aktie f 0 2re utsp 0 1dning, kr 0:12 0:01-0:09 1:03 5:12 Nettoresultat per aktie efter utsp 0 1dning, kr 0:12 0:01-0:09 1:03 5:12 R 0 2relseresultat, rullande12-m 0 2naders SEB-koncernen*, 50,000 45,000 40,000 35,000 30,000 25,000 20,000 15,000 10,000 5,000 0 Kv1-05 Kv2-05 Kv3- Kv4-05 05 Kv1- Kv2-06 06 Kv3-06 Kv4- Kv1-06 07 Kv2- Kv3-07 07 * Exkluderar realisationsvinster och goodwillnedskrivningar Kv4-07 Kv1- Kv2-08 08 Kv3- Kv4-08 08 Kv1- Kv2-09 09 Kv3- Kv4-09 09 Int 0 1kter Kostnader Resultat f 0 2re kreditf 0 2rluster R 0 2relseresultat NO
1 3Resultatr 0 1kning per division C SEB-koncernen Jan-dec, Stora f 0 2retag & Institutioner Kontorsr 0 2relsen Kapitalf 0 2rvaltning Liv* Baltikum 0 0vrigt inkl elimineringar SEBkoncernen R 0 1ntenetto 9 982 6 879 598-18 2 679-630 19 490 Provisionsnetto 5 647 4 428 2 955 934 496 14 460 Nettoresultat av finansiella transaktioner 4 377 290 76 126-384 4 485 Livf 0 2rs 0 1kringsint 0 1kter netto 4 443-846 3 597 0 0vriga int 0 1kter netto 46 83 17 55 1 980 2 181 Summa int 0 1kter 20 052 11 680 3 646 4 425 3 794 616 44 213 Personalkostnader -3 529-4 052-1 229-1 107-730 -4 927-15 574 0 0vriga kostnader -3 863-4 433-1 160-536 -1 452 3 316-8 128 Av- och nedskrivningar av tillg 0 2ngar - 155-180 - 116-667 -2 389-1 188-4 695 Summa kostnader -7 547-8 665-2 505-2 310-4 571-2 799-28 397 Resultat f 0 2re kreditf 0 2rluster 12 505 3 015 1 141 2 115-777 -2 183 15 816 Kapitalvinster och - f 0 2rluster fr 0 2n materiella och immateriella tillg 0 2ngar - 1-2 29-17 - 5 4 Kreditf 0 2rluster - 805-1 369-28 -9 569-677 -12 448 R 0 2relseresultat 11 699 1 644 1 142 2 115-10 363-2 865 3 372 * Verksamhetsresultatet i Liv uppg 0 2r till 3 015 (2 052), av vilket f 0 2r 0 1ndringar i 0 2verv 0 1rden 900 (989). NP
1 3Stora F 0 2retag & Institutioner p 0 4 ~c г 0 7 ~ 0 0Cf 0 2 0 5 0 4 0 2 0 7 0 5~ 0 6 6 4 0 5 0 4 ~~ 0 5 0 5 0 3 0 5 0 4 0 0 6 4 0 5 0 7 0 2Jq ~ 0 5 0 2 0 0~ 0 2 0 5`~ ~ 0 1j~ 0 9 0 7 0 5 0 4 0 3 0 5d 0 1 0 4 0 2~ 0 1q ~ 0 2 0 5~ 0 3 0 4 0 2p 0 7 0 6 0 3 0 7 0 5Ka 0 7 г 0 6 0 0~ ~ 0 5 0 5 0 3 0 5 0 4 0 0 6 4 0 5 0 7 0 2~I`ojI` 0 4 0 0 0 0 0 7 0 3 ~ 0 1o 0 7~ 0 1b 0 5 ~ 0 7I` 0 4 0 4 ~ 0 7c 0 2~ 0 2 0 3 0 7 0 4 0 3 0 5p 0 3 0 7 0 5c 0 2~ 0 2 0 3 0 7I 6 4 0 7 0 5 0 2 0 2 0 5 0 2 0 4 0 0` 0 4 0 4 ~ 0 7_~ 0 2 0 9 0 2 0 0K Resultatr 0 1kning Jan- dec % % % R 0 1ntenetto 1 978 2 402-18 2 613-24 9 982 7 414 35 Provisionsnetto 1 531 1 326 15 1 163 32 5 647 5 248 8 Nettoresultat av finansiella transaktioner 712 981-27 1 813-61 4 377 3 625 21 0 0vriga int 0 1kter netto - 101 40 341-130 46 526-91 Int 0 1kter 4 120 4 749-13 5 930-31 20 052 16 813 19 Personalkostnader - 556-775 - 28-954 - 42-3 529-3 890-9 0 0vriga kostnader - 958-942 2-918 4-3 863-3 594 7 Av- och nedskrivningar av tillg 0 2ngar - 61-35 74-30 103-155 - 95 63 Kostnader -1 575-1 752-10 -1 902-17 -7 547-7 579 0 Resultat f 0 2re kreditf 0 2rluster 2 545 2 997-15 4 028-37 12 505 9 234 35 Kapitalvinster och -f 0 2rluster fr 0 2n tillg 0 2ngar - 1 1-200 - 1 5-120 Kreditf 0 2rluster - 52-107 - 51-592 - 91-805 - 889-9 R 0 2relseresultat 2 492 2 890-14 3 437-27 11 699 8 350 40 K/I-tal 0,38 0,37 0,32 0,38 0,45 Allokerat kapital, miljarder kronor 35,1 35,1 27,0 35,1 27,0 R 0 1ntabilitet, % 20,4 23,7 36,7 24,0 22,3 Antal befattningar 2 539 2 582 2 698 2 630 2 721 1 7 1 7 1 7 Rekord 0 2r f 0 2r int 0 1kter och resultat baserat p 0 2 fortsatt tillv 0 1xt i den nordiska verksamheten H 0 2g tillg 0 2ngskvalitet och l 0 1gre kreditf 0 2rluster Fortsatt ledande position inom investment banking och andra k 0 1rnaff 0 1rsomr 0 2den bekr 0 1ftade Kommentarer till b 0 5 ~ 0 2 0 1 0 5 0 3 0 5 0 7 0 9 0 6~ ~ 0 1 0 9 0 3 0 2 0 2 0 7 0 7 0 3 0 9 0 2~ ~ 0 6 0 5 ~ 0 9~ 0 4 0 6 0 5 0 4 0 2 0 5J 0 2 0 3 0 9 0 7 0 4 0 3 0 5 0 5 0 4 0 5~ 0 1 6 4 0 0~ 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 ~ 0 6 0 5 0 1 ~ 0 5 0 7 0 7 0 9 0 4 0 5J 6 4 0 7 OMMV 0 5 г 0 5 0 6 0 5 0 4 0 2 0 7 0 2Ka 0 7 0 7 0 5 0 1 0 7 0 9 0 7 ~ 0 2 0 1~ 0 2 0 5~ 0 2 0 2~ 0 5 0 7 0 2 0 5 г 0 0~ 0 6 0 4 0 1~ 0 1 0 7 0 7 0 2 0 2 г ~ 0 2~ 0 6 6 4 0 7 0 4 0 3 0 5 0 5 0 7 0 2 0 5 0 2~ 0 2 0 2~ 0 7 0 5 0 4 0 2J 0 5 0 7 0 2 0 5 6 4 0 2 0 3 0 7 0 2 ~ 0 1 0 2~ 0 2 0 9 0 7 0 2~Kf 0 2 0 3 0 9 0 7 0 2~ г 0 9~ 0 5 0 7 0 0 0 7 0 5 г 0 6 0 7 P 0 0 0 1J ~ 0 5 0 7 0 9 0 4 0 2 0 4 0 3 0 0 0 5 г 0 0 0 7 0 5OMMUKi 6 4 0 0~ 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 0 4 0 3 0 5 0 5 0 4 0 5~ ~ 0 7 0 5 0 5 0 7 0 9 0 6 0 7 0 5 6 4 0 0 0 3 0 5 0 7 0 1 0 9 0 5 0 4 0 0 0 1 0 3 0 0 0 7 г 0 1 0 0~ 0 7 0 5 0 3 J 0 2 0 2 0 0~ 0 1 0 7 0 5 0 5 0 7 0 1 0 1 0 7 0 2QMJ 0 4 0 3 0 7 0 2 0 0 г 0 9 0 2 0 2 0 0~ 0 6 г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~J 0 7 Ka 0 7 0 4 0 6~ 0 2 0 1 0 0 0 5 г 0 0~ 0 3 0 2 0 7 0 2 0 7 0 4 0 2 0 5 0 7 0 5 0 7 0 5 г 0 5 ~ 0 5~ 0 1 0 6 6 4 0 7 0 2 0 4 0 0~ 0 1 0 5 0 7 ~ 0 5 0 7 0 5 0 0 0 4 0 5 0 1 0 7 ~ 0 6 6 4 0 7 I 0 3 0 6 0 7 0 2 0 4 0 0 0 5 0 7 0 2 0 0 0 4 0 5~ 0 2J 0 5 0 7 0 1 0 0 0 0~ 0 2 0 5 0 7 0 6 0 7 0 3 0 9 0 1 0 2 0 0 0 7 0 2 0 2 0 4 0 0` 0 4 0 4 ~ 0 7_~ 0 2 0 9 0 2 0 0 0 5 0 4 0 5~ 0 7K b 0 5 0 7 0 5 6 4 0 0~ 0 2 6 4 0 2 ~ 0 9 0 7 0 5 0 7 0 6~ 0 0 6 4 0 1 0 0 0 2 0 1~ 0 2 0 5 0 5 г 0 7 ~ 0 0 0 5J 0 9 0 2 0 5 0 7 0 2~ 0 4 0 3 0 5 0 2 ~ 0 2 0 5 0 7 ~ 0 6 0 9 0 7 0 5 0 5~ 0 3 0 1 0 7 0 7 0 0 0 2 0 5 0 9~ 0 5 0 7K s 0 4 0 1 0 0 0 2 0 7 0 5 0 0 6 4 0 2 0 0 0 7 0 2 0 0 г 0 7 0 5 0 5 0 7 0 1 0 6 0 5~ 0 6 0 7 0 1 0 1 0 5 0 1 г 0 5 0 7~ 0 6 0 2 ~ 0 9 0 2 0 5 0 7 Kh 0 7 0 5 0 9 0 6~ 0 1 0 7 0 7 0 2 0 6~ 0 5 0 4 0 5~ 0 0 0 4 0 5I 0 2 6 4 0 5 0 7 0 1 6 4 0 2 0 7 0 4 0 5 г 0 1 0 7 0 2 0 4 0 3 0 5 0 5 0 7 0 2 0 5 ~ 0 7 0 0 0 5 0 9~ 0 2 0 6 0 7 0 5 0 7 0 2 0 0 0 5 0 4 0 5 г 0 1 0 7 0 2I 0 5 0 4 0 0 0 7 0 5 0 3 0 7 ~ 0 5 0 7 0 5 0 1 0 1VM 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 ENPPFK s 0 4 0 1~ 0 1 0 7 0 7 0 2 0 0~ 0 9 0 2~ 0 5 0 7 0 2~ 0 6 0 4 0 0 0 2 0 5 0 7 6 4 0 7 0 5~ 0 0 0 5 0 0 0 5 0 4 0 0 0 5 0 9~ 0 7 0 2 0 5 0 7 0 0Kb г 0 9~ 0 5 г 0 4 0 7 0 2 0 5 0 7 0 2 0 5 0 4 0 0 0 1 0 1 0 1 0 3 0 0 0 7 0 7 0 0 0 7 0 5 г 0 1 0 9 0 6 0 5 0 7 0 5 0 5 0 9 0 7 0 4 0 3 0 5 0 5 г 0 0 0 7 0 6 0 3 0 5 0 7 0 2 0 0~ K k 0 4 0 0~ 0 1 0 5 0 7 0 2 0 0 0 7 0 2~ 0 6 0 0~ 0 9 0 2~ 0 5 0 7 0 2 0 1 0 7 0 5 0 5 0 7 0 4 0 3 0 9 0 5 6 4 0 1 0 1 0 1 0 3 0 0 0 7 ~ 0 9 0 6 0 7 0 7 0 2 0 4 0 0q ~ 0 5 0 2 0 0~ 0 2 0 5`~ ~ 0 1j~ 0 9 0 7 0 5I 0 5 ~ 0 0 0 5 г ~ 0 1 0 1 0 2 0 4 0 0 0 6~ 0 1 ~ 0 5~ 0 2 0 5 0 7 0 1 0 2I 0 0 0 7 0 2 0 3 0 6 0 7 0 2 0 1 0 1 0 1 0 3 0 0 0 7 0 1 6 4 0 2 0 2 0 0 0 5 0 0~ 0 0 0 2~J 0 1 0 7 0 3 0 0 0 5 г 0 0 0 7 0 5 6 4 0 5 0 5 0 9 0 5 0 7 OMMULMVKj~ 0 9 0 2~ 0 5 0 7 0 2 0 5 г 0 5 г 0 7 ~ 0 0 0 5J 0 4 0 2 0 1 0 0~ 0 4 0 2 0 7 г 0 2~ 0 5 0 7 0 5 6 4 0 7 0 2 0 5 0 7 6 4 0 7 0 4 0 3 0 5pb_ 0 6~ 0 1 0 7 0 5~ 0 2 0 5 0 7 0 7 0 0 0 7 0 2 ~ 0 6 0 4 0 2 0 1 0 0~ 0 4 0 2 0 7 0 5 0 6 0 7 0 2 0 5 0 9~ 0 9 0 4 0 2 0 4 0 4 0 3 0 5 г 0 9~ 0 5 0 7 0 3 0 6 0 7 0 2 0 5 0 2 0 0~ 0 9 0 2~ 0 5 0 5~ 0 2 0 5 0 7 0 1 0 0 0 7 0 2 0 7 0 7 0 1 0 1 0 2 0 1~ 0 2 0 5 0 2 0 4 0 5 0 5 0 9~ 0 7 0 0 0 7 0 2 0 7 K q 0 4 0 5 0 5 0 7 0 5 г 0 2 0 3 ~ 0 5 0 7 0 7 0 9 0 4 0 2 0 4 0 0 0 5 0 9~ 0 9 0 1 0 0~ 0 7 0 6~ 0 4 0 0 0 5 0 3 0 2 0 2 0 0 0 7 0 2 6 4 0 2 г 0 5 0 7 0 2 0 1 6 4 0 0 0 2 0 5 0 7 0 5 0 7 0 1~ 6 4 0 7 0 4 0 3 0 5 0 2 0 3 0 9 0 7 0 2~ 0 5 6 4 0 2~ 0 9 0 7 0 5~ 0 2 0 5 0 7 0 1 0 2 0 6~ 0 7 0 1~ 0 6 0 5 0 6~ 0 0~Ka 0 7 0 2 0 1 0 7 0 5~ 0 2 0 5 0 7 0 4 0 5 0 4 0 2 0 7 0 2 0 2 0 4 0 0 0 5 0 7 ~ 0 4 0 0 6 4 0 5 0 7 0 2 0 7 0 9 0 3 0 5 ~ 0 5 0 7 0 5 0 2 0 3 0 2 0 4 0 5 0 5 0 9~ 0 2 0 5 0 4 0 2 0 7 0 2 0 1 0 0 0 7 0 2 ~ 0 2 0 9~ 0 5 0 7pb_b 0 2 0 5 0 9 0 1 0 5~ 0 5 0 4 0 0 0 7 ~ m 0 4 0 5 0 7 ~ 0 5 0 0~ 0 9 0 2~ 0 5 0 5 0 2 0 5 0 7 0 5 г 0 9 0 2 0 2 0 0Kpb_b 0 2 0 5 0 9 0 1 0 5~ 0 6~ 0 3 0 6 0 7 0 2 6 4 0 5 0 0 0 6~ 0 7 0 6 0 5 0 0 6 4 0 2 0 0~~ 0 6 0 7 0 0 0 4 0 2 0 7 0 2 0 5 0 6 0 9 0 0~ 0 5 0 7 0 5 г 0 6 0 3 0 6 0 5 ~ 0 2 0 5~ 0 9 0 4 0 2 0 7 I 0 2 0 5 0 7 0 5 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 2 0 1~ 0 2 0 5~ 0 2 0 2~ ^KmKj 6 9 0 1 0 1 0 7 Jj 6 8 0 5 0 9 0 5 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0~ 0 6k 0 4 0 5 0 4 0 1 0 9e 0 4 0 1 0 5 0 2 0 0 0 5I b 0 3 0 5 0 5 0 4 0 2 0 5 0 5 0 7 0 1 0 5 г 0 6 0 3 0 6~ 0 6k 0 4 0 7 0 1k 0 7 0 7 0 4 0 9 0 5 rp^ 0 4 0 3 0 5 0 6~ 0 5 0 7 0 2 0 0 0 7 0 2~ 0 6 0 5 г 0 7 0 5 0 7 0 1 0 7 0 2~ 0 6^ 0 4 0 7 0 9 0 7 K f 0 2 0 3 0 9 0 7 0 2~ 0 2 0 4 0 0d 0 1 0 4 0 2~ 0 1q ~ 0 2 0 5~ 0 3 0 4 0 2p 0 7 0 6 0 3 0 7 0 5 0 5 ~ 0 2 0 1 J 0 5 0 7 ~ 0 5 0 7 0 5 0 2 0 5 0 7 0 5 0 7 0 2~ 0 7 0 5 0 7 0 1 0 7 0 2~ 0 6 6 4 0 7 ~ 0 9 0 0 0 7 0 5~ 0 3 0 2 0 7J 0 2 0 6 6 4 0 7 0 2~ 0 4 0 3 0 5 ~ 0 2 0 5~ 0 9 0 4 0 2 0 5 0 6 0 4 0 1 0 0 0 7 0 2~ 0 2 0 4 0 2~ 0 5 0 7 0 4 0 3 0 5 0 1 0 1J 0 0 6 4 0 2 0 0 0 5 0 6 0 3 0 5 0 7 0 2~ г 0 9~ 0 5 0 7Ks 0 5 6 4 0 5 0 5 0 9 0 5 0 7 0 0 0 3 0 9 0 5 0 7 0 2 0 5 г 0 6~ 0 1 ~ 0 5 0 7 0 5 0 7 6 4 0 6 0 4 0 1 0 0 0 7 0 2 0 1 0 1QURP 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 EPUVNFK r 0 2 0 5 0 7 0 7 6 4 0 5 6 4 0 5 0 7 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1~ 0 0~ 0 9 0 2~ 0 5 0 7 0 2~ 0 0 г 0 7 0 5 0 5 0 4 0 5 0 9 0 5 0 4 ~ 0 0~ 0 2 0 2 0 0~ 0 4 0 3 0 5 0 5 0 1 0 7 ~ 0 1 0 3 0 2 0 5 0 5 0 9~ 0 2~ 0 2 0 9 0 7 0 5 0 4 0 0 0 2 0 7 0 5 6 4 0 5 0 2 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 0 4 0 0 6 4 0 5 0 7 0 6~ pb_ 0 7 0 2~ 0 9 0 6 ~ 0 2 0 7 0 1 0 1 0 9 0 2 0 5 0 7 0 2~ 6 4 0 5 0 2~ 0 9 0 3 0 2 0 0~ 0 9 0 2~ 0 5 0 7 0 4 0 3 0 5 0 5 г ~ 0 5 0 7 0 5 0 7 0 0 0 0 0 7 0 5 0 5 6 4 0 6 0 3 0 1 0 5 0 2~ 0 2 0 5 0 7 0 2 0 0 0 5 0 4 0 0 6 4 0 5 0 0 0 6 0 2 0 2 0 0 0 2 0 5 0 7 0 7 0 2 0 7J 0 4 0 5~ 0 6 0 0~ 0 9 0 2~ 0 5 0 5 0 2 0 1 0 7 0 2 0 5Ka 0 7 г 0 9~ 0 5 0 7 0 9 0 2 0 5 0 7 0 1~ 0 4 0 2 0 7 0 2~ 0 6 0 3 0 2 ~ 0 5 0 0 г ~ 0 7 0 2 0 5 ~ 0 9 0 1~ 0 5 0 4 0 0 0 5 г 0 5 ~ 0 0 0 5~ 0 1 0 1 0 6 0 3 0 9 K NQ
1 3 Kontorsr 0 2relsen h 0 4 0 2 0 4 0 5 г 0 7 0 1 0 5 0 7 0 2 0 2 0 7 0 5 6 4 ~ 0 6 0 7~ 0 5 0 5 0 3 0 5 0 4 0 0 6 4 0 5 0 7 0 2Wp 0 6 0 7 0 0 0 7Iq 0 5 0 9 0 1~ 0 2 0 5 0 4 0 3 0 5h 0 4 K Resultatr 0 1kning Jan- dec % % % R 0 1ntenetto 1 642 1 651-1 1 929-15 6 879 7 195-4 Provisionsnetto 1 158 1 089 6 1 165-1 4 428 4 691-6 Nettoresultat av finansiella transaktioner 82 55 49 71 15 290 248 17 0 0vriga int 0 1kter netto 22 26-15 48-54 83 92-10 Int 0 1kter 2 904 2 821 3 3 213-10 11 680 12 226-4 Personalkostnader - 911-1 022-11 - 973-6 -4 052-3 828 6 0 0vriga kostnader -1 127-1 088 4-1 156-3 -4 433-4 283 4 Av- och nedskrivningar av tillg 0 2ngar - 41-43 - 5-58 - 29-180 - 222-19 Kostnader -2 079-2 153-3 -2 187-5 -8 665-8 333 4 Resultat f 0 2re kreditf 0 2rluster 825 668 24 1 026-20 3 015 3 893-23 Kapitalvinster och -f 0 2rluster fr 0 2n tillg 0 2ngar - 1-1 0 2-150 - 2 2-200 Kreditf 0 2rluster - 382-364 5-240 59-1 369-650 111 R 0 2relseresultat 442 303 46 788-44 1 644 3 245-49 K/I-tal 0,72 0,76 0,68 0,74 0,68 Allokerat kapital, miljarder kronor 15,8 15,8 14,5 15,8 14,5 R 0 1ntabilitet, % 9,0 6,3 15,7 8,2 16,2 Antal befattningar 4 974 5 007 5 275 5 078 5 346 1 7 St 0 1rkta kundrelationer i den svenska kontorsr 0 2relsen - 12 200 nya kundf 0 2retag och 0 2kad utl 0 2ning 1 7 1 7 Resultatet i den tyska kontorsr 0 2relsen negativt p 0 2verkat av l 0 1gre marknadsr 0 1ntor och kundaktivitet B 0 1sta resultatet hittills f 0 2r kortverksamheten med st 0 2d av l 0 1gre finansieringskostnader Kommentarer till h 0 4 0 2 0 4 0 5 г 0 7 0 1 0 5 0 7 0 2 0 5 0 2 0 3 0 9 0 7 0 4 0 3 0 5 0 7 0 5 0 1 ~ 0 5 г 0 5 0 3 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 OMMV 0 5 г 0 2 0 3 ~ 0 5 0 7 0 5 0 2 6 4 0 0 0 4 0 3 0 0 0 5 г 0 0 0 7 0 5 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 0 9 0 6~ ~ 0 1 0 4 0 3 0 5 0 5 0 7 0 1 6 4 0 7 0 5 г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 0 0 3 0 9 0 1 0 1NSQQj 0 9 EPOQRFK o 0 7 0 5 0 1 ~ 0 7 0 2 0 5 0 7 OMMV 6 4 0 6 0 7 0 9~ 0 5 0 7 0 5 0 9 ~ 0 5 0 0 0 2 0 7 0 0~ 0 6 ~ 0 6~ 0 2 0 3 0 9 0 7 0 2~ 0 5 6 4 0 2 0 2 0 1 6 4 0 2 0 2 0 0 0 7 0 2 0 0 0 2 0 5 0 9~ 0 5 0 7 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 5 0 7 0 2 ~ 0 2 0 5~ 0 1 0 1~ 0 2 0 5 0 7 0 0~ 0 9 0 2~ 0 5 0 5 0 3 0 2 0 4 0 2~Kf 0 2 0 3 0 9 0 7 0 2~ 0 5 6 4 0 2 0 1 6 4 0 2 0 2 0 0 0 7 0 2 г 0 9~ 0 5 0 7K h 0 4 0 2 0 4 0 5 г 0 7 0 1 0 5 0 7 0 2 p 0 6 0 7 0 0 0 7 0 6~ 0 2 0 2 0 0~ 0 9 0 2~ 0 5 0 5~ 0 2 0 5 0 7 0 1~ 6 4 0 5 0 7 0 2 0 6 0 9 0 0~ 0 2 0 4 0 1 6 4 0 2 0 7 0 0~ 0 9 0 2~ 0 5 0 7 0 2Ks 0 4 0 1 0 0 0 1 0 1 0 6 0 3 0 9 0 7 0 2 0 5 0 4 0 5~ 0 7 0 4 0 3 0 5 0 0~ 0 0 0 2~ 0 1 0 7 0 2~ 6 4 0 7 0 5 0 3 0 0 ~ 0 5 0 7 0 5 0 0 0 2 6 4 0 0 0 4 Kh ~ 0 6 0 7 0 2 0 5~ 0 0 0 2~ 0 2 0 5 0 0 0 7 0 5 0 9 0 7 0 5 0 0 0 6 0 2 0 2 0 0 0 5 0 9 0 3 0 7 0 5 0 5 0 5 0 7~ 0 5 0 3 0 9 ~ 0 9 0 6~ 0 1 0 7 0 7 0 2 6 4 0 1 6 4 0 2 0 7 0 4 0 5 г 0 1 0 7 0 2 0 7 0 2 0 5 ~ 0 0 0 5~ 0 0 0 7 0 2 0 4 0 0~ 0 1 0 3 0 2 0 7 0 0~ 0 9 0 2~ 0 5Km 6 4 0 0~ 0 9 0 2~ 0 5 0 7 0 2 0 5 г 0 5 0 0 6 4 0 4 0 3 0 5 0 0 0 7 0 5 0 7 0 1 0 5 0 4 ~ 0 5 г 0 7 ~ 0 0~ 0 6 0 4 0 0 0 1 6 4 0 2 0 2 0 0 0 5 0 1 0 1 0 6 0 3 0 9 0 7 0 2 0 2 0 5 0 7 OMMVKpb_ 0 5 0 3 0 9 0 7 0 5 0 2 0 5 0 3 0 1 0 1 0 2 0 2 0 0 6 4 0 5 0 7 0 2 0 2~ 0 0~ 0 9 0 2~ 0 5I 0 6 0 1 0 9 0 7 ~ 0 6 0 5 0 7 0 0 0 1~ 0 5 0 7 0 5 0 0 0 5 6 4 0 6 0 3 0 1 0 7 0 9 0 7 0 2~ ~ 0 2 0 9 0 2 0 2 0 0~ Epb_ 0 2 0 3 0 0 0 2 0 5 0 7 0 5 0 1 0 1 0 7 0 5 0 5 0 0 6 4 0 5 г 0 7 ~ 0 0~ 0 2~ 0 2 0 9~ 0 6 m 0 6~ ~^ 0 5 0 5 0 3 0 7 F 0 5 0 4 0 0 г 0 9 0 2 0 2 0 0 0 7 0 2~ 0 6~ 0 2 ~ 0 1 0 7 0 2 ~ 0 9 0 2 0 5 0 7 0 0 0 7 0 5 NOOMMKb 0 9 0 7 0 0 0 7 0 1 6 4~ 0 9 0 2 0 5~ 0 9 0 6 0 7 0 7 0 2 г 0 6 0 7 0 1~ 0 0 0 6~ 0 2 0 7 0 2 0 5 0 6 0 3 0 7 0 2NVJ 0 4 0 3 0 7 0 2 0 0 г 0 9 0 2 0 2 0 0~ 0 6~ 0 2 ~ 0 1 0 7 0 5~ 0 0 ~ 0 1 0 1 0 1 q 0 7 0 1 0 7 0 5 0 4 0 2 0 2~ 0 2 0 9 0 7 0 2 0 4 0 3 0 5 0 1~ 0 2 0 5 0 7 0 2 0 0 0 7 0 2~ 0 6 0 5 0 0~ ~ 0 0 0 4 0 2 0 1 0 7 0 1 0 7 0 5 0 4 0 2 0 3 0 2 0 5 0 7 Kh 0 4 0 5 0 2~ 0 5 0 7 0 2~ г 0 9~ 0 5 0 7 0 0 0 7 0 5 0 0 0 2 0 5 0 7 0 3 0 2 N 0 4 0 3 0 7 0 2 K^ 0 2 0 7 0 7 0 0 0 7 0 5~ г 0 9~ 0 7 0 5 0 5 0 7 0 9 0 6 0 7 0 2 0 6~ 0 5 0 4 0 5~ 0 2 0 7 0 2 0 5 0 6 0 4 0 3 0 5 0 6 0 5 0 0 6 4 0 2 0 0 0 7 0 2~ 0 6OMMV 0 5~ 0 5 0 7~ 0 2 ~ 0 1 0 7 ~ 0 2 0 5 0 3 0 1 0 1 0 5~ 0 2 0 7 0 4 0 0 0 2 0 5 0 9~ 0 0 0 7 0 5OMMKo 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 0 5 г 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 0 0 0 3 0 9 0 1 0 1PVRj 0 9 ENVMFX 0 9 0 7 0 5 0 9 0 6~ 0 1 0 7 0 7 0 2 0 5~ 0 5 0 1 0 1 0 5 0 5 6 4 0 7 0 0 0 4 0 9 0 4 0 2 0 2 0 9 J 0 2 0 7 0 5 0 0 6 4 0 2 0 0 0 7 0 2 0 7 0 1~ 0 6 0 6 0 3 0 1Ko г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 7 0 5 г 0 5 0 7 0 2 0 5 0 6 0 7 0 2 0 5 0 9~ 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 0 7 0 2 0 0 0 3 0 9 0 1 0 1NUTUj 0 9 EO PTUFK ^ 0 2 0 7 0 7 0 0 0 7 0 5~ 0 5 г 0 2 0 3 ~ 0 1 г 0 2 0 5~ 0 0 0 5 0 7 0 7 0 2 0 2 0 4 0 0 0 9 0 4 0 2 0 4 0 5 г 0 7 0 1 0 5 0 7 0 2 q 0 5 0 9 0 1~ 0 2 0 5 0 6 0 3 0 0 0 5 0 7 0 2 0 7 0 7 0 5 0 5 0 7 0 9 0 7 0 2~~ 0 6 0 1 0 3 0 0 0 7 0 0~ 0 9 0 2~ 0 5 0 5 0 3 0 2 0 4 0 4 0 3 0 5 0 9 0 2 0 5~ 0 9 0 6 0 7 Ko 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 0 2~ 0 5 г 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 6 4NRVj 0 9 0 2 0 5 0 7 0 5 0 3 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 1 6 4 0 0 0 1 0 2 0 7 0 0 0 7 0 5~ 0 2 0 5 ~ 0 4 0 3 0 5 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 4 0 3 0 5 0 5 0 7 0 1 6 4 0 5 0 5 0 5 0 5 ~ 0 2 0 0 0 3 0 9 0 1 0 1ROVj 0 9 Ka 0 7 0 2 0 9 ~ 0 5 0 0~ г 0 9 0 2 0 2 0 0 0 7 0 2~ 0 6 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 0 3 0 0 0 5 г 0 0 0 7 0 5OMMU 0 2 0 7 0 4 0 5 0 5 0 7 6 4 6 4 0 7 0 6 0 2 0 2 0 2 0 0~ 0 5 0 0~ 0 7 6 4 I 0 5 г 0 1 0 5 0 7 ~ 0 2 0 5 г 0 9 0 4 0 2 0 4 0 5 г 0 7 0 1 0 5 0 7 0 2 0 5 0 9 0 3 0 2 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 0 4 0 3 0 5 0 7 0 2 0 2 6 4 0 0 0 4 0 5 г 0 5 0 3 0 0 ~ 0 5 0 9 0 7 0 5 0 9 0 6~ 0 1 0 7 0 5 0 1 0 7 ~ 0 5 0 7 0 1~ ~ 0 6 0 1 6 4 0 2 0 7 0 4 0 5 г 0 1 0 7 0 2Ko г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 7 0 5 г ~ 0 5 0 5 0 3 0 5 0 4 0 0 6 4 0 5 0 7 0 0 0 3 0 9 0 1 0 1JNIOQSj 0 9 ENPQFK h 0 4 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 0 7 0 2 0 7 0 5 0 4 0 6 0 5~ 0 5 0 7 0 5 0 5 ~ 0 9~ 0 5 0 7 6 4 0 5 0 1 0 1 0 5 0 2 6 4 0 5 0 7 0 6~ 0 5 0 0 0 3 0 1 0 1 0 7 0 2 0 3 0 9 0 7 0 4 0 3 0 5 0 7 0 5 0 1 ~ K 0 4 0 6 0 7 0 2 0 4 0 0 0 1 0 1 0 6 0 3 0 9 0 7 0 2 0 9 0 4 0 4 0 0 0 5 0 3 0 2 0 2 0 0 0 7 0 2 0 5 6 4 0 1 0 1 0 5 0 1 0 1 0 2~ 0 9~ 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 9 0 4 0 2 0 2 0 9 J 0 2 0 7 0 5 0 0 6 4 0 2 0 0 0 7 0 2 0 5 6 4 0 2 0 2 0 7 0 2~ 0 0~ 0 9 0 2~ 0 5 0 5 0 1 0 3 0 0 0 7 0 5~ 0 0 0 5 0 0 0 7 0 5 ~ 0 9 0 2 0 5 ~ 0 0 0 5 0 4 0 0~ 0 6 0 1 6 4 0 0~ 0 5 0 2~ 0 2 0 5 0 7 0 2 0 0 0 5 0 9 0 4 0 5 0 2~ 0 5 0 7 K o 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 0 5 г 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 0 4 0 3 0 5 0 2 0 7 0 5 0 3 0 0 0 7 0 7 0 6~ 0 1 0 3 0 0 0 7 0 2 0 5 0 7 0 5 0 3 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 3 0 2 0 2 0 5 0 7 0 5 0 7 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 2 0 4 0 3 0 5 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 0 2~ 0 0 0 3 0 9 0 1 0 1QQRj 0 9 EQMNF 0 5 г 0 5 0 7 0 1 6 4 0 7 K h 0 4 0 5 г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 5 г OMMV 0 0 0 3 0 9 0 1 0 1NMNOj 0 9 ETPQFK pb 0 4 0 9 0 5 0 1 0 5 0 9 0 4 0 0 0 0 0 2 0 9 OMMV NR
1 3 Kapitalf 0 2rvaltning a 0 6 0 5 0 4 0 2 0 7 0 2 0 2 0 7 0 5 6 4 ~ 0 6 0 6 6 4~ 0 5 0 5 0 3 0 5 0 4 0 0 6 4 0 5 0 7 0 2Wf 0 2 0 5 0 4 0 2~ 0 1` 0 1 0 7 0 2 0 5 0 4 0 3 0 5m 0 6~ 0 7_~ 0 2 0 9 0 2 0 0K Resultatr 0 1kning Jan- dec % % % R 0 1ntenetto 116 133-13 213-46 598 892-33 Provisionsnetto 853 730 17 1 118-24 2 955 3 680-20 Nettoresultat av finansiella transaktioner 23 17 35 26-12 76 67 13 0 0vriga int 0 1kter netto 3 1 200 11-73 17 50-66 Int 0 1kter 995 881 13 1 368-27 3 646 4 689-22 Personalkostnader - 250-302 - 17-347 - 28-1 229-1 427-14 0 0vriga kostnader - 310-272 14-325 - 5-1 160-1 132 2 Av- och nedskrivningar av tillg 0 2ngar - 24-29 - 17-29 - 17-116 - 101 15 Kostnader - 584-603 - 3-701 - 17-2 505-2 660-6 Resultat f 0 2re kreditf 0 2rluster 411 278 48 667-38 1 141 2 029-44 Kapitalvinster och -f 0 2rluster fr 0 2n tillg 0 2ngar - 1 1-200 29 Kreditf 0 2rluster - 8-15 - 47-28 - 18 56 R 0 2relseresultat 402 279 44 652-38 1 142 2 011-43 K/I-tal 0,59 0,68 0,51 0,69 0,57 Allokerat kapital, miljarder kronor 5,5 5,5 6,6 5,5 6,6 R 0 1ntabilitet, % 21,1 14,6 28,5 14,9 21,9 Antal befattningar 1 000 981 1 088 1 016 1 133 6 1 Private Bankings ledande position i Sverige bekr 0 1ftad C h 0 2gre f 0 2rs 0 1ljning och kundtillstr 0 2mning 6 1 Konkurrenskraftig f 0 2rvaltning av placerade medel och gradvis h 0 2gre int 0 1kter fr 0 2n v 0 1rdeutveckling 6 1 Ers 0 1ttning till fondandels 0 1gare till f 0 2ljd av bristf 0 1llig information om priss 0 1ttningsmodell Kommentarer till o г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 7 6 4 0 7 0 5 0 3 0 0 ~ 0 5 0 7 0 5 0 0 0 2 0 5 0 7 6 4 0 7 ~ 0 9 0 0 0 7 0 5~ 0 7 0 9 0 4 0 2 0 4 0 0 0 2 0 4 0 3 0 5 0 0~ 0 9 0 2~ 0 5 0 7 0 2 0 5 0 9~ ~ 0 1 0 5 ~ 0 4 0 2 0 5 г 0 2 0 3 ~ 0 5 0 7 0 5K f 0 2 0 3 0 9 0 7 0 2~ 0 5 г OMMV 0 5 г 0 2 0 9 0 0 0 7 0 5OO 0 4 0 3 0 7 0 2 I 0 5 0 3 0 0 0 5 0 2 0 7 0 4 0 2 0 5 0 7 6 4 0 7 0 2OJ 0 4 0 3 0 7 0 2 0 0 0 2 0 7 0 5 0 0 6 4 0 2 0 0 0 0 0 7 0 2 0 4 0 0 0 5 0 2 0 1 0 0 0 5 г 0 6~ 0 1 ~ 0 9~ ~ 0 1 0 5~ 0 0 0 1 0 3 0 0 0 7 0 7 0 5 ~ 0 4 0 2 0 5J 0 4 0 3 0 5 ~ 0 2 0 5~ 0 9 0 4 0 2 0 5 0 7 0 1~ 0 7 ~ 0 5 0 7 0 2 0 3 0 9 0 7 IPUPj 0 9 ESRQFK` 0 4 ~ 0 0 0 7J 0 2 0 3 0 9 0 7 0 2~ 0 6~ 0 5 ~ 0 9~I 0 0 0 7 0 5~ 0 2 0 5 0 7 0 1 6 4 0 0~ 0 3 0 2 0 7 0 1 0 3 0 0 0 7 0 5~ 0 5 0 7 0 7 0 2 0 5 0 4 0 5~ 0 2 0 7 0 0~ 0 6 0 7 0 5 0 5 0 7 0 9 6 4 0 3 0 2 0 7 0 2 0 7 0 4 IRVUj 0 9 EUVOFK f 0 2 0 3 0 9 0 7 0 2~ 6 4 0 6 0 7 0 9~ 0 5 0 7 0 5 0 4 0 3 0 9 0 5 6 4 0 2 0 7 0 0~ 0 6 0 0 0 7 0 5NURj 0 9 0 1 0 1 0 5 г 0 1 0 5~ 0 6~ pb_~ 0 2 0 6 0 3 0 2 0 5 6 4 0 9~ 0 1 0 1~ 0 5 0 7 0 5 0 7 0 2 0 0 0 3 0 7 0 5 0 6 0 5 0 5 0 4 0 2 0 5 0 9 0 5 0 5 0 3 0 2 0 2 0 0 0 5 0 7 0 5~ 0 2OMMSKj 0 4 0 5 0 7 0 1 0 1 0 7 0 2 0 5 г 0 5 0 5 0 7 0 2 0 0 0 3 ~ 0 1 0 1 0 0 0 3 0 2 ~ 0 2 0 6 0 3 0 2 0 5 b 0 4 ~ 0 5 г ~ 0 5 0 9 0 5 0 5~ 0 1 6 4 0 2 0 0 0 5 0 9 0 0~ 0 2 0 6 0 7 0 5 0 7 ~ 0 7 0 5 6 4 0 2 0 9 0 4 0 5 0 2~ 0 5 0 7 0 5~ 0 0 0 2~ 0 2 0 5 0 0 0 7 0 5 0 5 0 4 ~ 0 2J 0 4 0 3 0 5 0 5 0 1 г 0 5 0 7 0 2 0 5 0 4 0 2 0 5 0 7 0 2~Kc 0 4 0 2 0 5~ 0 2 0 5 0 7 0 1 0 5 0 3 0 0~ 0 2~ 0 5 0 7 0 5 0 6 0 7 0 2 0 5 0 9~ 0 5 0 4 0 2 0 5 0 7 0 2~ 0 2 0 5 0 4 0 0 0 7 ~ 0 5 0 7 0 5 0 2 0 7 0 4 0 0 0 0 0 4 0 5 0 7 0 1 0 1 0 7 0 2Kpb_ 0 5~ 0 5 0 3 0 5 г 0 6~ 0 1 ~ 0 9 0 4 0 0 0 7 0 2 0 5 0 7 ~ 0 2 0 6 0 7 0 5 0 7 ~ 0 7 0 5 0 4 0 0 6 4 0 6 0 7 0 9~ 0 5 0 2 0 7 0 0~ 0 6 K pb_ 0 5~ 0 2 0 7 0 3 0 2~ 6 4 0 0 0 4 0 5 0 7 0 1 0 1 0 7 0 2I 0 5 6 4 0 5 0 7 0 7 0 2 0 2~ 0 5~ 0 2 0 5 0 1~ 0 4 0 0 0 7 0 2 0 4 0 0 0 5 г 0 5 0 7 0 1 0 2 0 2 0 0 0 0 0 7 0 1 0 1~ 0 2 0 2 0 6 0 7 0 5 0 7 ~ 0 7Kj 0 4 0 5 0 7 0 1 0 1 0 7 0 2~ 0 2 0 6 0 3 0 2 0 5 0 5 0 2 0 7 0 1 0 3 0 2 0 0 0 7K h 0 4 0 5 0 2~ 0 5 0 7 0 2~ 0 5 г 0 5 0 7 0 1 6 4 0 7 0 5 г 0 2 0 9 0 0 0 7 0 5S 0 4 0 3 0 7 0 2 K pb_ 0 3 0 5 0 7 0 2 0 2 0 3 0 5 0 5 г 0 5 ~ 0 5 0 4 0 2 0 5 0 5 г 0 6~ 0 1 ~ 0 7 0 2 p 0 6 0 7 0 0 0 7Kk 0 7 0 4J 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2 6 4 0 5 0 7 0 2 0 5 0 6 0 7 0 2 0 5 0 9~ 0 5 0 4 0 2 0 5 0 0~ 0 9 0 2~ 0 5 0 7 0 2 0 5 г 0 2 0 3 ~ 0 5 0 7 0 5 0 2 0 5 0 7 OMMV 0 4 0 5 0 5 0 4 ~ 0 5 0 1 г 0 5 0 7 0 2 0 5 6 4 0 2 0 9 0 4 ~ 0 3 0 2 0 7 0 5 0 4 0 2 0 5 0 7 I 0 1 0 2 0 7 0 0 0 7 0 5pb_W 0 5 0 7 0 9 0 4 0 0 0 0 0 7 0 2 0 5~ 0 4 0 2Kpb_ 0 5~ 0 5 0 7 0 5 0 7 0 5 г 0 5 ~ 0 2 0 7 0 4 0 2 0 5 0 1 г 0 5 0 7 ~ 0 9 0 7J 0 4 0 3 0 5 0 4 0 2 0 1 0 0~ 0 4 0 2 0 5 0 5 0 4 0 2 0 5 0 7 0 2 0 5 0 7 6 4 0 7 K a 0 6 0 5 0 4 0 2 0 7 0 2 0 5 0 5 г 0 6~ 0 1 ~ 0 5 0 7 0 9~ ~ 0 1 0 5 0 7 0 0 0 0 0 7 0 5NNIS 0 4 0 3 0 7 0 2 0 1 0 1 NOTR 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 0 5 0 3 0 0 0 5 6 4 0 0 0 2 0 5~ 0 6 г 0 9~ 0 5 0 7 0 0~ 0 9 0 2~ 0 5 0 5 0 6 0 3 0 5 0 7 0 2 0 4 0 3 0 5 0 7 0 2 0 0 0 4 0 5 0 2 0 7 0 4 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 6 4 QN 0 0 0 1 ~ 0 5 0 7 EPPFKc г 0 6~ 0 1 0 2 0 2 0 0 0 7 0 2~ 0 6 0 1~ 0 3 0 7 ~ 0 5 0 7 0 0 0 7 0 5 0 7 0 1 0 5 г 0 2 0 3 ~ 0 5 0 7 0 5 0 9 ~ 0 5 0 0 0 2 0 5 0 7 OMMVKSQ 0 4 0 3 0 7 0 2 EPQF~ 0 6 0 4 0 5 г 0 1 0 7 0 2~ 0 4 0 3 0 5TP 0 4 0 3 0 7 0 2 EPPF~ 0 6 0 5 0 7 0 5 г 0 6~ 0 1 ~ 0 5 0 7 0 9~ ~ 0 1 0 7 0 1 6 4 0 0 г 0 6 0 7 0 7 0 5 0 7 0 9 0 6 0 7 0 3 0 0 0 5 г 0 7 0 1 0 5 0 7 0 2 0 5 0 7 0 9K d ~ 0 5 0 6 0 5 0 5 г 0 2 0 3 ~ 0 5 0 7 0 1 0 1 0 0 6 4 0 2 0 0 0 5 0 6 0 3 0 5 0 7 0 2 0 5 0 3 0 9 0 7f 0 2 0 5 0 4 0 2~ 0 1 ` 0 1 0 7 0 2 0 5 0 7 0 5 0 1 ~ Km 0 7 0 5 ~ 0 4 0 2 0 5 0 7 0 1~ 0 7 ~ 0 5 0 7 0 2 0 3 0 9 0 7 0 5~ I 0 4 0 5 0 7 0 1 0 3 0 0 0 7 0 5~ 0 1 0 1I 0 0 0 7 0 2 0 7 0 7 ~ 0 5 0 5 6 4 0 2 0 7 г 0 9~ ~ 0 2 ~ 0 1 0 5 0 4 0 2 0 5 0 7 0 4 0 3 0 5 0 0~ 0 2 0 5~ Kq ~ 0 2 0 5~ 0 9 0 4 0 2 0 5 0 2 0 3 0 9 0 7 0 2~ 0 5 6 4 0 2 0 5 0 7 0 5 0 9~ 0 5~ 0 5 0 0 0 5 0 7 0 5 0 5 0 4 0 2 0 5 0 7 0 2~I 0 5 0 4 0 0 0 6~ 0 5 0 3 0 2 0 0 0 5~ 0 2 г ~ 0 2~ 0 6 6 4 0 7 0 5 г ~ 0 5 0 9 0 5 0 5~ 0 2 0 6 0 7 0 5 0 7 ~ 0 2~I 6 4 0 7 0 6 0 3 0 2 0 5 0 7Kk 0 7 0 4 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2 г 0 9~ 0 5 0 7 0 0 0 7 0 5TU 0 4 0 3 0 7 0 2 0 1 0 1PN 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 ENTFKa 0 5 0 2 0 4 0 2 0 7 0 2 ~ 0 6 0 7 0 5 0 7 ~ 0 5 0 5 0 4 0 2 0 5 0 7 0 6 0 3 0 9 0 7 0 5 6 4 0 6 0 3 0 1 p 0 6 0 7 0 0 0 7 0 5 0 4 0 0 0 0 0 1 0 4 0 2~ 0 1 K o 0 5 0 9~ 0 7 0 2 г 0 9~ 0 5 0 7 0 2 0 5 0 7 6 4 0 7 0 4 0 3 0 5 0 5 0 7 0 0 0 7 0 5 0 4 0 1 0 3 ~ 0 5 0 4 0 2 0 5 0 7 0 2~ 6 4 0 7 0 5~ 0 2 0 2 0 5 0 2 0 1~ 0 2 0 5 0 0 0 1 0 4 0 2~ 0 1~~ 0 9 0 7 0 5 0 4 0 2 0 5 0 7 K m 0 6~ 0 7_~ 0 2 0 9 0 2 0 0 0 5 0 2 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 0 0 3 0 9 0 1 0 1NT 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 ENVFKa 0 7 0 5 г 0 6~ 0 1 ~ 0 5 0 7 0 9~ ~ 0 1 0 7 6 4 0 7 0 5 0 3 0 0 ~ 0 5 0 7 0 5 0 0 0 4 0 3 0 5 г 0 9~ 0 5 0 7 0 0 0 7 0 5OV 0 4 0 3 0 7 0 2 Km 0 6~ 0 7_~ 0 2 0 9 0 2 0 0 0 5 0 2 0 6 0 7 0 5 0 7 0 2 0 0 0 5J 0 4 0 0 ~ 0 0I 0 5 0 4 0 0 0 5 0 5 ~ 0 1 0 1~ 0 5 0 3 0 1 ~ 0 9 0 2 0 5 0 7 0 2~ 0 2 6 4 0 7 0 2 0 0 0 7 0 5 ~ 0 2 0 1~ 0 6 0 9~ 0 5 0 2 0 2 0 0I 0 6~ 0 5 ~ 0 0 0 0 6 4 0 2 0 0 0 5 0 9~Ka 0 7 0 6~ 0 3 0 6 0 7 0 2 0 4 0 5 0 9 0 7 0 2~ 0 2 0 4 0 0^ 0 9 0 7 0 5~ 0 2 0 5 0 7 0 1Jk 0 4 0 5 0 3p 0 7 0 1 0 7 0 3 Ik 0 4 0 5 0 3 ^ 0 2 0 5 0 4 0 1 0 7o 0 7 0 2 0 4 0 3 0 5k 0 4 0 5 0 3f 0 5 0 7~ 0 5J 0 0 0 7 0 5 0 7 0 5 0 1 ~ 0 6 0 3 0 1 г 0 6 0 7 0 5 0 2~ 0 3 0 0 0 5 г 0 7 0 1 0 5 0 7 0 2 0 5 0 7 0 9Kh 0 2 0 5 0 2 0 5 0 1 г 0 5 0 7 0 6~ 0 5 0 4 0 5~ 0 5 ~ 0 9 0 4 0 3 0 5 0 5 0 7 0 5 0 7 0 2~ 0 5 0 7 0 7 6 4 0 7 0 2 0 5~ ~ 0 2 ~ 0 1 0 7 0 9 0 2 0 5 0 7 г 0 9~ 0 0 0 7 0 5NT 0 4 0 3 0 7 0 2 K NS
1 3Liv a 0 6 0 5 0 4 0 2 0 7 0 2 0 2 0 7 0 5 6 4 ~ 0 6 0 7~ 0 5 0 5 0 3 0 5 0 4 0 0 6 4 0 5 0 7 0 2Wpb_q 0 0 0 0i 0 6Ep 0 6 0 7 0 0 0 7FIpb_m 0 7 0 2 0 5 0 4 0 2Ea~ 0 2 0 0~ 0 9F~ 0 2 0 5pb_i 0 5 0 7Cm 0 7 0 2 0 5 0 4 0 2f 0 2 0 7 0 2~ 0 4 0 2~ 0 1K Resultatr 0 1kning Jan- dec % % % R 0 1ntenetto - 1-2 - 50-4 - 75-18 - 36-50 Livf 0 2rs 0 1kringsint 0 1kter netto 1 145 1 107 3 739 55 4 443 3 296 35 Int 0 1kter 1 144 1 105 4 735 56 4 425 3 260 36 Personalkostnader - 263-271 - 3-292 - 10-1 107-1 105 0 0 0vriga kostnader - 144-120 20-117 23-536 - 523 2 Av- och nedskrivningar av tillg 0 2ngar - 167-158 6-115 45-667 - 569 17 Kostnader - 574-549 5-524 10-2 310-2 197 5 R 0 2relseresultat 570 556 3 211 170 2 115 1 063 99 F 0 2r 0 1ndring i 0 2verv 0 1rden fr 0 2n verksamheten, netto 170 224-24 380-55 900 989-9 Verksamhetsresultat 740 780-5 591 25 3 015 2 052 47 K/I-tal 0,50 0,50 0,71 0,52 0,67 Allokerat kapital, miljarder kronor 6,8 6,8 7,5 6,8 7,5 R 0 1ntabilitet, % baserat p 0 2 r 0 2relseresultat 29,5 28,8 9,9 27,4 12,5 baserat p 0 2 verksamhetsresultat 38,3 40,4 27,7 39,0 24,1 Antal befattningar 1 173 1 184 1 226 1 191 1 233 1 7 1 7 1 7 B 0 1sta 0 2rsresultatet n 0 2gonsin med st 0 2d av en positiv marknadstrend H 0 2gre f 0 2rs 0 1ljning och premieinkomst med st 0 2d av multikanalsdistribution Vinst 0 2kning inom samtliga aff 0 1rsomr 0 2den Kommentarer till o г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 7 0 5 г 0 5 0 2 0 2 0 1~ 0 5 0 7 0 5 0 3 0 0 0 5 г 0 0 0 7 0 5OMMUKg 0 5 0 7 ~ 0 5 г 6 4 0 7 0 6 0 2 0 2 0 2 0 0~ ~ 0 6 0 0~ ~ 0 2 6 4 ~ 0 0~ 0 2 0 5 0 7 0 2 ~ 0 5 0 4 0 2 0 7 0 1 0 1 0 5 г 0 5 0 3 0 9 0 2 0 0 г 0 9~ 0 5 0 7 0 7 0 5 0 1 ~ 0 7 0 0 0 7 0 5OV 0 4 0 3 0 7 0 2 K^ 0 1 0 1~ ~ 0 5 0 5 0 3 0 5 0 4 0 0 6 4 0 5 0 7 0 2 0 6 0 5~ 0 5 0 7 0 2 0 7 0 5~ 0 2 0 5 0 7 0 6 0 2 0 5 г 0 9 0 2 0 2 0 0 0 3 0 0 0 5 г 0 0 0 7 0 5 OMMUK c 0 4 0 2 0 5 0 5 г 0 5 0 3 0 9 0 2 0 0 0 5 0 2 0 3 0 9 0 7 0 2~ 0 5 0 4 0 5~ 0 7~ 0 5 г 0 2 0 3 ~ 0 5 0 5 0 4 0 0 0 7 0 5 0 1 ~ ~ 0 6 0 7 0 2 0 4 0 5 0 6 0 0~ 0 9 0 2~ 0 5 0 5 0 7 0 2 0 5 0 5 0 7 0 5~ 0 2~ 0 1 0 5~ 0 0 0 7 0 2 г 0 9~ 0 5 0 5 0 9 0 2 0 7 0 2 0 3 0 0 0 7 0 2 0 5 0 7 0 5 0 4 0 5 0 5 г 0 5 0 3 0 9 0 2 0 0 0 5 ~ 0 0~ 0 2~~ 0 2 ~ 0 5 6 4 0 2 0 3 0 2 0 7 0 2 0 3 ~ 0 2 0 5 0 7 0 4 0 5 0 9 0 7 0 1 0 1~ 0 9 0 7 0 7 0 1~ 0 7 ~ 0 5 0 7~ 0 1 0 7 0 2~ 0 6Ka 0 7 0 4 ~ 0 1~ 0 5 0 4 0 2 0 5 0 6 0 3 0 5 0 7 0 6 0 5 0 7 0 4 0 5 0 7 0 2 0 5 0 0 6 4 0 2 0 0 0 6~ PS 0 4 0 3 0 7 0 2 0 5 г 0 0 0 7 0 3 0 2 0 5 г 0 7 6 4 0 5 0 7 0 5~ 0 2Ko 0 7 0 5 0 1 ~ 0 7 0 5 г 0 5 0 9 0 4 0 5 0 9 0 7 I 0 5 0 4 0 0 0 5 0 9J 0 4 0 3 0 5 0 6 6 4 0 5 0 5 г 0 5 0 3 0 9 0 2 0 0I 0 6~ 0 5 г 0 0 0 7 0 3 0 2 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 6 4 K ^ 0 6 0 9~ 0 5 0 2 0 2 0 0 0 7 0 2 6 4 0 1~ 0 3 0 7 0 2 0 0~ 0 5 г 0 7 0 0 0 7 0 2 0 3 0 9 0 2 0 2 0 0 0 5 0 7 0 2 0 5~ 0 2 0 5 0 9~ 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 0 7 0 2 0 6~ 0 5 г 0 0 0 7 0 3 0 2 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 6 4 6 4 0 0 0 2 0 5~ 0 6 0 5~ 0 1 0 1~ 0 2 0 5 0 7 0 3 0 2 0 4 K 0 4 0 6 0 7 0 2 0 9~ ~ 0 1~ 0 6 0 9~ 0 5 0 2 0 2 0 0 0 7 0 2 0 5 г 0 9 0 2 0 5 0 7 0 5 0 3 0 9 0 2 0 2 0 0 0 5 0 7 0 2 ~ 0 5 0 4 0 2 0 7 0 1 0 1~ 0 1 0 6 0 5 г 0 5 0 3 0 9 0 2 0 0 0 5 0 4 0 5 г 0 1 0 7 0 2 0 5 г 0 2 0 3 ~ 0 5 0 7 0 5 0 1 0 1 0 7 0 2 0 1 0 1 0 5 0 7 0 5 0 5 0 5 0 3 0 1 0 1~ 0 2 0 5 0 7 0 2 0 6 6 4K q 0 5 0 0~ 0 7 6 4 0 5~ 0 6 0 5 0 3 0 2 0 2 0 0~ 0 5 г 0 0~ ~ 0 2 6 4 ~ 0 0~ 0 2 0 5 0 7 0 2 0 5 0 7 0 2 ~ 0 5 0 4 0 2 0 7 0 1 0 1~ 0 1 0 6 0 5 г 0 5 0 3 0 9 0 2 0 0 0 5 0 4 0 5 г 0 1 0 7 0 2 p 0 6 0 7 0 0 0 7 0 9 0 2 0 5 0 7 0 1 0 1 0 5 0 4 0 5 0 7 0 1 6 4 0 7 0 6 0 2 0 2~ 0 5 0 0 0 7 0 5 0 7 0 2 0 4 0 5 0 6 0 7 0 5 0 1 ~ 0 7 0 5 0 5 0 7 0 9 6 4 OUSj 0 9 EJPRPFI~ 0 6 0 6 0 1 0 9~QPj 0 9 ~ 0 6 0 5 0 7 0 5 0 7 0 5 0 3 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 K 0 7 0 5 6 4 0 7 0 2 0 5 0 7~ 0 6 0 5 0 3 0 2 0 2 0 0~ 6 4NMRj 0 9 0 5 6 4 0 2 0 5 0 0~ 0 7 6 4 0 3 6 4 0 7 0 6 0 2 0 2 0 2 0 0 0 5 0 2~ ~ 0 4 0 0 0 5 0 7 0 2 0 5 ~ 0 0 0 5~ 0 9~ ~ 0 1~ 0 6 0 9~ 0 5 0 2 0 2 0 0 0 7 0 2 0 3 0 1 0 1 0 3 0 3 0 9 0 1 0 0 0 5 г ~ 0 5 0 1 0 1~ 0 0~ ~ 0 2 0 7 ~ 0 5 0 7 6 4 0 7 0 2 0 3 0 2 0 0 0 5 0 2 0 6 6 4 0 7 K h 0 4 0 5 0 2~ 0 5 0 7 0 2~I 0 7 0 9 0 9 0 1 0 5 0 6 0 7~ 0 6 0 5 0 9 0 6 0 2 0 2 0 0~ I 0 6~ 0 5 ~ 0 2 0 1~ 0 3 0 0 0 5 г 0 0 0 7 0 5 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 6 4 I 0 0 0 7 0 2 0 0 0 2 0 5 0 9~ 0 5 0 7 0 5 0 7 ~ 0 5 г 0 5 0 7 0 2 0 2 0 7 0 0~ 0 6~ 0 4 0 0 0 3 0 9 0 2 0 2 0 0 0 5 0 7 0 5 0 5 0 7 0 9 0 7 0 2 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 5 0 7 0 2 0 5 г 0 5 0 6~ 0 0~ 0 5 0 7 0 5 0 6 0 7 0 2 0 5 0 9~ 0 6~ 0 1 ~ 0 2K^ 0 6 0 5 0 9 0 6 0 2 0 2 0 0~ 0 2~ 6 4~ 0 9 0 6 0 7 ~ 0 5 0 7 ~ 0 2 0 5 0 9~ 0 5 0 5 0 2 0 2 0 0 0 5 0 9 0 4 0 5 0 2~ 0 5 0 7 г 0 9~ 0 5 0 7I 0 6 0 1 0 9 0 7 0 9 0 4 0 0 0 0 0 7 ~ 0 5 0 4 0 0 6 4Ka 0 7 г 0 9~ 0 5 0 7~ 0 6 0 5 0 9 0 6 0 2 0 2 0 0~ 0 2~ 0 5 0 9~ 0 1 0 1 0 5 0 4 0 3 0 9 0 5 0 3 0 1 0 1~ 0 5 0 7 0 1~ 0 4 0 2 0 1 0 1 г 0 9~ 0 2 0 5 0 7 0 5 0 4 0 2 0 5 0 5 г 0 5 0 3 0 9 0 2 0 0 0 5 0 2 0 3 0 9 0 7 K c 0 4 0 2 0 5 0 5 г 0 5 0 3 0 9 0 2 0 0 0 3 0 5 0 4 0 5~ 0 5 0 7 0 2 0 6 0 9 0 0~ 0 5 0 7 0 4 0 5 0 9 0 7 0 2 0 0 0 7 0 5 0 7 0 2~ 0 2 0 5 0 7 0 1 6 4UM 0 4 0 3 0 7 0 2 ETRF~ 0 6 0 5 0 7 0 2 0 4 ~ 0 1~ 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2K^ 0 2 0 5 0 7 0 1 0 7 0 2 0 5 г 0 7 ~ 0 0 0 5 0 2 0 7 ~ 0 1 0 5~ 0 7 0 2 0 5 0 4 0 2 0 5 0 4 0 5 0 9 0 7 0 0 0 2 0 5 0 9~ 0 5 0 7 0 1 0 1SN 0 4 0 3 0 7 0 2 ESVF 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 7 0 2 0 5 ~ 0 9 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 ~ 0 6 0 9~ ~ 0 1 0 5 г 0 5 0 3 0 9 0 2 0 0~ p 0 6 0 7 0 0 0 7Kr 0 2 0 5 0 7 0 5 0 7 ~ 0 2 0 5 ~ 0 5~ 0 1 0 6 6 4 0 7 г 0 9~ 0 5 0 7 0 5 0 4 0 3 0 9 0 5 0 7 0 2 0 5 г 0 7 ~ 0 0 0 5 0 2 0 7 ~ 0 1 0 5~~ 0 2 0 5 0 7 0 1 0 7 0 2 0 2 6 4 0 0 0 4 K a 0 7 0 2 0 4 ~ 0 1~ 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2I 0 0 0 3 0 5 0 4 0 0 0 6 0 3 0 0 0 5 0 6 0 4 0 1 0 0I г 0 9~ 0 5 0 7 0 0 0 7 0 5Q 0 4 0 3 0 7 0 2 0 4 0 3 0 5~ 0 2 0 5 0 7 0 1 0 7 0 2 0 5 г 0 5 0 3 0 9 0 2 0 0 0 5~ 0 6 ~ 0 1 0 0 0 7 0 5 0 1 г ~ 0 2 0 5 0 7 0 7 0 0 0 7 0 6~ UM 0 4 0 3 0 7 0 2 EUOFKj~ 0 0 0 2~ 0 1 0 7 0 2 6 4 0 2 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2 0 6~ NQIP 0 4 0 3 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5NUIS 0 4 0 3 0 7 0 2 0 5 г 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 6 4 Kfp 0 6 0 7 0 0 0 7 г 0 9~ 0 5 0 7 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 5 0 6 0 4 0 1 0 0 0 7 0 2 0 0 0 7 0 5NM 0 4 0 3 0 7 0 2 0 0 0 7 0 5~ 0 2 0 5 0 7 0 2 a~ 0 2 0 0~ 0 9 0 0 0 2 0 5 0 9~ 0 5 0 7 0 0 0 7 0 5R 0 4 0 3 0 7 0 2 K c г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2~ 0 6 0 4 0 5 0 9 0 7 0 2m 0 4 0 5 0 4 0 1 0 4_ 0 4 0 2 0 5 p 0 6 0 7 0 0 0 7I 0 7 0 5 0 4 0 6 0 5~ 0 5 pb_i 0 5 0 7Cm 0 7 0 2 0 5 0 4 0 2f 0 2 0 7 0 2~ 0 4 0 2~ 0 1I г 0 9~ 0 5 0 7 0 0 0 7 0 5 V 0 4 0 3 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 6 4 0 5 0 7 0 9 0 4 0 5 0 6 0 4 0 1 0 0K c г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2 0 5 0 7 0 2~ 0 1 0 5 0 9~ 0 1 0 3 0 2 0 5 0 7 0 2~ 0 6~ OV 0 4 0 3 0 7 0 2 0 1 0 3 0 0 0 7 0 3 0 2 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 6 4 0 4 0 3 0 5 0 4 ~ 0 1 0 6 0 4 0 1 0 0 0 7 0 2 0 6~ 0 1 6 4 0 0I 0 3 0 6 0 7 0 2 0 4 0 0 0 5 0 7 0 2 0 5 г 0 2 0 3 ~ 0 5 0 7 0 5 0 0 0 4 0 5 0 1 0 7 ~ 0 6 6 4 0 7 K a 0 7 0 2 0 4 ~ 0 1~ 0 7 0 0 0 7 0 2 0 9 0 4 0 0 0 5 0 7 0 2 0 5 0 7 0 0 0 0 0 7 0 5S 0 4 0 3 0 7 0 2 0 1 0 1 PMIS 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 EOUIVFKs 0 3 0 5 0 7 ~ 0 6 0 5 0 4 0 2 0 5 0 5 г 0 5 0 3 0 9 0 2 0 0 0 5J 0 1 0 1 0 0 6 4 0 2 0 0~ 0 2~ 0 0 0 3 0 9 0 1 0 1NRS 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 0 3 0 0 0 5 г 0 0 0 7 0 5 NNR 0 0 0 1 ~ 0 5 0 7 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 6 4 Ka 0 7 0 4 ~ 0 1 0 5 г 0 6~ 0 1 ~ 0 5 0 7 0 9~ ~ 0 1 0 7 I 0 2 0 7 0 4 0 1 0 1 0 0 6 4 0 2 0 0~ 0 2~I 0 5 0 7 0 0 0 0 0 7 0 5NP 0 4 0 3 0 7 0 2 0 1 0 1QMO 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 K NT
1 3 Baltikum a 0 6 0 5 0 4 0 2_~ 0 1 0 9 0 0 0 2 0 7 0 5 6 4 ~ 0 6 0 7~ 0 5 0 5 0 3 0 5 0 4 0 0 6 4 0 5 0 7 0 2Wb 0 5 0 1~ 0 2 0 5Ii 0 7 0 1~ 0 2 0 5 0 4 0 3 0 5i ~ 0 7 0 2K Resultatr 0 1kning Jan- dec % % % R 0 1ntenetto 522 628-17 923-43 2 679 3 555-25 Provisionsnetto 221 227-3 242-9 934 948-1 Nettoresultat av finansiella transaktioner 31 35-11 45-31 126 150-16 0 0vriga int 0 1kter netto 57-6 41 39 55 130-58 Int 0 1kter 831 884-6 1 251-34 3 794 4 783-21 Personalkostnader - 137-176 - 22-174 - 21-730 - 743-2 0 0vriga kostnader - 464-307 51-330 41-1 452-1 228 18 Av- och nedskrivningar av tillg 0 2ngar - 21-15 40-23 - 9-2 389-86 Kostnader - 622-498 25-527 18-4 571-2 057 122 Resultat f 0 2re kreditf 0 2rluster 209 386-46 724-71 - 777 2 726-129 Kapitalvinster och -f 0 2rluster fr 0 2n tillg 0 2ngar - 16 3-17 Kreditf 0 2rluster -2 584-2 642-2 - 853-9 569-1 709 R 0 2relseresultat -2 391-2 253 6-129 -10 363 1 017 K/I-tal 0,75 0,56 0,42 1,20 0,43 Allokerat kapital, miljarder kronor 11,8 11,8 10,8 11,8 10,8 R 0 1ntabilitet, % negativt negativt negativt negativt 8,0 Antal befattningar 3 093 3 252 3 353 3 275 3 404 1 7 Motst 0 2ndskraftiga int 0 1kter trots utmanande ekonomisk situation 1 7 SEB rankat som nummer 1 av privatkunder i Baltikum 1 7 F 0 2rb 0 1ttrad riskbild till f 0 2ljd av l 0 2gt infl 0 2de av oreglerade fordringar och framg 0 2ngsrik work-out 1 7 Nedskrivning av all goodwill under andra kvartalet Kommentarer till o г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 7 0 5 г 6 4 0 7 0 0 0 3 0 9 0 1 0 1JNMPSPj 0 9 ENMNTFI 0 2 0 9 0 1 0 5 0 6 0 7 0 0 0 4 0 4 0 5 0 7 0 1 0 1 0 2 0 7 0 5 0 5 0 9 0 6 0 2 0 2 0 0~ 6 4OOUNj 0 9 K q 0 4 0 5 0 5 0 7 0 5 0 6 6 4 ~ 0 0~ 0 9 0 4 0 7 0 9 0 4 0 2 0 4 0 0 0 5 0 9~ 0 1 0 3 0 0 0 7 0 5 г 0 2 0 9 0 2 0 3 0 9 0 7 0 2~ 0 7 0 2 0 5~ 0 5 0 0 0 7 0 5ON 0 4 0 3 0 7 0 2 Kf 0 2 0 3 0 9 0 7 0 2~ 6 4 0 6 0 7 0 9~ 0 5 0 7 0 5 0 2 0 7 0 0~ 0 6 ~ 0 6 0 1 0 3 0 0 0 7~ 0 5 0 5 0 3 0 5 0 6 0 4 0 1 0 0 0 7 0 4 0 3 0 5 0 7 0 5 0 5~ 0 5 0 7 0 2 0 1 6 4 0 2 0 2 0 0 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0 0 0 5 0 7 0 5 0 5 0 7 0 9 0 7 Ka 0 6 0 5 0 4 0 2 0 7 0 2 0 5 0 7 0 5 0 4 0 2~ 0 1 0 9 0 4 0 5 0 2~ 0 5 0 7 0 0 0 2 0 5 0 9~ 0 5 0 7 0 2 6 4 0 0 0 4 I 0 0 0 7 0 5~ 0 2 г 0 6 0 0~ 0 9 0 4 0 5 0 2~ 0 5 0 7 0 5 0 7 0 0 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 9 0 4 0 5 0 2~ 0 5 0 7 0 5 г 0 4 0 0 0 5 0 9 0 7 0 2 0 0 0 5J 0 4 0 3 0 5 0 7 0 4 0 9J 0 4 ~ 0 2 0 7 0 7 0 4 0 3 0 5 0 7 0 2 0 7 0 5 0 3 0 2 0 2 0 0 6 4NOMj 0 9 0 1 0 1 0 4 0 2 0 1 0 0~ 0 4 0 2 0 5 0 2 0 6 0 7 0 5 0 7 ~ 0 7 b 0 5 0 1~ 0 2 0 5I 0 6 0 1 0 9 0 7 0 5 0 0~ 0 7 0 9 0 4 0 0 0 0 0 2 0 3 0 7 ~ 0 5K 0 5 0 6 0 0~ 0 9 0 4 0 5 0 2~ 0 5 0 7 0 2 0 5 0 7 0 5 0 3 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 2 0 2 0 7 0 5 г 0 1 0 1 0 3 0 6 0 7 0 2 0 9 0 4 0 5 0 2~ 0 5 0 7 0 5 г ~ ~ 0 4 0 2~ 0 1 0 5 0 7 ~pb_w 0 5 0 9 0 4 0 2 0 4 0 5 0 2 0 3 _~ 0 1 0 9 0 0Kr 0 2 0 5 0 7 6 4 0 7 0 5 0 3 0 2 0 0 0 5 0 7 0 5PN 0 9 0 4 0 2 0 4 0 5 0 7 0 7 0 2~ 0 1 0 5 0 9~ 0 1 0 3 0 2 0 5 0 7 0 2~K m 0 7 0 5 0 4 0 2~ 0 1 0 5 0 9~ 0 2 0 7 0 5 0 3 0 7 ~ 0 5 0 7 0 5 0 0 0 7 0 5 0 5~ 0 0 0 0~ 0 2 0 1~ 0 0 OSM 0 7 0 5 0 4 0 2 0 7 I 0 6 0 1 0 9 0 7 0 1 0 7 0 5 0 5 0 7 0 1 0 1~ ~ 0 2 ~ 0 1 0 7 ~ 0 2 0 5 0 3 0 1 0 1 0 5~ 0 5 г 0 2 0 9 0 1 0 1 PMVPEPPRPFK a 0 7 0 5 0 6 6 4 ~ 0 0~ 0 9 0 4 0 7 0 9 0 4 0 2 0 4 0 0 0 5 0 9~ 0 1 0 3 0 0 0 7 _~ 0 1 0 9 0 0 0 1 0 7 0 5 0 5 0 7 0 1 0 1 0 5 0 4 0 5~ 0 5 г 0 0~ 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 0 5 г 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 6 4VRSVj 0 9 ENTMVFKs 0 4 0 1 0 0 0 7 0 2 0 4 0 5 0 3 0 9 ~ 0 5 0 4 0 5 0 2 0 0~ г 0 9~ 0 5 0 7 0 9 ~ 0 5 0 0 0 2 0 5 0 7 6 4 0 7 I 0 3 0 6 0 7 0 2 0 4 0 0 0 6 0 4 0 1 0 0 0 7 0 2 0 4 0 7 0 0 0 1 0 7 ~ 0 5 0 7 0 5 0 4 0 5 0 2 0 0~ 0 1 6 4 0 2 0 1~ 0 2~ 0 5 0 7 0 2 0 5 0 7 0 5 0 3 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 K r 0 2 0 5 0 7 6 4 0 7 0 5~ 0 1 0 7 0 5 0 2 0 2 0 0 0 7 0 2 0 5 0 5 0 4 0 9 0 5 0 0 ~ 0 5 0 6 0 5 0 5 0 1 ~ 0 5 0 0 0 4 0 5 0 7 0 2 0 1 6 4 0 2 0 0 0 5 0 9 0 0~ 0 6 0 7 0 3 0 9 0 1 0 2 0 0 0 7 0 2~ 0 6 0 5 0 7 0 2 0 7 0 5~ 0 2 0 5 ~ 0 9~ 0 9 0 2 0 5 0 2~ 0 5 0 7 0 2Kf 0 2 0 4 0 6 0 7 0 0 0 2 0 7 ~ 0 2 0 9~ 0 5 0 7 0 6~ 0 9 0 2 0 5 0 7 _~ 0 1 0 9 0 0 pb_ 0 5 0 4 0 0 0 2 0 0 0 0 0 7 N 0 7 0 0 0 4 0 2 0 7 0 2Kpb_ 0 5 0 3 0 6~ 0 7 0 5 0 7 ~ 0 2 0 7 0 5 0 6~ 0 4 0 0 0 5 0 9 0 7 0 2 0 0 0 5J 0 4 0 3 0 5 0 7 0 4 0 9J 0 4 ~ 0 2 0 7 0 7 0 1 0 1 0 5~ 0 0 0 0~ 0 2 0 5 0 0 0 7 0 5 0 9 0 2 0 5 0 7 0 2~ 0 5 г ~ 0 5 ~ 0 7 0 2 0 0 0 7 0 0 0 7 0 2 0 5~ 0 0 0 0 0 2 0 5 0 5 г ~ ~ 0 5 0 0 0 0 0 7 0 2 0 4 0 0 0 7 0 2 0 5 0 6 6 4 0 5 ~ 0 4 0 2K j 0 7 0 2 0 5 0 4 0 0~ 0 4 0 2 0 4 0 0 0 5 0 7 0 2 0 2 0 6~ ~ 0 2 0 5 0 7 0 5 ~ 0 4 0 2 0 7 0 2 0 5 0 7 0 2~ 0 1 0 5 0 9~ 0 1 0 3 0 2 0 5 0 7 0 2~ 0 5 0 2 0 2 0 5 6 4 0 5 0 5~ 0 2NVK pb 0 4 0 9 0 5 0 1 0 5 0 9 0 4 0 0 0 0 0 2 0 9 OMMV NU
1 3 Baltikum - uppdaterad information 1 7 Makroekonomiska utmaningar, men perioden av kraftiga BNP-fall 0 1r 0 2ver 1 7 Skr 0 1ddarsydd omstrukturerings- och work-outverksamhet i n 0 1ra samarbete med kunderna 1 7 P 0 2taglig minskning av h 0 2griskvolymer och nya oreglerade fordringar Makroekonomiska utsikter a 0 7 0 2~ 0 1 0 5 0 9~ 0 1 0 3 0 2 0 5 0 7 0 2~ 0 1 0 1 0 5 г 0 5 0 7 0 1 0 3 0 2 0 5 0 7 0 5 0 4 0 0 0 5 ~ 0 2 0 2~ 0 5 0 5 6 4 0 5~ 0 5 ~ 0 6 0 5 0 7 0 2 0 0 0 1 0 4 0 2~ 0 1~ 0 9 0 5 0 7 0 2 0 4 0 3 0 5 0 5 ~ 0 4 0 2 0 7 0 2 0 7 0 0 0 4 0 2 0 7 0 2 0 3 ~ 0 1 0 1 0 3 0 0 0 0~ 0 2~ 0 2 0 5 0 7 0 0 0 7 0 5 0 7 0 2~ 0 2 0 7 0 5 0 1 г 0 5 0 5 0 7 6 4 0 0 0 7 0 1 0 1~ 0 2NO 0 4 0 3 0 5 NR 0 4 0 3 0 7 0 2 Ka 0 7 0 3 0 5 ~ 0 0 0 5 г ~ 0 1 0 1 0 5 0 7 0 2 0 2 0 5 0 7 0 0 0 5 0 9~ 0 7 0 5 0 7 0 5 6 4 0 0~ 0 2 0 5 0 4 0 0 ~ 0 5~ 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 5 0 7 0 5 ~ 0 0~ 0 5 0 9~ 0 2 0 5 0 7 0 0 0 5 0 9~ 6 4 0 5 ~ 0 0 0 2 0 2 0 0~ 0 5 0 4 0 0 0 0 0 7 0 2 0 4 0 0 0 5 г 0 5 0 5 г ~ 0 2 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