1 3 Del 0 2rsrapport januari - juni 2008 STOCKHOLM DEN 16 JULI 2008 SEB f 0 2rsta halv 0 2ret: r 0 2relseresultat 5,9 miljarder kronor (8,7) 6 1 R 0 2relseresultatet uppgick till 5 917 Mkr, en minskning med 32 procent j 0 1mf 0 2rt med motsvarande period 2007. Nettoresultatet var 4 657 Mkr (6 784). 6 1 R 0 1ntenettot 0 2kade med 12 procent. Provisionsnettot minskade med 13 procent. Int 0 1kterna sj 0 2nk med 8 procent; v 0 1rderingsf 0 2rlusterna p 0 2 innehaven av r 0 1nteb 0 1rande v 0 1rdepapper uppgick till 938 Mkr. 6 1 Kostnaderna 0 2kade med 7 procent. 6 1 Kreditf 0 2rlusterna uppgick till 820 Mkr (514). Kreditf 0 2rlustniv 0 2n var 0,15 procent (0,11). 6 1 R 0 1ntabiliteten var 12,4 procent (19,8) och vinsten per aktie 6:80 kronor (10:02). SEB andra kvartalet: r 0 2relseresultat 3,5 miljarder kronor (4,6) 6 1 R 0 2relseresultatet uppgick till 3 507 Mkr. Nettoresultatet var 2 809 Mkr. 6 1 En h 0 2g aff 0 1rsaktivitet genererade int 0 1kter som n 0 1rmade sig all-time high. 6 1 V 0 1rderingsf 0 2rlusterna p 0 2 innehaven av r 0 1nteb 0 1rande v 0 1rdepapper var begr 0 1nsade: 66 Mkr. 6 1 Kostnaderna 0 2kade med 10 procent. Int 0 1kterna 0 2terfick sin styrka under andra kvartalet till f 0 2ljd av volymtillv 0 1xt och h 0 2g f 0 2rs 0 1ljningsaktivitet. V 0 2ra investeringar i framtida intj 0 1ning i kombination med en stark kapitalbas och tillg 0 2ng till likviditet skapar den stabilitet som kr 0 1vs under nuvarande omst 0 1ndigheter. Annika Falkengren R 0 2relseresultat Miljarder kronor 4,6 3,7 0,8* 3,5 R 0 1ntabilitet Procent 20,7 17,3 20,2 15,2 Vinst per aktie Kr 5,21 4,59 5,49 4,10 Prim 0 1rkapitalrelation* Procent 8,5 8,3 8,6 8,9 8,6 3,8 2,4 9,6 2,70 Kv2-07 Kv3-07 Kv4-07 Kv1-08 Kv2-08 6 1Exklusive kapitalvinster fr 0 2n f 0 2rs 0 1ljning av de baltiska fastigheterna Kv2-07 Kv3-07 Kv4-07 Kv1-08 Kv2-08 Kv2-07 Kv3-07 Kv4-07 Kv1-08 Kv2-08 Kv2-07 Kv3-07 Kv4-07 Kv1-08 Kv2-08 * Basel II 0 2verg 0 2ngsregler anv 0 1nds pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMMU N
1 3VD har ordet o г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 7 0 5 г ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 0 0 3 0 9 0 1 0 1PRMTj 0 9 K a 0 7 ~ 0 6 0 5 0 7 0 0 0 1~ pb_w 0 5 0 5 ~ 0 9~ 0 9 0 2 0 5 0 2~ 0 5 0 4 0 3 0 5 0 0 0 4 0 5~ 0 2 0 3 0 2 0 2 0 0 0 5 0 9~ ~ 0 3 0 7 0 7 0 3 0 2 0 0 0 7 0 0~ 0 2~ 0 2 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~ Ka 0 7 0 0 0 1 0 4 0 2~ 0 1~ 0 2 0 5 0 1~ 0 4 0 2 0 5 0 3 0 9 0 7 0 5~ 0 1~ 0 0 0 5 0 1 0 1 0 5 0 7 0 2 0 5 ~ 0 0 0 2~ 0 4 0 5 0 3 0 9 0 7 0 5 0 7 0 7 0 2 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 4 0 4 0 2 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~K f 0 2 0 3 0 9 0 7 0 2~ 6 4 0 7 0 5 0 3 0 9 0 5 0 2 0 5 0 9~ 0 2 0 5 0 7 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 K o 0 3 0 2 0 7 0 2 0 7 0 4 0 6 0 3 0 9 0 7 0 5 6 4 0 2 0 7 0 2 0 5 г 0 0 0 2 0 6 6 4 0 0 0 7 0 5 0 5 0 3 0 1 ~ 0 6 г 0 9~ 0 5 0 7 0 1 6 4 0 2 0 2 0 0 0 5J 0 4 0 3 0 5 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 9 0 4 0 0 0 2 0 2~ 0 4 0 2 0 0 0 7 0 5 0 7 0 1~ 0 6 0 5 ~ 0 2 0 1~ 0 0~ 0 0 0 2~ 0 1 0 7 Kc г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2~ 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 4 0 3 0 5 0 1 0 6 0 4 0 5 0 9 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 2 0 5 г 0 0~ 0 9 0 2 0 5~ 0 9 0 6 0 7 0 7 0 2 0 1 0 7 0 5 0 5 0 7 0 1 0 1 г 0 9~ 0 5 0 7 0 2 0 3 0 9 0 7 0 2 0 4 0 0 0 4 0 0 6 4 0 5 0 7 0 2 0 5 0 4 0 0 0 6~ 0 1 ~ 0 5~ 0 2 0 5 0 7 0 1 0 4 0 3 0 5 0 3~ 0 5 0 5 0 0~ 0 2~ 0 0 0 7 0 0 0 7 0 2 K h 0 2 0 5~ 0 9 0 6 0 7 0 7 0 2 0 2 0 4 0 0 0 6 0 3 0 5 0 7 ~ 0 7 0 5 0 7 0 1~ 0 7 ~ 0 5 0 7 0 4 0 0 6 4 0 5 0 7 0 2 0 6~ 0 0 0 7 0 5 0 3 0 0 ~ 0 5 0 0 0 7 0 2 0 2 0 3 ~ 0 5 0 7 0 5 0 0 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 s 0 3 0 5 0 7 0 2 0 0 0 5 0 7 0 5 0 5 0 7 0 9 0 7 0 2~ 0 5 0 7 0 3 0 2 0 7 0 2 0 3 ~ 0 2 0 5 0 7 0 4 0 5 г 0 1 0 7 0 2~ 0 6~ 0 2 0 7 0 0 0 3 0 2 0 5~ 0 5 0 7I 0 5 ~ 0 9 0 9 0 4 0 2 ~ 0 5 0 1 0 1 0 5 0 0~ 0 7 0 9 0 6~ ~ 0 1K p~ 0 0 0 0~ 0 2 ~ 0 0 0 7 ~ 0 2 0 0 0 7 ~ 0 5 0 7pb_W 0 5 0 2 0 3 0 9 0 7 0 2 0 5 0 7 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 6~ 0 1 0 1J 0 0 0 7 0 5 0 0 0 5 0 6K pb_ 0 5 0 4 0 5 0 3 0 7 ~ 0 2 0 6 0 7 0 5 0 7 ~ 0 2 0 4 0 0 0 4 0 0 6 4 0 5 0 7 0 2 0 5 0 4 0 0 0 5 0 5 ~ 0 1 0 1~ 0 5 0 9~ ~ 0 5 ~ 0 0 0 5~ 0 2 0 3 0 9 0 7 Kr 0 2 0 5 0 7 OMMU 0 5~ 0 5 0 7 0 5 0 5~ 0 2 0 6 0 7 0 5 0 7 0 2 0 0~ 0 4 0 3 0 5 0 9 0 4 0 5 0 2~ 0 5 0 7 0 7 0 1~ 0 7 ~ 0 5 0 7 0 1 0 1 0 5 0 7 0 1 6 4 0 2 0 0 0 5 0 9 0 0~ 0 4 0 0 ~ 0 0 0 0 0 7 0 6l 0 2 0 7fqo 0 4~ 0 5 0 0~ 0 6 г 0 6 0 7 0 5 0 0 0 4 0 5 0 9 0 6 0 7 0 5 0 6 0 2 0 5 0 7 0 2~ 0 5 0 6 0 5 0 4 0 2 0 7 0 2~Kd 0 7 0 2 0 4 0 0 0 7 0 1 0 0~ 0 7 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 6 0 3 0 2 ~ 0 5 0 5 0 7 0 4 ~ 0 1~ 0 9 0 4 0 5 0 2~ 0 5 0 7 0 2~ 0 2 0 5 0 7 ~ 0 2 0 5 ~ 0 5~ 0 1 0 6 6 4 0 7 0 2 0 5 0 7 0 5 0 0~ 0 9 0 4 0 5 0 2~ 0 5 0 7 0 2~ 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 K H 0 2g aktivitet st 0 2djer l 0 2ngsiktig int 0 1ktstillv 0 1xt a 0 7 0 5 0 7 0 2~ 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 2 0 5~ _kmj 0 1 0 1 0 6 0 3 0 9 0 7 0 2 b 0 5 0 1~ 0 2 0 5 0 4 0 3 0 5 i 0 7 0 1~ 0 2 0 5 0 0 0 2 0 5 0 9~ 0 9 ~ 0 5 0 0 Kq 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 5 0 7 ~ 0 5~ 0 6 0 4 0 1 0 0 0 7 0 2 0 5 г 0 5~ 0 1 0 1 0 2~ 0 4 0 3 0 5 0 3 0 9 0 7 0 2 0 7 ~ 0 1 0 5~ 0 1 6 4 0 2 г 0 9~ 0 4 0 3 0 5 0 6 0 5 0 4 0 5 0 3 0 7 ~ 0 2 0 0 0 0~ 0 7 0 5 0 7 0 6 0 7 Km 0 4 0 2 0 1 0 7 0 0 0 7 0 2 0 3 0 0 0 7 0 5 ~ 0 1~ 0 5 0 7 b 0 5 0 1~ 0 2 0 5I 0 5 0 4 0 0 0 1 0 1 0 5 0 4 0 5 0 7 0 1 0 5 г 0 9 0 1~ ~ 0 9 0 4 0 2 0 3 0 7 0 2 0 7 0 2 0 5 г 0 9~ 0 5 0 7 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 K q 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 2~ 0 2 0 9 0 7 0 2 0 5 0 5 ~ 0 9~ 0 9~ ~ 0 1 0 5 0 7 0 2 0 0 0 4 0 3 0 5 0 2 0 3 0 2 0 2 0 0 0 5 0 5 г 0 0 6 4 0 0~ 0 5 г 0 6 0 3 0 2 ~ 0 5 0 2 0 7 0 5 0 7 г 0 9~ 0 5 0 7 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 0 2~ 0 2 0 5 0 7 0 2 0 6~ ~ 0 2 0 5 0 7 0 0~ 0 9 0 2~ 0 5 0 5 0 5 г 0 5 6 4 0 1 0 1~ 0 2 0 5 0 7 0 2 6 4 0 6 0 7 0 9~pb_W 0 5 0 9 0 7 0 5 0 6 0 3 0 5 0 0 0 5 0 7 K s 6 4 ~ 0 2 0 6 0 7 0 5 0 7 0 2 0 0~ 0 5 ~ 0 0 0 5~ 0 2 0 3 0 2 0 2 0 0 0 9 0 4 0 0 0 2 0 2~ 0 4 0 2 0 0 0 7 0 5 0 6 6 4 0 5 ~ 0 9~ 0 9~ ~ 0 1 0 2~ 0 5 0 4 0 3 0 5 0 0 0 4 0 5~ 0 1 0 1 0 0 6 4 0 2 0 0 0 1 0 1 0 1 0 9 0 6 0 5 0 7 0 5 0 9~ ~ 0 5 0 7 0 2 0 5 ~ 0 2 0 1 0 7 0 5 0 4 0 0 0 9 0 3 0 6 0 5 0 2 0 5 0 7 0 2 0 6~ ~ 0 2 0 5 0 7 0 4 0 0 0 5 0 3 0 2 0 5 0 0 0 5 0 7 0 7 K Riskv 0 1gda tillg 0 2ngar (RWA) Basel I per division 600 Riskv 0 1gda tillg 0 2ngar (Basel I) Kvartalsvis utveckling Q1 2007 C Q2 2008 500 Miljarder kronor 400 300 200 100 0 St. F 0 2retag & Inst. Kontorsr 0 2relsen p 0 4 ~c г 0 7 ~ 0 0C f 0 2 0 5 0 4 0 2 0 7 0 5 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 0 5~ 0 6 0 9 0 9 ~ 0 5 0 0 6 4 0 5 0 7 0 2~ 0 7 6 4 K_ 0 1~ 0 2 0 5~ 0 2 0 2~ 0 5~ 0 5 0 7 0 5 0 9 0 6 0 3 0 0 0 5~ 0 1 0 1 0 0 6 4 0 2 0 0~ 0 2~ 0 5 0 7 0 5 0 7 0 2~ 0 5 0 7 0 4 0 1 0 6 0 0 6 4 0 2~ 0 5 0 7 0 2~ г 0 9~ 0 0 0 7 0 5 OS 0 4 0 3 0 7 0 2 Kf 0 2 0 4 0 0 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 5 0 7 ~ 0 6 0 3~ 0 5 0 5 0 0~ 0 2~ 0 0 0 7 0 0 0 7 0 2 J 0 3 0 2 0 5 0 7 6 4 0 5 0 7 0 2 0 5 0 6 0 7 0 2 0 5 0 9~ 0 0~ 0 9 0 2~ 0 5 0 7 0 2~ ~ 0 5 0 7 ~ 0 5 0 0 RMMM 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 0I 0 6 0 1 0 9 0 7 0 1 0 7 0 1 0 1~ 0 5 г 0 7 ~ 0 0 0 5 0 1 6 4 0 2 0 2 0 0 0 7 0 2 p 0 6 0 7 0 0 0 7 г 0 9~ 0 0 0 7 0 5NQ 0 4 0 3 0 7 0 2 K q 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 5 0 7 0 5 0 5~ 0 5 г 0 0 0 7 0 9 0 2 0 5 0 6 0 4 0 1 0 0 0 7 0 5 0 4 0 5~ 0 7 0 5 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 ~ г 0 9~ 0 0 0 7 0 5 0 6 6 4 0 5 0 5 0 5 0 0~ ~ 0 1K o 0 3 0 2 0 7 0 2 0 7 0 4 0 2 0 5 0 7 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 6~ 0 5 0 7 0 5 г 0 0 0 5 ~ 0 5 0 1 0 1 0 5K a 0 7 0 2 0 6 0 7 0 5 0 7 0 2 0 0~ 0 5 0 4 0 0 0 0 0 4 0 5 0 2 0 4 0 0 0 1 6 4 0 2 0 0 0 5 0 9 0 0 0 5 ~ ~ 0 2 0 5 0 7 0 5~ 0 1 0 7 0 1 0 1 0 9 ~ 0 5 0 0 г 0 9~ 0 5 0 7 0 6 0 4 0 1 0 0 0 7 0 5 г 0 9~ ~ 0 1 0 5 г 0 6~ 0 1 0 2 0 2 0 0I 0 5 0 7 6 4 0 5 г 0 6~ 0 2 0 0 0 4 0 3 0 5 0 1 0 6 0 5 г 0 5 0 3 0 9 0 2 0 0Kf 0 5~ 0 0 0 5 0 6~ ~ 0 5 0 7 0 5 0 5~ 0 4 0 0 6 4 0 5 0 7 0 2 0 5 г 0 2 0 3 0 0~ 0 7 0 7 0 2 0 5 0 3 0 5 0 7 0 5 0 7 0 1~ 0 6 0 9 0 4 0 2 0 3 0 7 0 2 0 7 0 2 0 5 0 2 0 3 0 9 0 7 K b 0 5 0 7 0 5 0 1 0 7 ~ 6 4 ~ 0 6 0 2 0 7 0 5~ 0 2 0 5 0 7 0 1 0 1 0 6 0 3 0 9 0 0 6 4 0 5 г 0 6~ 0 1 ~ 0 9~ ~ 0 1 0 5~ 0 0 0 1 0 1NIOVR 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 0 4 0 3 0 5 0 5 0 7 6 4 0 6 0 4 0 1 0 0 0 7 0 2~ 0 1 0 1 QTOU 0 0 0 1 ~ 0 5 0 7 Kc 0 4 0 2 0 5 0 5 г 0 5 0 3 0 9 0 2 0 0 0 5 0 6 0 4 0 1 0 0 0 7 0 2 0 2 0 5 0 7 0 5 0 7 0 5 0 7 0 2~ 0 5 0 7 0 5 0 7 0 0 6 4 0 7 0 2 0 5~ 0 0 0 7 0 3 0 2 0 5 г 0 5 0 2 0 2 0 1~ 0 5 0 1 0 1NOS 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 K k 0 7 0 4 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2 0 3 0 5 0 4 0 5~ 0 5 ~ 0 9 0 2 0 4 0 0 0 5 0 7 0 5 0 5~ 0 4 0 0 6 4 0 5 0 7 0 2K _ 0 1~ 0 2 0 5~ 0 2 0 2~ 0 6~ pb_ 0 2 0 0 0 0 0 7 6 4 ~ 0 6~ 0 5 0 0 0 3 0 1 0 1 0 7 0 2 0 7 0 4 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 6 4 0 5 0 7 0 2 0 7 0 4 0 7 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 2 0 5 0 7 0 5 г 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 OMMUE 0 9 0 3 0 1 0 1~Wi 0 7 c 0 7 FK s 0 5~ 0 7 0 5~ 0 5 0 7 0 2 ~ 0 2 0 5~ 0 9 0 4 0 2 0 5 0 2~ 0 5 0 7 ~ 0 5 0 7 0 9 0 3 0 2 0 2~ 0 2 0 9 0 6 0 7 J 0 5~ 0 0 0 5 0 7 0 7 0 2 0 6 0 9 Km 0 4 0 5 0 9 0 7 0 5 0 4 0 0 0 3~ 0 5 0 5 0 0~ 0 2~ 0 0 0 7 0 0 0 7 0 2 I 0 9 0 4 0 4 0 3 0 5 0 2 0 7 ~ 0 1 0 3 0 2 0 5 0 7 0 5 0 6~ ~ 0 5 г 0 3 0 9~OM 0 4 0 3 0 7 0 2 ~ 0 6pb_W 0 5 0 2 0 3 0 9 0 7 K Int 0 1ktsk 0 1llor inom l 0 2ngsiktigt sparande och traditionella banktj 0 1nster Kvartalsvis utveckling Q1 2004 C Q2 2008, Mkr V 0 1rde- pch prestationsrelaterat Ickekapitalmarknadsrelaterat 2 000 1 800 1 600 1 400 1 200 1 000 800 600 400 200 0 Dep 0 2service och fonder Livf 0 2rs 0 1kringar Betalningar och kort etc pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMMU O
1 3Koncernen Andra 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 5 0 7 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 0 0 3 0 9 0 1 0 1 PRMTj 0 9 EQRRQFI 0 7 0 2 0 0 0 2 0 5 0 9 0 2 0 2 0 0 0 0 0 7 0 5OP 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 7 0 4 0 5OMMT 0 0 0 7 0 2 0 7 0 2 г 0 9 0 2 0 2 0 0 0 0 0 7 0 5 QS 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 5 ~ 0 9 0 6~ ~ 0 1 0 7 OMMUKk 0 7 0 4 0 7 0 5 0 1 ~ 0 7 0 5 г 0 2 0 9 0 1 0 1OUMVj 0 9 EPROOFK f 0 2 0 3 0 9 0 7 0 2~ 0 0 0 3 0 9 0 1 0 1NMQMPj 0 9 ENMTNVFIP 0 4 0 3 0 7 0 2 0 1 0 3 0 0 0 7 0 3 0 2 0 0 0 4 0 5 0 6~ ~ 0 2 0 5 0 7 0 9 0 6~ ~ 0 1 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 6 4 0 0 0 7 0 2 NU 0 4 0 3 0 7 0 2 0 2 0 3 0 7 0 3 0 2 0 5 г 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 OMMUKo 0 3 0 2 0 7 0 2 0 7 0 4 г 0 9~ 0 5 0 7 0 0 0 7 0 5NO 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 1OMMT 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 7 0 2 0 4 0 5 0 6 0 0~ 0 0 0 2~ 0 1J 0 4 0 3 0 5 0 6 0 4 0 1 0 0 0 6 0 7 0 3 0 9 0 1 0 2 0 0 0 9 0 4 0 0 0 2 0 2~ 0 4 0 2 0 0 0 7 0 5 0 5 г 0 0 0 7 0 3 0 2 ~ 6 4 0 7 0 0 0 7 0 9~ ~ 0 1Ka 0 7 0 2 0 0 0 7 0 2 0 7 0 0 0 3 0 2 0 5~ 0 5 0 7 0 0~ 0 0 0 2~ 0 1J 0 4 0 3 0 5 0 6 0 4 0 1 0 0 0 7 0 5 0 5 0 7 0 9 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5 0 5 г 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 OMMU 0 1 0 7 0 5 0 5 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 5 г 0 0 0 7 ~ 0 6 0 9~ 0 5 0 2 0 2 0 0 6 4 0 1 0 1 0 0 6 4 0 2 0 0~ 0 2~ 0 2 0 4 0 0 0 7~ 0 5 0 5 0 4 0 0 0 0 0 7 0 3 0 2 0 6 0 3 0 1 0 9 0 4 0 0 0 7 0 2 0 5 0 7 ~ 0 5 0 7 0 5 0 7 0 5 г 0 0 0 7 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 0 2~J 0 1 0 1 0 7 0 2 0 7 0 2RJ 0 4 0 3 0 7 0 2 0 0 г 0 9 0 2 0 2 0 0~ 0 6 0 3 0 2 0 7 0 2 0 7 0 4 Km 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 5NQ 0 4 0 3 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 5 0 4 0 1 0 0 0 7 0 2 0 6~ 0 2 6 4 0 0 0 4 0 2 0 3 0 7 0 3 0 2 0 5 г 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 6 4 Kk 0 7 0 4 0 7 0 5 0 1 ~ 0 7 ~ 0 6 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1~ ~ 0 2 0 5~ 0 9 0 4 0 2 0 7 0 6~ NQ 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 7 0 4 0 5OMMT 0 0 0 7 0 2 0 6~ TP 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 0 5 г 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 OMMU 0 5 0 7 ~ 0 5 г 0 6 0 3 0 5 0 7 0 2 0 0 0 5 0 5 г 0 1 0 5 0 7 0 5 0 7 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 5 0 4 0 0 0 2 0 2 0 7 0 5 6 4 0 1 0 1 0 7 0 3 0 2 0 7 0 2 0 3 ~ 0 2 0 5 0 7 0 6 0 3 0 5 0 7 ~ 0 7 Ki 0 6 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 7 0 4 0 6~ 0 4 0 5 г 0 3 0 2 0 5 ~ 0 5 0 7 0 3 0 0 0 5 г 0 0 0 7 0 5~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 OMMT 0 4 0 3 0 5 0 2 0 7 0 5NM 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 h 0 4 0 5 0 2~ 0 5 0 7 0 2~ 0 0 0 3 0 9 0 1 0 1SQQRj 0 9 ERUUQFKb 0 9 0 9 0 1 0 5 0 6 0 7 0 7 0 5 0 5 0 7 0 9 0 7 0 2~~ 0 6 0 5 г 0 6 0 3 0 6I 0 6l 0 2 0 7fqo 0 4~ 0 5 0 0~ 0 6 0 4 0 3 0 5 0 7 0 2 0 5 0 4 0 2 0 5 0 7 0 5 0 4 0 6 0 5 0 2 0 2 0 0~ 0 5 0 7 0 0 0 9 0 4 0 5 0 2~ 0 5 0 7 0 2~ 0 0 0 7 0 5R 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 1OMMTKa 0 7 0 2 0 5 г 0 0 0 7 0 9 0 4 0 5 0 2~ 0 5 0 5 0 2 0 6 6 4 0 2 0 5 г 0 9 0 1~ ~ 0 5 0 5 0 7 0 1 0 6 0 5~ 0 6 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 9 0 6 0 7 0 7 0 4 0 3 0 5 0 2 0 6 0 7 0 5 0 7 0 2 0 0~ 0 4 0 3 0 7 0 5 0 5 0 7 K 0 4 0 6 0 7 0 2 fqj 0 9 0 4 0 5 0 2~ 0 5 0 7 0 2~ г 0 9~ 0 5 0 7K h 0 7 0 5 0 5 г 0 1 0 5 0 7 0 2~ 0 5 0 7 0 0 0 1 0 1QROj 0 9 EOUMFI 0 6~ ~ 0 6OUPj 0 9 EVQF 0 5 0 3 0 2 0 5 г 0 5 0 7 0 5 0 0 0 1 0 1_~ 0 1 0 9 0 0K Halv 0 2rsresultat pb_w 0 5 г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 5 г 0 5 0 7 0 5 г 0 5 ~ 0 5 0 7 0 9 0 0 6 4 0 2~ 0 5 0 7 0 2~OMMU 0 0 0 3 0 9 0 1 0 1RVNTEUTNNFI 0 7 0 2 0 0 0 2 0 5 0 9 0 2 0 2 0 0 0 0 0 7 0 5PO 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 1OMMTK k 0 7 0 4 0 7 0 5 0 1 ~ 0 7 0 0 0 2 0 5 0 9~ 0 5 0 7 0 0 0 7 0 5PN 0 4 0 3 0 7 0 2 0 1 0 1QSRTj 0 9 ESTUQFK Int 0 1kter f 0 2 0 3 0 9 0 7 0 2~ 0 0 0 2 0 5 0 9~ 0 5 0 7 0 1 0 1NVOMRj 0 9 EOMVNOFK o 0 3 0 2 0 7 0 2 0 7 0 4 0 5 г 0 2 0 3 ~ 0 5 0 7 0 5 0 0 0 7 0 5NO 0 4 0 3 0 7 0 2 0 4 0 3 0 5 0 0 0 3 0 9 0 1 0 1 USQQj 0 9 ETTMSFK 0 5 0 9~ 0 5 0 7 0 6 0 4 0 1 0 0 0 7 0 2 0 5 0 4 0 0 0 0 0 7 0 5TMNj 0 9 K f 0 2 0 1 6 4 0 2 0 2 0 0 0 7 0 2 г 0 9~ 0 5 0 7 0 0 0 7 0 5S 0 4 0 3 0 7 0 2 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 5I 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~ T 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 2Ki 0 3 0 0 0 7 0 0~ 0 0 0 2~ 0 1 0 7 6 4 0 6 0 7 0 9~ 0 5 0 7 0 3 0 2 0 7 0 2 0 7 0 4 0 2 0 7 0 0~ 0 6 0 0 0 7 0 5ONj 0 9 X 0 1 6 4 0 2 0 2 0 0 0 5 0 0~ 0 0 0 2~ 0 1 0 7 0 2~ 0 6~ 0 5~ ~ 0 5 г 0 7 0 2 0 6 0 5 0 5 0 7 0 5 0 5 0 0 0 7 0 5~ 0 2 0 2 0 1 6 4 0 2 0 2 0 0 0 5 0 0~ 0 0 0 2~ 0 1 0 7 0 2~ 0 5 г 0 2 0 3 ~ 0 5 0 7 0 5 0 2 6 4 0 0 0 4 K 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 5 0 7 0 0 0 0 0 7 0 5NM 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 5 ~ 0 5~ 0 1 0 6 6 4 0 7 0 5 0 4 0 1Ka 0 7 0 2 г 0 9~ 0 5 0 7 0 1 г 0 5 0 7 0 2 0 5 г 0 2 ~ 0 1 6 4 0 2 0 4 0 3 0 5 0 5 0 7 0 5 г 0 0 0 7 0 9 0 4 0 5 0 5 0 0~ 0 3 0 2 0 4 0 2~ 6 4 0 6 0 7 0 9~ 0 5 0 7 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 0 2~ 0 2 0 7 0 0~ 0 6 I 0 0 0 7 0 2 0 2 0 9 0 1 0 5 0 6 0 7 0 3 0 2 ~ 6 4 0 7 0 0 0 7 0 9~ ~ 0 1 0 4 0 3 0 5 0 5 г 0 0 0 7 0 3 0 2 0 4 6 4 0 7~ 0 5 J 0 4 0 5 г 0 1 0 7 0 2~ 0 2 0 1 0 7 0 6 0 5 0 7 0 2 0 5~ 0 0 0 0~ 0 2 0 1~ 0 0 0 5~ 0 7 0 5 0 5 0 7 0 9 0 7 0 2 0 7 0 4 0 5 0 6 0 2 0 5 ~ 0 0 6 4ORUj 0 9 K 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 5NP 0 4 0 3 0 7 0 2 0 1 0 1TTNMj 0 9 EUUONFI 0 5 0 6 0 5 0 5~ 0 9 0 1 0 0 0 7 0 2 0 2 0 7 0 4 0 7 0 2 0 5 0 7 6 4 0 5~ 0 1 0 1~ 0 2 0 5 0 7 0 2 0 3 0 9 0 7 0 5 6 4 0 2 0 5 6 4 0 6 0 3 0 1 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0 0 2 0 7 v 0 7 0 1 0 0~ 0 7 0 1 0 5 0 2 0 2 0 0~ 0 1 0 3 0 0 0 2~ 0 5~ 0 6W m 0 7 J^ 0 2 0 7_ 0 1 0 4 0 0 0 5 I 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 2I~ 0 2 0 5 0 6~ 0 0 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1 0 2 0 5 0 4 0 0~ 0 4 0 2I q 0 7 0 1WMUJTSPURSMI 0 0 0 4 0 2 0 1MTMJPTVMMSM 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 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 1KNRKPM 0 5 0 7 0 2NS 0 1 OMMUI 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 m 0 7 J^ 0 2 0 7_ 0 1 0 4 0 0 0 5 I 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 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 2Kb 0 2 0 2 0 5 0 7 0 1 0 2 0 2 0 0~ 0 6 0 9 0 4 0 2 0 5 0 7 0 7 0 2 0 5 0 7 0 2 0 5 0 2 0 2 0 5 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 b 0 2 0 6 0 5 0 7 0 4 0 7 0 7 0 2J 0 3~ 0 5 0 0 0 7 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 m 0 7 J ^ 0 2 0 7_ 0 1 0 4 0 0 0 5 0 3 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 0K Granskningsrapport s 0 5~ 0 5 г 0 7 0 2 г 0 6 0 7 0 5 0 9 0 1 0 0 0 0 ~ 0 2 0 5 0 9 0 2 0 2 0 0~ 0 6 0 5 0 7 0 1 6 4 0 5 ~ 0 4 0 7 0 2 0 5 г 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 0 5 г 0 7 0 4 0 5 0 7 0 2N ~ 0 2 ~ OMMU 0 1 0 1PM 0 2 OMMUKa 0 7 0 3 0 5 г 0 7 ~ 0 0 0 5 0 1 0 7 0 5 0 2 0 2 0 0 0 7 0 2 0 5 0 4 0 0 0 5~ ~ 0 2 0 5 0 6~ 0 7 0 5 г ~ 0 3 ~ 0 4 0 3 0 5 0 7 0 5 0 7 0 2 0 7 ~ 0 5 0 7 0 2 0 2~ 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1~ 0 5 0 7 0 1 6 4 0 5 0 2 0 5 0 4 0 0~ 0 4 0 2 0 7 0 2 0 1 0 0 0 5 0 7 0 0 0 7 0 5f^pPQ 0 4 0 3 0 5i~ 0 0 0 4 0 0 6 4 0 5 0 7 0 5 0 4 0 6 0 5 0 2 0 2 0 0 0 9 0 7 0 5 0 2 0 5 0 4 0 3 0 5 0 6 0 3 0 5 0 7 ~ 0 7 0 5 0 2 0 4 0 1~ 0 0Ks 6 4 ~ 0 2 0 5 0 6~ 0 3 ~ ~ 0 1~ 0 7 0 2 0 5 0 1 0 5~ 0 5 0 4 0 0 0 5 0 7 0 2 0 2~ 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1~ 0 5 0 7 0 1 6 4 0 5 0 2 0 5 0 4 0 0~ 0 4 0 2 0 0 0 2 0 5~ 0 5 6 4 0 6 6 4 г 0 6 0 7 0 5 0 9 0 1 0 0~ 0 0 ~ 0 2 0 5 0 9 0 2 0 2 0 0K s 0 5~ 0 5 г 0 6 6 4 г 0 6 0 7 0 5 0 9 0 1 0 0~ 0 0 ~ 0 2 0 5 0 9 0 2 0 2 0 0 0 7 0 2 0 1 0 0 0 5 0 7 0 0 0 7 0 5p ~ 0 2 0 5~ 0 5 0 5 г г 0 6 0 7 0 5 0 9 0 1 0 0 0 0 ~ 0 2 0 5 0 9 0 2 0 2 0 0p 0 5dOQNM 0 5 0 6 0 7 0 5 0 9 0 1 0 0 0 0 ~ 0 2 0 5 0 9 0 2 0 2 0 0~ 0 6 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1 0 5 0 7 0 1 6 4 0 5 0 2 0 5 0 4 0 0~ 0 4 0 2 0 5 г 0 5~ 0 6 0 5 г 0 7 ~ 0 0 0 7 0 5 0 6~ 0 1 0 5~ 0 7 0 6 0 5 0 4 0 5 0 4 0 0 0 3 0 0 0 6 0 7 0 2~ 0 6c^oKb 0 2 г 0 6 0 7 0 5 0 9 0 1 0 0 0 0 ~ 0 2 0 5 0 9 0 2 0 2 0 0 0 2 0 7 0 5 6 4 ~ 0 6~ 0 0 г ~ 0 5 г 0 5 6 4 0 0 0 2 0 2 0 0~ I 0 5 г 0 5 ~ 0 5~ 0 2 0 5 0 1 0 1 0 7 0 5 0 4 0 2 0 7 0 5 0 4 0 0 0 3 ~ 0 2 0 5 0 6~ 0 0~ 0 5 г 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1~ 0 5 6 4 0 0 0 4 0 4 0 3 0 5 0 7 0 5 0 4 0 6 0 5 0 2 0 2 0 0 0 5 0 5 6 4 0 0 0 4 I~ 0 5 г ~~ 0 2~ 0 1 0 5 0 9 0 0 ~ 0 2 0 5 0 9 0 2 0 2 0 0 0 4 0 3 0 5~ 0 6 0 5 ~~ 0 2 0 5 ~ г 0 6 0 7 0 5 0 9 0 1 0 0~ 0 0 ~ 0 2 0 5 0 9 0 2 0 2 0 0 0 5 6 4 0 0 0 3 0 5 0 7 Kb 0 2 г 0 6 0 7 0 5 0 9 0 1 0 0 0 0 ~ 0 2 0 5 0 9 0 2 0 2 0 0 0 5~ 0 7 0 2~ 0 2 0 2~ 0 2 0 2 0 9 0 2 0 2 0 0 0 4 0 3 0 5 0 7 0 2 0 2 0 7 0 5 0 1 0 0 0 0 0 2 0 5 0 7 0 4 0 0 0 5~ 0 2 0 2 0 0 0 3 0 0 0 5 г 0 0 0 7 0 5 0 5 0 7 0 2 0 2 0 9 0 2 0 2 0 0 0 4 0 3 0 5 0 4 0 0 0 5~ 0 2 0 2 0 0 0 5 0 4 0 0 0 7 0 2 0 7 0 6 0 5 0 4 0 2 0 7 0 2 0 1 0 0 o 0 7 0 6 0 5 0 4 0 2 0 5 0 5 ~ 0 2 0 5~ 0 5 p 0 6 0 7 0 0 0 7op 0 4 0 3 0 5 0 0 0 4 0 5 0 7 0 6 0 5 0 4 0 2 0 5 0 5 0 7 0 5 г 0 6 0 0 0 5~ Ka 0 7 0 0 ~ 0 2 0 5 0 9 0 2 0 2 0 0 0 5 6 4 0 0 0 3 0 5 0 7 0 5 0 4 0 0 0 6 0 5 ~ 0 5 0 6 0 5 0 7 0 2 г 0 6 0 7 0 5 0 9 0 1 0 0 0 0 ~ 0 2 0 5 0 9 0 2 0 2 0 0 0 0 г 0 5 0 7 0 2 0 7 0 0 г 0 1 0 0 0 5 г 0 4 0 5 0 5 ~ 0 5 0 9~ 0 5 0 5~ 0 4 0 5 0 5 0 7 0 2 0 5 6 4 0 5~ 0 2 0 5 0 3 0 9 0 7 0 5 0 7 ~ 0 6 0 2 0 1 0 0 0 7 0 5 0 6 0 7 0 2~ 0 4 0 0~ 0 1 0 1~ 0 6 0 9 0 0~ 0 4 0 0 0 5 0 3 0 2 0 5 0 0 0 5 0 7 0 7 0 5 0 4 0 0 0 5 0 9 0 1 0 1 0 7 0 9 0 2 0 2~ 0 5~ 0 2 0 1 0 6 0 5 0 7 0 2 0 5 0 7 ~ 0 5 0 7 0 4 0 0 0 7 0 2 0 7 0 6 0 5 0 4 0 2 0 5 г 0 5Ka 0 7 0 2 ~ 0 1~ 0 5 0 7 0 5 0 1 0 5~ 0 5 0 7 0 2 0 0 0 2 0 5~ 0 5 6 4 0 7 0 2 г 0 6 0 7 0 5 0 9 0 1 0 0 0 0 ~ 0 2 0 5 0 9 0 2 0 2 0 0 0 5~ 0 5 0 3 0 5 г 0 2 0 7 0 5 0 7 0 2 0 5 0 3 0 9 0 7 0 5 0 7 0 5 0 4 0 0 0 7 0 2 ~ 0 1~ 0 5 0 5 0 1 0 5~ 0 5 0 0 0 2 0 5~ 0 5 6 4 0 7 0 2 0 7 0 6 0 5 0 4 0 2 0 5~ K d 0 2 0 5~ 0 5 6 4 0 6 6 4 г 0 6 0 7 0 5 0 9 0 1 0 0~ 0 0 ~ 0 2 0 5 0 9 0 2 0 2 0 0 0 5~ 0 5 0 7 0 2 0 7 0 9 0 4 0 0 0 0 0 5 ~ 0 0 0 2 6 4 0 0 ~ 0 4 0 0 0 5 0 3 0 2 0 5 0 0 0 5 0 7 0 7 0 5 0 4 0 0 0 0 0 7 0 4 0 5 0 5~ 0 2 0 1 0 7 0 5 0 2 0 2 0 0~ ~ 0 2 0 5 0 7~ 0 5 0 7 0 1 6 4 0 5 ~ 0 4 0 7 0 2 0 2 0 7I ~ 0 1 0 1 0 6 0 3 0 5 0 7 0 2 0 1 0 0 I 0 3 0 3 ~ 0 5 0 7 0 2 0 1 0 0 0 5 0 7 0 0 0 7 0 5f^pPQ 0 4 0 3 0 5i~ 0 0 0 7 0 2 0 4 0 0 6 4 0 5 0 7 0 5 0 4 0 6 0 5 0 2 0 2 0 0 0 9 0 7 0 5 0 2 0 5 0 4 0 3 0 5 0 6 0 3 0 5 0 7 ~ 0 7 0 5 0 2 0 4 0 1~ 0 0K p 0 4 0 3 0 9 0 5 0 4 0 1 0 0I 0 5 0 7 0 2NS 0 1 OMMU m 0 3 0 7 0 7~ 0 7 0 5 0 4 0 5 0 7` 0 4 0 4 0 7 0 5^_ m 0 7 0 7 ` 0 1 0 7 0 0 0 7 0 5 0 5 0 4 0 2 m 0 7 0 7 k 0 1 0 1 0 2 0 0 0 7 ^ 0 9 0 4 0 5 0 7 ~ 0 5 0 7 0 6 0 5 0 4 ^ 0 9 0 4 0 5 0 7 ~ 0 5 0 7 0 6 0 5 0 4 e 0 6 0 5~ 0 2 0 5 0 6~ 0 0 pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMMU S
1 3SEB-koncernen Resultatr 0 1kning C SEB-koncernen Aggregerad Kv2 Kv1 Kv2 Jan - jun Hel 0 2r Mkr 2008 2008 % 2007 % 2008 2007 % 2007 R 0 1ntenetto 4 421 4 223 5 3 939 12 8 644 7 706 12 15 998 Provisionsnetto 3 909 3 801 3 4 544-14 7 710 8 821-13 17 051 Nettoresultat av finansiella transaktioner 1 161-161 1 345-14 1 000 2 656-62 3 239 Livf 0 2rs 0 1kringsint 0 1kter netto 642 713-10 642 1 355 1 385-2 2 933 0 0vriga int 0 1kter netto 270 226 19 249 8 496 344 44 1 219 Summa int 0 1kter 10 403 8 802 18 10 719-3 19 205 20 912-8 40 440 Personalkostnader -3 993-3 899 2-3 774 6-7 892-7 570 4-14 921 0 0vriga kostnader -2 098-1 756 19-1 768 19-3 854-3 446 12-6 919 Av- och nedskrivningar av tillg 0 2ngar - 354-372 -5-342 4-726 - 670 8-1 354 Summa kostnader -6 445-6 027 7-5 884 10-12 472-11 686 7-23 194 Kapitalvinster och -f 0 2rluster fr 0 2n materiella och immateriella tillg 0 2ngar 1 3-67 - 1-200 4-1 788 Kreditf 0 2rluster inkl v 0 1rdef 0 2r 0 1ndringar p 0 2 0 2vertagen egendom - 452-368 23-280 61-820 - 514 60-1 016 R 0 2relseresultat* 3 507 2 410 46 4 554-23 5 917 8 711-32 17 018 Skatt - 699-562 24-1 032-32 -1 261-1 927-35 -3 376 Nettoresultat fr 0 2n kvarvarande verksamheter 2 808 1 848 52 3 522-20 4 656 6 784-31 13 642 Avvecklade verksamheter 1 1 Nettoresultat 2 809 1 848 52 3 522-20 4 657 6 784-31 13 642 Minoritetens andel 3 1 200 8-63 4 12-67 24 Aktie 0 1garnas andel ** 2 806 1 847 52 3 514-20 4 653 6 772-31 13 618 * SEB Trygg Liv:s r 0 2relseresultat 308 368-16 368-16 676 826-18 1 802 F 0 2r 0 1ndringar i 0 2verv 0 1rden, netto 227 250-9 323-30 477 567-16 1 273 SEB Trygg Liv:s verksamhetsresultat 535 618-13 691-23 1 153 1 393-17 3 075 ** Nettoresultat per aktie f 0 2re utsp 0 1dning, kr 4:10 2:70 5:21 6:80 10:02 19:97 ** Nettoresultat per aktie efter utsp 0 1dning, kr 4:09 2:69 5:21 6:78 9:96 19:88 12-m 0 2naders rullande SEB-koncernen*, Mkr 45,000 40,000 35,000 30,000 25,000 20,000 15,000 10,000 5,000 0 Kv1-04 Kv2-04 Kv3- Kv4- Kv1- Kv2-04 04 05 05 Kv3- Kv4- Kv1- Kv2-05 05 06 06 Kv3- Kv4- Kv1- Kv2-06 06 07 07 Kv3- Kv4- Kv1- Kv2-07 07 08 08 Int 0 1kter Kostnader R 0 2relseresultat * Exkluderar eng 0 2ngsreserveringen p 0 2 890 Mkr f 0 2r outnyttjade lokaler 2005 pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMMU T
1 3Nyckeltal C SEB-koncernen Kv2 Kv1 Kv2 Jan - jun Hel 0 2r 2008 2008 2007 2008 2007 2007 R 0 1ntabilitet p 0 2 eget kapital, % 15,2 9,6 20,7 12,4 19,8 19,3 R 0 1ntabilitet p 0 2 totala tillg 0 2ngar, % 0,48 0,31 0,65 0,40 0,65 0,63 R 0 1ntabilitet p 0 2 riskv 0 1gda tillg 0 2ngar, % 1,33 0,87 1,74 1,08 1,72 1,68 Nettoresultat per aktie f 0 2re utsp 0 1dning, kr 4:10 2:70 5:21 6:80 10:02 19:97 V 0 1gt antal aktier, miljoner* 684 684 674 684 676 682 Nettoresultat per aktie efter utsp 0 1dning, kr 4:09 2:69 5:21 6:78 9:96 19:88 V 0 1gt antal aktier efter utsp 0 1dning, miljoner** 686 686 675 686 680 685 Substansv 0 1rde per aktie, kr 122:51 126:34 117:63 122:51 117:63 127:44 Genomsnittligt eget kapital, kr 73,8 76,6 67,9 75,2 68,2 70,6 K/I-tal 0,62 0,69 0,55 0,65 0,56 0,57 Kreditf 0 2rlustniv 0 2, % 0,17 0,13 0,12 0,15 0,11 0,11 Reserveringsgrad f 0 2r os 0 1kra fordringar, % 71,5 74,5 77,7 71,5 77,7 76,1 Andel os 0 1kra fordringar, % 0,21 0,20 0,19 0,21 0,19 0,18 Basel II:*** Kapitalt 0 1ckningsgrad, inkl 0 2rets resultat, % 10,77 11,13 11,05 10,77 11,05 11,04 Prim 0 1rkapitalrelation, inkl 0 2rets resultat, % 8,64 8,85 8,45 8,64 8,45 8,63 Riskv 0 1gda tillg 0 2ngar, miljarder kronor 871 817 783 871 783 842 Basel I: Kapitalt 0 1ckningsgrad, inkl 0 2rets resultat, % 9,65 10,01 10,54 9,65 10,54 10,42 Prim 0 1rkapitalrelation, inkl 0 2rets resultat, % 7,74 7,96 8,07 7,74 8,07 8,15 Riskv 0 1gda tillg 0 2ngar, miljarder kronor 972 909 821 972 821 892 Antal befattningar**** 21 645 21 210 19 619 21 230 19 395 19 506 Dep 0 2f 0 2rvaring, miljarder kronor 4 728 4 887 5 514 4 728 5 514 5 314 F 0 2rvaltat kapital, miljarder kronor 1 295 1 331 1 403 1 295 1 403 1 370 * Utf 0 1rdat antal aktier uppgick till 687 156 631 vid 0 2rsskiftet 2007. SEB 0 1gde d 0 2 3,7 miljoner A-aktier f 0 2r personaloptionsprogrammet. Under 2008 har 1,4 miljoner av dessa aktier s 0 2lts netto i samband med att personaloptioner l 0 2sts in. Per 30 juni 0 1gde SEB s 0 2ledes 2,3 miljoner A- aktier f 0 2r s 0 1kring av det l 0 2ngsiktiga incitamentsprogrammet till ett marknadsv 0 1rde av 257 Mkr. ** 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. *** 90 procent av RWA i Basel I f 0 2r 2008 och 95 procent av RWA i Basel I f 0 2r 2007. **** Kvartalsisolerat antal 0 1r f 0 2r sista m 0 2naden i kvartalet. Ackumulerat antal 0 1r ett medeltal f 0 2r perioden. pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMMU U
1 3Resultatr 0 1kning, kvartalsvis C SEB-koncernen Mkr 2008:2 2008:1 2007:4 2007:3 2007:2 R 0 1ntenetto 4 421 4 223 4 375 3 917 3 939 Provisionsnetto 3 909 3 801 4 129 4 101 4 544 Nettoresultat av finansiella transaktioner 1 161-161 420 163 1 345 Livf 0 2rs 0 1kringsint 0 1kter netto 642 713 766 782 642 0 0vriga int 0 1kter netto 270 226 345 530 249 Summa int 0 1kter 10 403 8 802 10 035 9 493 10 719 Personalkostnader -3 993-3 899-3 787-3 564-3 774 0 0vriga kostnader -2 098-1 756-1 782-1 691-1 768 Av- och nedskrivningar av tillg 0 2ngar - 354-372 - 359-325 - 342 Summa kostnader -6 445-6 027-5 928-5 580-5 884 Kapitalvinster och -f 0 2rluster fr 0 2n materiella och immateriella tillg 0 2ngar 1 3 787 2-1 Kreditf 0 2rluster** - 452-368 - 313-189 - 280 R 0 2relseresultat* 3 507 2 410 4 581 3 726 4 554 Skatt - 699-562 - 824-625 -1 032 Nettoresultat fr 0 2n kvarvarande verksamheter 2 808 1 848 3 757 3 101 3 522 Avvecklade verksamheter 1 Nettoresultat 2 809 1 848 3 757 3 101 3 522 Minoritetens andel 3 1 5 7 8 Aktie 0 1garnas andel *** 2 806 1 847 3 752 3 094 3 514 * SEB Trygg Liv:s r 0 2relseresultat 308 368 475 501 368 F 0 2r 0 1ndringar i 0 2verv 0 1rden, netto 227 250 431 275 323 SEB Trygg Liv:s verksamhetsresultat 535 618 906 776 691 ** Inklusive v 0 1rdef 0 2r 0 1ndring p 0 2 0 2vertagen egendom *** Nettoresultat per aktie f 0 2re utsp 0 1dning, kr 4:10 2:70 5:49 4:59 5:21 Nettoresultat per aktie efter utsp 0 1dning, kr 4:09 2:69 5:48 4:57 5:21 pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMMU V
1 3Resultatr 0 1kning per division C SEB-koncernen Jan-jun 2008, Mkr Stora f 0 2retag & Institutioner Liv* 0 0vrigt inkl Kontorsr 0 2relsen Kapitalf 0 2rvaltning elimineringar SEBkoncernen R 0 1ntenetto 3 063 5 144 441-29 25 8 644 Provisionsnetto 2 711 2 861 1 778 360 7 710 Nettoresultat av finansiella transaktioner 1 055 197 28-280 1 000 Livf 0 2rs 0 1kringsint 0 1kter netto 1 837-482 1 355 0 0vriga int 0 1kter netto 116 108 35 237 496 Summa int 0 1kter 6 945 8 310 2 282 1 808-140 19 205 Personalkostnader -2 069-2 322-750 - 547-2 204-7 892 0 0vriga kostnader -1 846-2 652-558 - 280 1 482-3 854 Av- och nedskrivningar av tillg 0 2ngar - 43-153 - 46-305 - 179-726 Summa kostnader -3 958-5 127-1 354-1 132-901 -12 472 Kapitalvinster och - f 0 2rluster fr 0 2n materiella och immateriella tillg 0 2ngar 3 1 4 Kreditf 0 2rluster** - 56-751 - 2-11 - 820 R 0 2relseresultat 2 934 2 432 926 676-1 051 5 917 * Verksamhetsresultatet i Liv uppg 0 2r till 1 153 Mkr (1 393), av vilket f 0 2r 0 1ndringar i 0 2verv 0 1rden 477 Mkr (567). ** Inklusive v 0 1rdef 0 2r 0 1ndring p 0 2 0 2vertagen egendom. pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMMU NM
1 3Stora F 0 2retag & Institutioner a 0 7 0 2 0 2~ 0 5 0 6 0 5 0 4 0 2 0 5~ 0 6 6 4 0 5 г 0 7~ 0 5 0 5 0 3 0 5 0 4 0 0 6 4 0 5 0 7 0 2Wq ~ 0 5 0 2 0 0~ 0 2 0 5`~ ~ 0 1j~ 0 9 0 7 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 5K 0 5 0 6 0 0~~ 0 5 0 5 0 3 0 5 0 4 0 0 6 4 0 5 0 7 0 2I 0 2 0 1~ 0 2 0 5 ~ 0 2 0 2~ `oje 0 9 0 2 0 5~ 0 2 0 5 0 6~ FI` 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 0 3 0 9 0 4 0 2 0 5 0 4 0 1 0 5 0 7 ~ 0 5 0 7 ` 0 4 0 4 ~ 0 7_~ 0 2 0 9 0 2 0 0K Resultatr 0 1kning Kv 2 Kv 1 Kv 2 Jan- Jun Hel 0 2r Mkr 2008 2008 % 2007 % 2008 2007 % 2007 R 0 1ntenetto 1 538 1 525 1 1 377 12 3 063 2 705 13 5 610 Provisionsnetto 1 470 1 241 18 1 659-11 2 711 3 220-16 5 945 Nettoresultat av finansiella transaktioner 936 119 1 169-20 1 055 2 333-55 2 613 0 0vriga int 0 1kter netto 72 44 64 183-61 116 234-50 839 Int 0 1kter 4 016 2 929 37 4 388-8 6 945 8 492-18 15 007 Personalkostnader -1 105-964 15-1 172-6 -2 069-2 270-9 -4 246 0 0vriga kostnader -937-909 3-877 7-1 846-1 734 6-3 489 Av- och nedskrivningar av tillg 0 2ngar -21-22 -5-17 24-43 -40 8-85 Kostnader -2 063-1 895 9-2 066 0-3 958-4 044-2 -7 820 Resultat f 0 2re kreditf 0 2rluster 1 953 1 034 89 2 322-16 2 987 4 448-33 7 187 Kapitalvinster och -f 0 2rluster fr 0 2n tillg 0 2ngar 3-100 3 2 Kreditf 0 2rluster -27-29 -7-115 -77-56 -224-75 -326 R 0 2relseresultat 1 926 1 008 91 2 207-13 2 934 4 224-31 6 863 K/I-tal 0,51 0,65 0,47 0,57 0,48 0,52 Allokerat kapital, miljarder kronor 27,0 27,0 26,4 27,0 26,4 26,4 R 0 1ntabilitet, % 20,5 10,8 24,1 15,6 23,0 18,7 Antal befattningar 2 760 2 742 2 568 2 732 2 535 2 566 6 1 Robust kundaktivitet och f 0 2rb 0 1ttrad riskpriss 0 1ttning 6 1 R 0 2relseresultatet h 0 1mmat av v 0 1rderingsf 0 2rluster i portf 0 2ljerna fr 0 1mst i kvartal 1 6 1 Stabila underliggande kostnader Kommentarer till de f 0 2rsta sex m 0 2naderna a 0 6 0 5 0 4 0 2 0 7 0 2 0 5 0 7 0 5 0 1 ~ 0 5 г 0 5 0 7 0 5 г 0 5 ~ 0 5~ 0 1 0 6 6 4 0 7 OMMU~ 0 6 0 5 0 7 0 0 0 1~ 0 5 6 4 0 6 0 3 0 1 0 5 0 4 0 5~ 0 5 г 0 0 0 9 0 2 0 5~ 0 9 0 6 0 7 0 5 0 4 0 0 0 5 0 4 0 5~ 0 4 0 5 0 3 0 9 0 7 0 5 0 7 6 4 0 5 0 7 0 0 0 1 0 4 0 2~ 0 1~ 0 5 0 2~ 0 2 0 5 0 0~ 0 9 0 2~ 0 5 0 7 0 2~K g 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 7 0 4 0 5 0 5 0 4 0 1 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 5NU 0 4 0 3 0 7 0 2 Ka 0 7 6 4 0 7 0 5 0 3 0 0 ~ 0 5 0 7 0 5 0 0 0 5 0 4 0 3 0 9 0 2 0 5 0 7 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 1 0 1 0 7 0 2 0 2 0 6 6 4 г 0 6 0 7 Q 0 0 0 1 ~ 0 5 0 7 Ks 0 3 0 5 0 7 0 2 0 0 0 5J 0 5 г 0 1 0 5 0 7 0 2~ 6 4 0 5 0 6 0 5 0 4 0 2 0 7 0 2 0 5 0 2 0 2 0 7 0 5~ 0 6~ 0 6 0 3 0 2 0 7 0 2 0 3 ~ 0 2 0 5 0 7 0 6 0 3 0 5 0 7 ~ 0 7 0 2 0 7 0 0 0 3 0 2 0 5~ 0 5 0 7 0 5 0 2 0 5 0 7 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 1 0 1SSj 0 9 0 4 0 3 0 5 0 0 0 3 0 9 0 2 0 5 0 7 0 5 г 0 5 ~ 0 5~ 0 1 0 6 6 4 0 7 0 4 ~ 0 1 0 1 0 1VPUj 0 9 I 0 6 0 1 0 9 0 7 0 1 0 1 0 5~ 0 0 0 0~ 0 2 0 5 0 0 0 7 0 5 0 5 0 6 6 4 ~ 0 5 г 0 5 0 3 0 2 0 2 0 0~ 0 5 г `~ ~ 0 1j~ 0 9 0 7 0 5 0 4 0 3 0 5 0 0 0 2 0 5 0 9~ 0 5 0 7 6 4 0 5 0 0 0 6 0 2 0 2 0 0 0 5 0 2 0 3 0 9 0 7 0 5 г 0 9 0 1~ ~ 0 0 0 2 0 5 0 9 0 2 0 2 0 0 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5 0 5 0 4 0 1Ka 0 7 0 7 0 5 0 1 ~ 0 7 0 1~ 0 7 ~ 0 5 0 7 0 9 0 4 0 5 0 2~ 0 5 0 7 0 2~ 0 5 г 0 2 0 9 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 1 0 3 0 0 0 7 0 6 0 2 0 5 0 2 0 6 6 4Ka 0 7 0 2 0 5 0 7 0 1 0 0 0 0~ 0 2 0 5 0 7 0 9 0 4 0 5 0 2~ 0 5 0 7 0 2~ г 0 9~ 0 5 0 7 6 4 0 0 0 2 0 5~ 0 6 0 2 0 6 0 7 0 5 0 7 0 2 0 0~ 0 7 0 5 0 4 0 2~ 0 1Kq 0 4 0 5 0 5 0 7 0 2 0 7 0 5 0 1 0 0 0 5 6 4 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 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 I 0 5 0 7 ~ 0 5 г 0 6 0 3 0 5 0 7 0 2 0 0 0 5 0 5 г 0 1 0 5 0 7 I 0 7 0 2 0 5~ 0 5 0 0 0 7 0 5U 0 4 0 3 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5 0 5 0 4 0 1Kh 0 6~ 0 1 0 7 0 7 0 2 6 4 0 1 0 1 0 0 6 4 0 2 0 0~ 0 2~ 0 6~ 0 5 0 4 0 5~ 0 0 0 4 0 5 0 4 0 3 0 5 0 5 ~ 0 2 0 1K q 0 4 0 5 0 5 0 4 0 5~ 0 4 0 5 0 3 0 9 0 7 0 5 0 7 0 4 0 3 0 5 0 6 0 4 0 1~ 0 1 0 7 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 3 0 6 0 7 0 2 0 2 0 5 0 7 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 6~ ~ 0 5 0 5 0 3 0 5 0 5 0 1 г 0 5 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 5 0 5 0 4 0 5~ 0 5 г 0 0 0 4 0 3 0 5 0 5 0 7 0 5 0 1 0 7 0 5 ~~ 0 5 0 5 0 3 0 5 0 7 0 2 0 5 0 7 0 7 0 1 0 7 0 6 0 7 0 7 ~ 0 5 0 7 0 5 ~ 0 9~ 0 7 0 5 0 1 ~ Kf 0 2 0 4 0 0 b 0 7 0 5 0 6~ 0 2 0 3 0 9 0 7 0 2~I 0 4 0 5 0 1 0 3 0 0 0 7 0 2 г 0 5 0 6 0 4 0 1 0 0 0 7 I 0 0 0 4 0 5~ 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 I 0 6 0 1 0 9 0 7 0 5 0 7 0 0 0 1~ pb_w 0 5 0 6 0 3 0 9~ 0 2 0 5 0 7 0 0~ 0 9 0 2~ 0 5 0 5~ 0 2 0 5 0 7 0 1 0 4 0 3 0 5 0 2 0 7 0 5 0 5 0 7 0 2 0 2 0 3 0 9 0 5 0 2~ 0 5 0 7 0 2 0 2 0 4 0 0 0 2~ 0 2 0 9 0 7 0 2 0 5 ~ 0 9 0 7 0 7 0 1~ 0 7 ~ 0 5 0 7 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 0 7 Kpb_W 0 5 0 1 0 7 0 5~ 0 2 0 5 0 7 0 4 0 5 0 4 0 2 0 2 0 4 0 0 0 5 0 7 ~ 0 4 0 0 6 4 0 5 0 7 0 5 ~ 0 0 0 0 6 4 0 4 0 3 0 9 0 5 6 4~ 0 6 0 7 ~ 0 2 ~ 0 1 0 0 0 3 0 9 0 7 0 1 0 5 0 7 I 0 2 0 1~ 0 2 0 5 ~ 0 2 0 2~ 0 5 0 4 0 0 0 2 0 3 0 5 ~ 0 6 0 7 0 5 0 4 0 5 0 7 0 6 k 0 4 0 5 0 7 0 2 0 4 0 3 0 5_~ 0 1 0 9 0 0 Eb 0 4 0 0 0 4 0 2 0 7 F 0 4 0 3 0 5J 0 5 г 0 5 0 2 0 5 0 7 6 4 0 7 ~ 0 5J 0 5 0 4 0 0k N 0 2 0 4 0 0 0 2 0 4 0 5 0 5 0 9 0 7 0 7 0 5 0 7~ 0 3 0 5Eq 0 5 0 4 0 0 0 5 0 4 0 2o 0 7 0 7 0 5b 0 9 0 7 0 1FKf 0 2 0 3 0 9 0 5J 0 4 0 3 0 5 0 6 0 2 0 5 0 1 0 1 0 6 0 3 0 9 0 7 0 2 0 2 0 4 0 0 0 6~ 0 1 ~ 0 5~ 0 2 0 5 0 7 0 1 0 2 0 5 0 4 0 5~ 0 7I 0 0 0 7 0 5~ 0 2 0 5 0 7 0 2 0 0~ 0 2~ 0 2 0 5 0 7 0 0 0 1 г 0 2 0 5 г 0 3 0 2 0 7 0 2 0 3 ~ 0 2 0 5 0 7 0 6 0 3 0 5 0 7 ~ 0 7 I 0 5 0 3 0 5 0 9 0 1 0 2 0 5 0 7 0 0~ 0 5 0 4 0 3 0 5 0 2 I 0 7 0 5 0 1 0 7 ~ 0 5 0 7 0 7 0 2 0 1 0 3 0 0 0 7 0 6 0 2 0 5 K ^ 0 9 0 6 0 7 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 7 0 0 0 0 0 7 0 5 0 7 0 2 0 6 0 5 0 5 0 5 г 0 2 0 3 0 2 0 0 0 2 0 4 0 0 0 5 г 0 6 0 3 0 6 0 4 0 3 0 5 0 5 0 5 0 4 0 2 0 7 EjC^F 0 4 0 3 0 5 г 0 9~ 0 5 ~ 0 9 0 6 0 7 0 2 0 4 0 0 0 7 0 3~ ~ 0 1 0 0~ 0 9 0 7 0 5Kb 0 4 0 0 0 4 0 2 0 7 ~ 0 2 0 9~ 0 5 0 7 pb_ 0 5 0 4 0 0 0 2 0 3 0 5 ~ 0 6jC^ 0 5 0 4 0 5 0 7 0 6 k 0 4 0 5 0 7 0 2 0 4 0 3 0 5_~ 0 1 0 9 0 0K b 0 5 0 7 0 5 6 4 0 0~ 0 2 6 4 0 1 6 4 0 2 0 4 0 3 0 5 0 5 0 9 0 7 ~ 0 5 0 5 0 2~ 0 2 0 5 0 7 0 2 0 0 0 6~ 0 5 г 0 0 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 5 0 3 0 0 0 7 0 9 0 7 0 5 0 6 0 1 0 1 0 9 0 4 Kj~ 0 0 0 2~ 0 1 0 7 0 2~ 6 4 0 1 6 4 0 2 0 2 0 0 0 6~ 0 5 ~ 0 2 0 1~ 0 0 0 7 0 5~ 0 2 0 2 0 3 0 7 0 1 6 4 0 2 0 7 0 5 0 9 0 7 0 1 0 7 0 5 0 5 0 7 0 1 0 1 0 7 0 2 0 0 0 7 0 2 0 7 0 7 0 1 0 1 0 5 г 0 2 0 3 0 2 0 0~ 0 6 0 5 0 5 0 3 0 2 0 2 0 0 0 7 0 2 6 4 0 5 0 9K 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 6~ 0 5 ~ 0 2 0 1~X 0 5 г 0 0 0 7 0 3~ 0 5 0 5 0 0~ 0 2~ 0 0 0 7 0 0 0 7 0 2 J 0 2 0 3 0 9 0 7 0 0 0 4 0 6 0 7 0 9~ 0 5 0 7 0 7 0 2 0 6 0 5 0 5 0 0 0 2 0 5 0 9 0 2 0 2 0 0 0 5 г 0 5 0 7 6 4 0 5~ 0 2 0 7 0 2 0 0 0 7 0 2 0 4 0 5~ 0 9~ 0 5~ 0 6 0 5 0 7 0 5~ 0 1 0 1~ 0 2 0 5 0 7 0 2 г 0 5 0 9 0 5 0 7 0 2~Kf 0 5 0 1 0 7 ~ 0 6 0 7 0 4 0 5 0 7 0 2 0 1 6 4 0 0 0 5 0 7 6 4 0 5 г 0 6~ 0 2 0 0 0 5J 0 6 0 4 0 1 0 0 0 7 0 2 6 4QTOU 0 0 0 1 ~ 0 5 0 7 Kpb_ ~ 0 2 0 9~ 0 5 0 7 0 5 6 4 0 7 0 5 0 4 0 0 0 2 0 3 0 5 ~ 0 5 0 2J 0 3 0 5 0 4 0 5 ~ 0 2 0 6J 0 2~ 0 2 0 9 k 0 4 0 5 0 7 0 2~ 0 6d 0 1 0 4 0 2~ 0 1c 0 2~ 0 2 0 3 0 7 0 4 0 3 0 5 0 5 0 4 0 0 0 2 0 3 0 5 ~ 0 2~ 0 2 0 9 6 4 0 3~ 0 5 0 5 0 0~ 0 2~ 0 0 0 7 0 0 0 7 0 2 k 0 4 0 5 0 7 0 2 0 4 0 3 0 5_~ 0 1 0 9 0 0~ 0 6 b 0 4 0 0 0 4 0 2 0 7 K pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMMU NN
1 3Kontorsr 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 5 0 7 0 9~ 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 5Ib 0 5 0 1~ 0 2 0 5Ii 0 7 0 1~ 0 2 0 5Ii ~ 0 7 0 2 0 4 0 3 0 5h 0 4 K Resultatr 0 1kning Kv 2 Kv 1 Kv 2 Jan- Jun Hel 0 2r Mkr R 0 1ntenetto Provisionsnetto Nettoresultat av finansiella transaktioner 0 0vriga int 0 1kter netto Int 0 1kter 2008 2 593 1 430 102 85 4 210 2008 2 551 1 431 95 23 4 100 % 2 0 7 3 2007 2 429 1 549 114 35 4 127 % 7-8 -11 143 2 2008 5 144 2 861 197 108 8 310 2007 4 705 3 072 206 57 8 040 % 9-7 -4 89 3 2007 9 698 6 219 482 159 16 558 Personalkostnader -1 168-1 154 1-1 045 12-2 322-2 063 13-4 235 0 0vriga kostnader -1 348-1 304 3-1 324 2-2 652-2 619 1-5 286 Av- och nedskrivningar av tillg 0 2ngar -76-77 -1-87 -13-153 -162-6 -318 Kostnader Resultat f 0 2re kreditf 0 2rluster Kapitalvinster och -f 0 2rluster fr 0 2n tillg 0 2ngar Kreditf 0 2rluster R 0 2relseresultat K/I-tal Allokerat kapital, miljarder kronor R 0 1ntabilitet, % Antal befattningar -2 592 1 618-440 1 178 0,62 25,3 14,2 9 325-2 535 1 565-311 1 254 0,62 25,3 15,3 8 995 2 3 41-6 -2 456 1 671-161 1 510 0,60 24,8 19,1 8 912 6-3 173-22 -5 127 3 183-751 2 432 0,62 25,3 14,7 9 050-4 844 3 196-283 2 913 0,60 24,8 18,3 8 708 6 0 165-17 -9 839 6 719 4-715 6 008 0,59 24,8 18,8 8 802 6 1 Starkt r 0 1ntenetto uppv 0 1gde minskade v 0 1rdepappersrelaterade int 0 1kter 6 1 Stabilt resultat f 0 2re kreditf 0 2rluster 6 1 Fortsatta reserveringar i Estland Kommentar till de f 0 2rsta sex m 0 2naderna o 0 3 0 2 0 7 0 2 0 7 0 4 0 5 г 0 2 0 3 ~ 0 5 0 7 0 5 0 2 0 4 0 0 0 5~ 0 0 0 1 0 0~~ 0 5 0 5 0 3 0 5 0 4 0 0 6 4 0 5 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5 0 5 г 0 5 ~ 0 5~ 0 1 0 6 6 4 0 7 OMMT ~ 0 3 0 9 0 6~ 0 7 0 5 0 4 0 5~ 0 1 0 1 0 6 0 3 0 9 0 2 0 4 0 0 0 2J 0 4 0 3 0 5 0 1 6 4 0 2 0 2 0 0 0 7 0 2Kp~ 0 0 0 5 0 0 6 4 0 6 0 7 0 9~ 0 5 0 7 0 1 0 3 0 0 0 7 0 9 0 2 0 5~ 0 9 0 6 0 7 0 5 0 7 0 6 0 3 0 5 0 7 ~ 0 7 0 5 0 7 0 1~ 0 7 ~ 0 5 0 7 0 2 0 3 0 9 0 7 0 2~ 0 2 0 7 0 0~ 0 6 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 4 0 4 0 2 6 4 0 5 0 2~ 0 2 0 5 0 0~ 0 9 0 2~ 0 5 0 7 0 2~Ko 0 7 0 5 0 1 ~ 0 7 0 5 г 0 7 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 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 5 ~ 0 5~ 0 1 0 6 6 4 0 7 OMMTKh 0 7 0 5 0 5 г 0 1 0 5 0 7 0 2~ г 0 9~ 0 5 0 7 0 5 0 3 0 0 0 5 6 4 0 0 0 2 0 5~ 0 6 0 5 г 0 0 0 7 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ b 0 5 0 1~ 0 2 0 5Ko 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 0 0 7 0 5 NT 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 5 ~ 0 5~ 0 1 0 6 6 4 0 7 OMMTK fp 0 6 0 7 0 0 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 0 3 0 0 0 5 г 0 0 0 7 0 5 0 5 г 0 5 ~ 0 5~ 0 1 0 6 6 4 0 7 OMMT 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 7 0 2 г 0 9 0 2 0 2 0 0~ 0 6 0 3 0 2 0 7 0 2 0 7 0 4 0 0 0 7 0 5NM 0 4 0 3 0 7 0 2 K^ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 5 0 3 0 2 0 7 0 2 0 7 0 4 0 6~ 0 5 0 7 0 5 ~ 0 9~ 0 5 0 7 0 5 0 1 0 1 0 5K_ 0 4 0 1 6 4 0 2 г 0 9~ 0 5 0 7 0 0 0 7 0 5NP 0 4 0 3 0 7 0 2 6 4 6 4 0 5 0 2~ 0 5 0 5K c г 0 5 0 3 0 1 0 2 0 2 0 0 0 5 0 0~ 0 0 0 2~ 0 1 0 7 0 2~ г 0 9~ 0 5 0 7 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 1 6 4 0 0 0 1 0 2 0 7 0 0 0 7 0 5 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 5 0 0~ 0 0 0 2~ 0 1 0 7 0 2Kf 0 2 0 1 6 4 0 2 0 2 0 0 0 7 0 2 г 0 9~ 0 5 0 7 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 1 0 4 0 3 0 5 0 2 0 1 6 4 0 2 0 2 0 0 0 5 0 0~ 0 0 0 2~ 0 1 0 7 0 2~ 0 5 г 0 2 0 3 ~ 0 5 0 7 0 5Kp~ 0 0 0 5 0 0 0 0 0 2 0 5 0 9~ 0 5 0 7 0 0~ 0 9 0 2~ 0 5 0 5 0 9 0 3 0 2 0 5 0 1 0 0~ 0 2 0 3 0 9 0 7 0 5 0 4 0 0 0 3 0 4 ~ 0 0 0 7 0 2 0 3 0 9 0 7 0 4 0 3 0 5~ 0 6 0 0 0 5 0 7 6 4 ~ 0 9 0 7 0 4 0 2 0 1 0 0~ 0 4 0 2 0 7 Kp~ 0 5 0 2 0 2 0 0 0 7 0 2 6 4 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 5 0 4 0 5~ 0 7~ 0 0 0 7 0 7 0 5 0 1 ~ 0 0 0 7 0 5 0 7 0 2 0 5 0 1 г 0 5 0 7~ 0 6 0 5 0 0 RMMMEPRMMF 0 2 ~ 0 9 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 R 0 4 0 3 0 7 0 2 6 4 0 0 0 2 0 5~ 0 6 0 5 г 0 0 0 7 0 7 0 2 0 5 0 4 0 2 0 5 0 9 0 4 0 5 0 2~ 0 5 0 7 K q 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 6 0 0~ 0 2 0 2 0 0 0 7 0 2 b 0 5 0 1~ 0 2 0 5 0 5 0 7 0 9 0 4 0 2 0 4 0 0 6 4 0 6 0 7 0 9~ 0 5 0 7 0 5 г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 7 0 2 0 7 0 0~ 0 6 ~ 0 6 г 0 9~ 0 5 0 7 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ Kq 0 4 0 5 0 7 0 2 0 0 0 7 0 2 0 7 0 7 0 1 0 1 г 0 9 0 2 0 2 0 0~ 0 6 0 4 0 2 0 1 0 7 0 0 0 9 0 7 0 5 0 7 i 0 7 0 1~ 0 2 0 5 0 5 0 4 0 3 0 5i ~ 0 7 0 2 0 5 0 2~ 0 2 0 9 0 5 0 5 0 7 0 0 0 5~ 0 9 0 7 0 5 0 9 0 6~ 0 1 0 7 0 7 0 2 pb_w 0 5 0 4 0 5 г 0 1 0 7 0 2 0 7 0 5 г ~ 0 2 0 1 0 7 0 7 0 1 0 0~ 0 7 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ K pb_w 0 5 0 5 г 0 5 0 9 0 0~ 0 1 6 4 0 2 0 2 0 0 0 5 0 4 0 1 0 9 0 5 0 4 0 5~ 0 7 0 4 0 3 0 5 0 0 0 7 0 2 0 7 0 7 ~ 0 5 0 7 0 7 0 2 0 9 0 7 0 5 0 1 0 1 0 6 0 3 0 9 0 7 0 9 0 6~ ~ 0 1 6 4OIP 0 7 0 5 0 7 0 9 0 6 0 7Q 0 4 0 3 0 7 0 2 b 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 2Kpb_W 0 5 0 0~ 0 9 0 2~ 0 5 0 5~ 0 2 0 5 0 7 0 1 6 4 0 1 6 4 0 2 0 2 0 0 0 5 0 7 0 7 0 1 0 3 0 2 0 5 0 7 0 2~ 0 6~ 0 5 0 4 0 5~ 0 7 0 1~ 0 6 0 5 ~ 0 2 0 1Kf 0 1 0 2 0 7 0 0 0 7 0 5 0 5~ 0 5 0 2 0 2 0 0 0 7 0 2 0 2 0 4 0 0 0 5 ~ ~ 0 2 0 5 0 7 0 4 0 0 6 4 0 5 0 7 0 1~ 0 2 0 5 0 7 ~ 0 5 0 7 0 5 0 2 ~ 0 5 0 4 0 2 0 5 0 7 I 0 1 0 1 0 7 0 9 0 7 0 0 0 7 0 1pb_^ 0 5 0 5 0 7 p 0 7 0 1 0 7 0 3 0 4 0 2I _~ 0 1 0 9 0 0Kpb_W 0 5 0 5 ~ 0 9~ 0 4 0 5 0 4 0 2 0 7 0 0 0 4 0 2 0 7 0 2 0 2 0 7 0 9 0 3 0 5 ~ 0 5 0 7 0 5 0 7 0 1 0 0~ 0 7 0 0 0 7 0 2 0 4 0 0~ pb_ i 0 7 0 1~ 0 2 0 5 0 4 0 3 0 5i ~ 0 7 0 2 0 5 6 4 0 0 0 5 0 1 0 1_ 0 3 0 5 ~ 0 2~ 0 2 0 9~ 0 6d 0 1 0 4 0 2~ 0 1 c 0 2~ 0 2 0 3 0 7Kpb_ i ~ 0 7 0 2 0 5 0 3 0 9 0 0 0 3 0 9 0 7 0 1 0 5 0 7 0 2 0 5 г 0 4 0 2 0 5 0 7 6 4 0 7 0 5 г 0 1 0 5K fq 0 5 0 9 0 1~ 0 2 0 5 0 1 6 4 0 0 0 1 г 0 2 0 5~ 0 0 0 5 0 7 0 7 0 2 0 5 0 4 0 5~ ~ 0 2 0 5 0 7 6 4 0 7 0 2 0 4 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 4Kc г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2~ 0 6 0 9 0 4 0 2 0 5 0 0 0 7 0 2 0 9 0 7 0 5 0 7 I 0 2 0 4 0 1 6 4 0 2 0 4 0 3 0 5 0 5 г 0 5 0 3 0 9 0 2 0 0~ 0 6~ 0 5 г 0 0 0 7I 0 0 0 7 0 5~ 0 2 0 6 0 3 0 5 0 7 ~ 0 7 0 5 0 7 0 1~ 0 7 ~ 0 5 0 7 0 2 0 3 0 9 0 7 0 6 0 7 0 3 0 9 0 1~ 0 5 0 7 0 5 0 2 0 7 0 0~ 0 6 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 0~ 0 9 0 2~ 0 5 0 5 0 4 0 4 0 2K h 0 4 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 0 7 0 2 0 5~ 0 5 0 7 0 7 0 2 0 5 0 4 0 5~ 0 5 ~ 0 9 0 2 0 5 0 7 0 1 0 0 0 0~ 0 2 0 5 0 7 0 1 0 1 0 6 0 3 0 9 Kl 0 0 0 5 0 3 0 2 0 2 0 0 0 7 0 2 г 0 9~ 0 5 0 7 0 0 0 7 0 5T 0 4 0 3 0 7 0 2 0 2 0 5 0 7 0 5 0 7 0 5 г 0 5 ~ 0 5 0 7 0 9 0 0 6 4 0 2~ 0 5 0 7 0 2~Kc 0 1 0 7 ~ 0 2 ~ 0 9 0 2 0 5 0 7 0 2 0 5~ 0 2 0 5 0 7 0 2I 0 1 0 1 0 7 0 9 0 7 0 0 0 7 0 1b 0 4 0 3~ 0 5m 0 1~ 0 2 0 0~ 0 2 0 5b 0 4 0 3~ 0 5` 0 4 0 4 ~ 0 7 i 0 0 0 7 0 5I 0 1~ 0 2 0 5 0 7 ~ 0 5 0 7 0 5Ka 0 7 0 5 0 5 0 4 0 0 0 0 0 4 0 5 0 7 0 5 0 7 0 2 0 1 0 3 0 9~ 0 5 0 1~ 0 2 0 5 0 7 0 2 0 0 ~ 0 6b 0 4 0 3~ 0 5 6 4 0 5 0 7 0 2 0 5 0 2 0 5 0 9~ 0 0~ 0 9 0 2~ 0 5 0 7 0 2K pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMMU NO
1 3Kapitalf 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 Kv 2 Kv 1 Kv 2 Jan- Jun Hel 0 2r Mkr 2008 2008 % 2007 % 2008 2007 % 2007 R 0 1ntenetto 199 242-18 198 1 441 384 15 843 Provisionsnetto 820 958-14 1 086-24 1 778 2 110-16 4 077 Nettoresultat av finansiella transaktioner 8 20-60 16-50 28 30-7 79 0 0vriga int 0 1kter netto 26 9 189 27-4 35 33 6 86 Int 0 1kter 1 053 1 229-14 1 327-21 2 282 2 557-11 5 085 Personalkostnader -367-383 -4-314 17-750 -660 14-1 340 0 0vriga kostnader -270-288 -6-243 11-558 -496 13-1 040 Av- och nedskrivningar av tillg 0 2ngar -22-24 -8-21 5-46 -34 35-60 Kostnader -659-695 -5-578 14-1 354-1 190 14-2 440 Resultat f 0 2re kreditf 0 2rluster 394 534-26 749-47 928 1 367-32 2 645 Kapitalvinster och -f 0 2rluster fr 0 2n tillg 0 2ngar -1-100 -1-100 -1 Kreditf 0 2rluster 23-25 -192-5 -2-9 -78-7 R 0 2relseresultat 417 509-18 743-44 926 1 357-32 2 637 K/I-tal 0,63 0,57 0,44 0,59 0,47 0,48 Allokerat kapital, miljarder kronor 6,6 6,6 5,5 6,6 5,5 5,5 R 0 1ntabilitet, % 18,2 22,2 38,9 20,2 35,5 34,5 Antal befattningar 1 143 1 160 1 050 1 153 1 086 1 074 6 1 R 0 2relseresultatet ned med 32 procent 6 1 Stark f 0 2rs 0 1ljning inom b 0 2de Institutional Clients och Private Banking 6 1 0 0kad marknadsandel p 0 2 den svenska fondmarknaden Kommentar till de f 0 2rsta sex m 0 2naderna ^ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 3 0 0 0 1~ 0 5 0 7 0 5~ 0 6 0 7 0 2 0 5 0 4 0 5~ 0 5 г 0 5 0 9 0 0 0 2 0 5 0 3 0 1 0 1 0 2 0 2 0 0 0 5 6 4 0 2 0 2 0 6 0 7 0 5 0 7 ~ 0 2~Kr 0 2 0 5 0 7 0 5 0 7~ 0 6 0 5 0 1 ~ 0 2 0 5 0 7 0 0 6 4 0 2~ 0 5 0 7 0 2~ г 0 9~ 0 5 0 7 0 5 0 4 0 3 0 9 0 2 0 7 0 5 0 5 0 7 0 5 г 0 5 0 9 ~ 0 0~ 0 2 0 5 0 7 0 2 6 4 0 0 0 4 K f 0 2 0 3 0 9 0 7 0 2~ 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 5 г 0 2 0 9 0 0 0 7 0 5 NN 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 Kk 0 7 0 4 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 4 0 3 0 5 0 7 г 0 9~ 0 3 0 2 0 7 0 2 0 7 0 4 0 2 0 5 0 4 0 0 0 4 0 5 0 6 0 0 0 7 0 5~ 0 2 0 4 0 6 0 5 0 4 0 2 0 5 0 2 0 7 0 4 0 5 г 0 1 0 1 6 4 0 0 0 2 0 5~ 0 6 0 1 0 3 0 0 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 9 0 2 0 5~ 0 9 0 6 0 7 K q ~ 0 2 0 5~ 0 9 0 4 0 2 0 5J 0 4 0 3 0 5 0 7 0 5 ~ 0 4 0 2 0 5 0 7 0 1~ 0 7 ~ 0 5 0 7~ 0 6 0 4 0 5 0 7 0 2 0 0 0 3 0 9 0 1 0 1ONT 0 0 0 1 0 4 0 2 0 7 0 9 0 4 0 2 0 4 EPPMFK h 0 4 0 5 0 2~ 0 5 0 7 0 2~ г 0 9~ 0 5 0 7 0 0 0 7 0 5NQ 0 4 0 3 0 7 0 2 K^ 0 6 0 5 0 7 0 5 0 5~ 0 6~ U 0 4 0 3 0 7 0 2 0 3 0 9 0 7J 0 3 0 0 0 5 г 0 2~ ~ 0 9 0 4 0 5 0 2~ 0 5 0 7 0 2 0 9 0 1 0 5 0 6 0 7 0 2 0 1~ 0 2 0 5~ 0 2 0 2~ h 0 7 ^ 0 5 0 5 0 7 j~ 0 2~ 0 0 0 7 0 0 0 7 0 2 0 4 0 3 0 5 г 0 9~ 0 5 0 7 0 7 0 2 0 5 0 4 0 2 0 5~ 0 6 0 5 0 3 0 2 0 2 0 0~ K a 0 7 0 2 0 5 0 7 0 1 0 0 0 0~ 0 2 0 5 0 7 0 9 0 4 0 5 0 2~ 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 9 0 4 0 1~ 0 5 0 7 0 1 0 1 0 5~ 0 5 0 2 0 2 0 0~ 0 2 0 4 0 0m 0 6~ 0 7_~ 0 2 0 9 0 2 0 0 0 4 0 3 0 5 f 0 2 0 5 0 4 0 2~ 0 1p~ 0 1 0 7 0 5I~ 0 1 0 7 0 2~ 0 6~ 0 2 0 6 0 7 0 5 0 7 0 2 0 0~ 0 4 0 3 0 5 0 2 0 6 0 7 0 5 0 7 0 2 0 0~ 0 7 0 5 0 5 0 7 0 9 0 6 0 5 0 7 0 2 0 0 0 5 0 4 0 0 ~ 0 0 0 0 0 7 pb_t~ K h 0 4 0 5 0 2~ 0 5 0 7 0 2~ 0 2 0 5 0 7 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 5 г 0 2 0 9 0 0 0 7 0 5R 0 4 0 3 0 7 0 2 K o г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 7 0 5 г 0 7 0 4 0 5 0 7 0 2 0 5 г 0 2 0 9 0 0 0 7 0 5PO 0 4 0 3 0 7 0 2 0 1 0 1 VOSj 0 9 Kh 0 7 0 5 0 5 г 0 1 0 5 0 7 0 4 0 0 0 4 ~ 0 1 PNj 0 9 0 7 0 1~ 0 7 ~ 0 5 0 7 0 1 0 1 b 0 2 0 9 0 1~i 6 4 0 2 0 7 k 0 4 0 0 0 7 г 0 6 0 7 0 5 г 0 5 0 7 0 5 0 1 0 1pb_h 0 4 K pb_ 0 5 0 4 0 5~ 0 7~ ~ 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 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 2I 0 0 0 7 0 5 0 7 0 2 0 7 0 4 0 2 0 5 0 1 г 0 5 0 7 6 4PIU 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 EUIMF 0 2 0 5 0 7 0 5 г 0 5 ~ 0 5 0 3 0 1 0 5 0 7 0 2~ 0 6OMMUKj~ 0 9 0 2~ 0 5 0 7 0 2 0 5 0 4 0 0 0 5 0 7 0 1 0 5 0 7 0 5~ 0 5 0 7 0 2 0 7 0 4 0 5 0 1 г 0 5 0 7 0 2 6 4JOU 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 ENQFK ^ 0 1 0 7 0 2~ 0 6~ 0 2 0 6 0 7 0 5 0 7 0 2 0 0~ 0 0 0 7 0 2 0 7 0 7 ~ 0 5 0 7 0 2 0 7 0 4 0 2 0 5 0 1 г 0 5 0 7 0 2 6 4 0 4 ~ 0 1 TIS 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 EPIPF 0 4 0 3 0 5 0 5 0 4 0 0 0 2 0 7 ~ 0 5 0 7 0 2 0 5 0 7 0 5 0 7 0 5 г 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 Kr 0 2 0 5 0 7 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 6~ 0 2 0 7 0 5 0 5 0 7 0 3 0 6 0 7 0 2 0 5 0 4 0 5 г 0 5 0 4 0 2 0 5 0 7 0 0 0 7 0 5 0 2 0 9 0 2 0 2 0 0 6 4 0 1 0 1 0 6 0 3 0 9 0 1 0 3 0 2 0 5 0 7 0 4 0 3 0 5 k 0 4 0 5~ 0 0 0 7 0 9~Kpb_W 0 5 0 2 0 7 0 4 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 2 0 5 0 7 0 5 г 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 1 0 7 0 5 0 5 0 7 0 1 0 1 0 7 0 2 6 4 0 4 0 2 0 5 0 7 0 1~ 0 5 6 4 0 5 0 7 0 2 0 7 0 4 0 7 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 7 0 2 0 1 0 0 i 0 7 c 0 7 ENV 0 0~ OMMUFK k 0 7 0 4 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2 6 4OM 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 EOUF 0 6~ 0 2 0 5 0 7 0 5 г 0 5 6 4 0 1 0 1~ 0 2 0 5 0 7 0 2~ 0 5 ~ 0 9 0 4 0 3 0 5 0 6 0 3 0 0 0 5 0 7 0 1 0 1 0 6 0 5 0 5 0 5 0 7 0 1 0 5 0 7 0 5~ 0 1 0 1~ 0 2 0 5 0 7 0 2 г 0 5 0 7 0 2~ 0 5 0 7 0 5 0 5 0 7 0 9 6 4 0 5 0 7 0 5 г 0 6~ 0 1 ~ 0 5 0 7 0 9~ ~ 0 1 0 7 0 5 0 4 0 0 0 5 0 7 0 5~ 0 2 6 4 0 5 0 5 0 9 0 5 0 7 0 5 0 2 0 9 0 0 0 7 0 5R 0 4 0 3 0 7 0 2 0 1 0 1NONT 0 0 0 1 ~ 0 5 0 7 K c 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 2 0 5 0 7 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 0 0 7 0 2 0 5~ 6 4 6 4 0 5 0 2~ 0 5 0 5 0 6 0 7 0 3 0 9 0 1~ 0 5 0 5 0 6~ 0 0 K QV 0 4 0 3 0 7 0 2 ETNF~ 0 6 0 4 0 5 г 0 1 0 7 0 2~ 0 4 0 3 0 5QR 0 4 0 3 0 7 0 2 EURF~ 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 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 1 NMIT 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 ETIMF 0 4 0 5 0 5 0 7 0 2 0 7 0 5 0 6 0 3 0 1 0 0~ 0 0~ 0 9 0 2~ 0 5 0 5 0 5 г 0 5 6 4 0 1 0 1~ 0 2 0 5 0 7 0 2~Kc ~ 0 0 0 0 6 4 0 2 0 0~ 0 2~ 0 3 0 7 0 7 0 5 0 1 ~ ~ 0 6 0 0 0 3 0 9 0 7 0 5 г 0 0~ 0 9 0 6 0 7 0 4 0 3 0 5 0 7 0 2 0 3 ~ 0 5~ 0 0~ 0 2 0 7 0 7 0 0 0 7 0 5 0 9 0 4 0 2 0 4 0 5 г 0 7 0 1 0 5 0 7 0 2K f 0 2 0 5 0 4 0 2~ 0 1` 0 1 0 7 0 2 0 5 0 5~ 0 5 0 7 0 7 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 5 0 0 0 3 0 5 0 5 0 0 0 5 ~ 0 9 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 p 0 6 0 7 0 0 0 7Ia~ 0 2 0 0~ 0 9 0 4 0 3 0 5_~ 0 1 0 9 0 0Kb 0 5 0 1 0 7 ~ 0 1 0 2 ~ 0 4 0 5 0 9 0 7 0 2 0 4 0 0 0 5 0 7 ~ 0 1 0 7 0 2~ 0 6~ 0 5 0 7 0 0 0 0 0 7 0 2 0 7 0 2 0 4 0 5 0 3 0 7 ~ 0 5 0 7 0 5 0 2 0 5 0 7 0 5 0 7 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 KK pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMMU NP
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 4 0 3 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 Kv 2 Kv 1 Kv 2 Jan- Jun Hel 0 2r Mkr 2008 2008 % 2007 % 2008 2007 % 2007 R 0 1ntenetto -13-16 -19-6 117-29 -15 93-28 Livf 0 2rs 0 1kringsint 0 1kter netto 883 954-7 907-3 1 837 1 888-3 3 958 0 0vriga int 0 1kter netto Int 0 1kter 870 938-7 901-3 1 808 1 873-3 3 930 Personalkostnader -285-262 9-263 8-547 -517 6-1 050 0 0vriga kostnader -132-148 -11-130 2-280 -260 8-530 Av- och nedskrivningar av tillg 0 2ngar -145-160 -9-140 4-305 -270 13-548 Kostnader -562-570 -1-533 5-1 132-1 047 8-2 128 R 0 2relseresultat 308 368-16 368-16 676 826-18 1 802 F 0 2r 0 1ndring i 0 2verv 0 1rden fr 0 2n verksamheten, netto 227 250-9 323-30 477 567-16 1 273 Verksamhetsresultat 535 618-13 691-23 1 153 1 393-17 3 075 K/I-tal 0,65 0,61 0,59 0,63 0,56 0,54 Allokerat kapital, miljarder kronor 7,5 7,5 7,5 7,5 7,5 7,5 R 0 1ntabilitet, % baserat p 0 2 r 0 2relseresultat 14,5 17,3 17,3 15,9 19,4 21,1 baserat p 0 2 verksamhetsresultat 25,1 29,0 32,4 27,1 32,7 36,1 Antal befattningar 1 235 1 222 1 203 1 226 1 200 1 201 6 1 L 0 1gre r 0 2relseresultat fr 0 1mst beroende p 0 2 ogynnsam aktie- och r 0 1nteutveckling 6 1 Positiv f 0 2rs 0 1ljningsutveckling trots tilltagande konkurrens 6 1 Investering i nya marknader och 0 2kad f 0 2rs 0 1ljning bidrog till h 0 2jda kostnader Kommentarer till f 0 2rsta halv 0 2ret 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 0 0 7 0 5NU 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 Ko 0 7 0 5 0 1 ~ 0 7 6 4 0 6 0 7 0 9~ 0 5 0 7 0 5~ 0 6 0 7 0 2 0 2 0 7 0 0~ 0 6 0 7 0 2 0 0 6 4 0 2 0 0 0 5 0 7 0 5 0 5 0 7 0 9 6 4PMj 0 9 ~ 0 6 0 5 0 7 0 7 0 2 0 5 0 7 0 7 0 2 0 5 ~ 0 5 0 5~ 0 6 0 0 0 5 0 1 0 1 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 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5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 6 4 K^ 0 2 0 5 0 7 0 1 0 7 0 2 0 5 г 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 0 0 2 0 5 0 9~ 0 5 0 7 0 2 6 4 0 0 0 4 0 0 0 7 0 5~ 0 2~ 0 2 0 5 0 7 0 1 0 7 0 2 0 7 0 2 0 0 6 4 0 2 0 0 0 5 0 2 0 7 ~ 0 1 0 5~ 0 9~ ~ 0 1 0 5 г 0 5 0 3 0 9 0 2 0 0~ 0 4 0 3 0 5 ~ 0 2 0 5 ~ 0 2 0 6 0 7 0 5 0 7 0 2 0 0 0 5 0 4 0 5 0 9 0 7 г 0 9~ 0 5 0 7Ka 0 7 0 5 0 5 0 4 0 0 г 0 9~ 0 5 0 7 0 5 0 7 0 5 0 5 0 7 0 2 6 4 0 5 г 0 7 ~ 0 0 0 5 0 0~ 0 9 0 2~ 0 5 0 7 0 2 p 0 6 0 7 0 0 0 7 0 4 0 3 0 5a~ 0 2 0 0~ 0 9K q 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 5 0 7 ~ 0 5 г 0 2 0 9 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 5 0 0~ 0 0 0 2~ 0 1 0 7 0 2 0 5 г 0 5 0 7 0 2 0 5 0 7 0 2~ 0 5 0 7 0 4 0 1 0 6 0 0 6 4 0 2~ 0 5 0 7 0 5 0 7 0 4 0 5 0 7 0 2 0 1 0 1OMIT 0 4 0 3 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5 OPIT 0 4 0 3 0 7 0 2 0 5 г 0 5 0 7 0 1 6 4 0 7 OMMTK c г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2 p 0 6 0 7 0 0 0 7 0 6~ 0 4 0 5 г 0 3 0 2 0 5 ~ 0 5 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 Kfa~ 0 2 0 0~ 0 9 г 0 9~ 0 5 0 7 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2 0 0 0 7 0 5 NO 0 4 0 3 0 7 0 2 0 4 0 3 0 5 0 2 0 7 ~ 0 1 0 5~ 0 7 0 0 0 7 0 5 0 7 0 0 0 0 0 7 0 5NR 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 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~ 0 2 6 4 0 0 0 4 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 0 0 7 0 5~ 0 2 0 5 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 2 f 0 2 0 7 0 2~ 0 4 0 2~ 0 1I 0 0 0 7 0 3 0 2 0 7 0 5 0 2 0 2 0 1~ 0 5 0 7 0 5K 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 2E 0 2 0 2 0 7 ~ 0 1 0 5~ 0 7 0 0 0 7 F 0 0 0 3 0 9 0 1 0 1NQIS 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 NOIT 0 0 0 1 ~ 0 5 0 7 0 2 0 5 0 7 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 6 4 I 0 7 0 2 г 0 9 0 2 0 2 0 0 0 0 0 7 0 5 NQ 0 4 0 3 0 7 0 2 Ks 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 5 0 5 0 4 0 3 0 9 0 7 0 2 0 0 0 2 0 5 0 9~ 0 5 0 7 0 0 0 7 0 5T 0 4 0 3 0 7 0 2 0 1 0 1NOS 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 I 0 3 0 0 0 5 г 0 0 0 7 0 5 NPS 0 0 0 1 ~ 0 5 0 7 0 6 0 5 6 4 0 5 0 5 0 9 0 5 0 7 Ks 0 5~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 5 0 0 6 4 0 2 0 0 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 6 4 0 0 0 3 0 9 0 6 0 3 0 5 0 7 0 1 0 1NPT 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 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 0 0 2 0 5 0 9~ 0 5 0 7 0 0 0 7 0 5U 0 4 0 3 0 7 0 2 0 5 6 4 0 2 6 4 0 5 0 5 0 9 0 5 0 7 0 1 0 1PTS 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 K pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMMU NQ
1 3Geografisk f 0 2rdelning av r 0 2relseresultatet C januari-juni 2008 pb_ 0 7 0 2 0 5 0 7 0 2 0 6 0 7 0 5~ 0 1 0 2~ 0 2 0 9 0 5 0 3 0 2 0 5 0 7 p 0 6 0 7 0 0 0 7Iq 0 5 0 9 0 1~ 0 2 0 5 0 4 0 3 0 5 0 5 0 7 0 2~ 0 1 0 5 0 9~ 0 1 0 3 0 2 0 5 0 7 0 2~b 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_~ 0 2 0 9 0 7 0 2 0 5~ 0 4 0 3 0 9 0 5 6 4 0 1 0 4 0 9~ 0 1 0 2 0 3 0 6~ 0 4 0 5 0 7 г 0 6 0 0~ 0 2 0 4 0 5 0 5 0 9~ 0 1 0 3 0 2 0 5 0 7 0 2~Im 0 4 0 1 0 7 0 2Ir 0 9 ~ 0 2~ 0 4 0 3 0 5o 0 5 0 5 0 1~ 0 2 0 5 0 5~ 0 0 0 0 0 1 0 4 0 2~ 0 1 0 2 0 3 0 6~ 0 4 0 0 0 7 0 2 0 4 0 0 0 5 0 2 0 7 0 2~ 0 4 0 2 0 7 0 1 0 1~ 0 2 0 3 0 6 0 7 0 9 0 7 0 1 0 0~ 0 7 0 7 0 4 ~ 0 1 0 1 0 3 0 2 0 5 0 7 K 6 1 R 0 2relseresultatet utanf 0 2r Sverige 0 2verskred 50 procent 6 1 Turbulensen p 0 2 kreditmarknaden p 0 2verkade int 0 1kterna p 0 2 de flesta marknader Kommentarer till de f 0 2rsta sex m 0 2naderna a 0 7 0 2 0 5 0 4 0 5~ ~ 0 5 г 0 2 0 2 0 0 0 7 0 2 6 4 0 9 0 7 0 5 0 0~ 0 9 0 2~ 0 5 0 7 0 2 0 5 0 4 0 5~ 0 7 0 2 0 5 0 7 0 5 г 0 5 ~ 0 5 0 3 0 1 0 5 0 7 0 2~ 0 6OMMU 0 0 0 7 0 5 0 5 г 0 2 ~ 0 5 0 2 0 7 0 6 0 4 0 5 0 7 0 0 0 4 0 5 0 1 0 7 ~ 0 6~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 Kp~ 0 0 0 5 0 0 0 1 0 7 0 5 0 5 0 7 0 5 0 7 г 0 9~ 0 5 0 7 0 2 0 5 0 1~ 0 4 0 2 0 5 0 3 0 9 0 7 0 1 0 1 0 5 0 0~ 0 2 0 5 0 7 0 3 0 2 0 4 0 4 0 3 0 5 0 2 0 5 0 4 0 0 0 1 0 1 0 7 0 2 0 7 0 1 0 0~ 0 7 0 5 г 0 5 0 3 0 0 0 2 0 0~ 0 6 0 6 0 3 0 1 0 5 0 7 0 2 0 5~ 0 9 0 7 0 0~ 0 9 0 2~ 0 5 0 7 Kf 0 9 0 4 0 0 0 2 0 2~ 0 4 0 2 0 0 0 7 0 5 0 7 0 5 г 0 5 0 3 0 0 ~ ~ 0 5 0 5 0 3 0 5 0 9 0 1 0 0~ 6 4 0 6 0 7 0 9~ 0 5 0 7 0 5 0 7 ~pb_w 0 5 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 0 2 0 7 0 0~ 0 6 6 4 0 5 0 7 0 5 0 1 0 7 0 5 ~ 0 0~ 0 9 0 2~ 0 5 0 7 K fp 0 6 0 7 0 0 0 7 г 0 9~ 0 5 0 7 0 3 0 2 0 7 0 2 0 7 0 4 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 5 0 4 0 5~ 0 6 0 4 0 1 0 0 0 1 0 1 0 6 0 3 0 9 0 0 0 7 0 5~ 0 2 0 0~ 0 0 0 2~ 0 1 0 7 0 2~ 0 6~ 0 7 0 1~ 0 6 0 5 ~ 0 2 0 1~K a 0 7 ~ 0 9 0 2 0 5 0 7 0 5 0 4 0 3 0 9 0 2 0 7 0 9 0 4 0 0 0 7 0 2 0 5 0 7 ~ 0 5 г 0 1 0 3 0 0 0 7 0 6 0 3 0 5 0 7 ~ 0 7 0 5J 0 4 0 6 0 5 0 4 0 2 0 7 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 7 0 2 0 5 0 6~ 0 0~ 0 7~ 0 9 0 7 0 0~ 0 9 0 2~ 0 5 0 4 0 3 0 5 0 0 0 2 0 5 0 9~ 0 2 0 7 0 4 0 7 0 5 0 1 ~ 0 7 ~ 0 6 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1~ ~ 0 2 0 5~ 0 9 0 4 0 2 0 7 6 4 0 0 0 2 0 5~ 0 6 0 1 0 3 0 0 0 7 0 0~ 0 9 0 2~ 0 5 0 5 0 6 0 3 0 5 0 7 0 2 0 0~ ~ 0 6 0 5 0 7 0 3 0 2 0 7 0 2 0 3 ~ 0 2 0 5 0 7 0 4 0 5 г 0 1 0 7 0 2~Ka 0 7 0 4 ~ 0 1~ 0 9 0 4 0 5 0 2~ 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 2 0 6 0 7 0 5 0 7 0 2 0 0~ 0 6l 0 2 0 7pb_o 0 4~ 0 5 0 0~ 0 6 0 4 0 3 0 5 г 0 9~ 0 5 0 7 0 9 0 4 0 5 0 2~ 0 5 0 7 0 5 г 0 7 0 2 0 5 0 4 0 2 0 5~ 0 6 0 5 0 3 0 2 0 2 0 0~ K f 0 5 0 7 0 2 0 4 0 5 0 5 0 9~ 0 1 0 3 0 2 0 5 0 7 0 2~ ~ 0 2 0 5 г p 0 6 0 7 0 0 0 7 0 6 0 7 0 3 0 9 0 1~ 0 5 0 7 0 5 pb_w 0 5 ~ 0 2 0 5~ 0 9 0 4 0 2 0 5 0 2 0 9 ~ 0 5 0 7 0 5 г 0 7 ~ 0 0 0 5~ 0 5 0 5 0 3 0 7 0 6 0 3 0 1Kf 0 2 6 4 0 5 0 7 a~ 0 2 0 0~ 0 9I 0 5 0 3 0 4 0 3 0 9 0 5 6 4 0 1 0 6 0 5 г 0 5 0 3 0 9 0 2 0 0 0 5 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 0 7 0 2 0 6 0 7 0 3 0 9 0 1~ 0 5 0 7 0 5 0 4 0 5 0 6 I 0 4 0 3 0 5 k 0 4 0 0 0 7 0 0 0 7 0 5 0 5 г 0 5 0 7 0 1 0 3 0 0 0 7 ~ 0 9 0 6 0 7 0 7 0 2 0 4 0 0 0 2 0 6 0 7 0 5 0 0 0 7 0 2 0 2~ 0 2 0 9 0 2 0 0 0 7 0 2 0 2 0 7 0 5 0 0 6 4 0 2 0 0 0 2 0 3 0 9 0 7 0 4 0 3 0 5 0 7 0 5 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 Kfc 0 2 0 1~ 0 2 0 5I 0 5 0 3 0 5 0 7 0 2 0 6 0 7 0 5 0 0 0 7 0 2 0 2~ 0 2 0 9 0 2 0 0J 0 7 0 1~ 0 7 ~ 0 5 0 7 0 2 0 3 0 9 0 7 0 2~ 0 2 0 7 0 5 г 0 1 0 1 0 1 0 9~ 0 9 ~ 0 5 0 0 0 5 0 4 0 0 0 5 0 7 г 0 6 0 0~ 0 2 0 4 0 5 0 5 0 9~ 0 1 0 3 0 2 0 5 0 7 0 2~I 0 1 0 7 0 5 0 5 0 7pb_W 0 5 0 5 ~ 0 0 0 0 6 4 0 2 0 0~ 0 2 0 4 0 0 0 5 г 0 7 ~ 0 0 0 5 0 2~ 0 2 0 9 0 2 0 0 0 4 0 3 0 5 0 9~ ~ 0 1 0 5 г 0 6~ 0 1 0 2 0 2 0 0 0 1 0 1~ 0 2 6 4 0 5 0 7 0 2 0 3 0 9 0 7 0 4 0 3 0 5 г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ 0 7 г 0 9~ 0 5 0 7 0 3 0 0 0 5 г 0 0 0 7 0 5 0 5 г ~ 6 4 0 7 K f_~ 0 1 0 9 0 0 0 5 0 4 0 5~ 0 7~ 0 5 0 5 0 3 0 7 0 2~~ 0 6 0 3 0 9~ i 0 7 0 1~ 0 2 0 5 0 4 0 3 0 5 i ~ 0 7 0 2I 0 0 0 7 0 5~ 0 2 0 2 0 3 0 9 0 7 0 2~ b 0 5 0 1~ 0 2 0 5 0 6~ 0 4 0 5 г 0 3 0 2 0 5 ~ 0 5 0 7K o 0 7 0 5 0 1 ~ 0 7 b 0 5 0 1~ 0 2 0 5 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 5 г 0 0 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 Kf~ 0 1 0 1~ 0 7 0 1 0 3 0 2 0 5 0 7 0 2~ 0 5 0 7 0 0 0 9 0 4 0 5 0 2~ 0 5 0 7 0 2~ 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 5 г 0 0 0 7 0 2 0 5 0 1~ 0 4 0 2 0 4 0 3 0 5 г 0 9~ 0 5 0 7 0 9 0 4 0 5 0 2~ 0 5 0 7 0 5 г 0 1 0 4 0 9~ 0 1 0 7 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 5~ 0 5 0 0 0 5 0 7 0 5 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2 0 6 0 5 0 5 0 1 0 7 ~ 0 6 0 5 г ~ 6 4 0 7 K R 0 2relseresultat per land, f 0 2rsta halv 0 2ret 2008 Lettland 6% Estland 2% Tyskland 14% Litauen 12% Finland 5% Danmark 5% Norge 8% Sverige 48% pb_w 0 5 г 0 7 0 1 0 5 0 7 0 7 0 5 0 1 ~ q 0 5 0 9 0 1~ 0 2 0 5 0 5 г 0 2 0 3 ~ 0 5 0 7 0 5 6 4 ~ 0 0 0 1 0 0 0 2 0 5 0 7 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 3 0 0 0 5 г 0 0 0 7 0 5 0 5 0 7 0 5 г 0 5 ~Ka 0 7 ~ 0 2 0 7 0 4 0 5 0 5 0 7 0 5 0 3 0 0 0 5 6 4 г 0 9~ 0 5 0 7~ 0 5 0 5 0 3 0 5 0 6 0 4 0 1 0 0 0 7 0 2 0 4 0 0` 0 4 0 0 0 0 0 7 0 3 ~ 0 1 o 0 7~ 0 1b 0 5 ~ 0 7I 0 0 0 7 0 2 0 3 0 6 0 7 0 2p 0 4 ~c г 0 7 ~ 0 0Cf 0 2 0 5 0 4 0 2 0 7 0 2 0 5 0 4 0 0 0 4 0 5 0 6 0 0 0 7 0 5 0 2 0 3 0 9 0 7 0 5 6 4 0 2 0 6 0 3 0 5 0 7 ~ 0 7 0 5 г 0 7 0 1 0 5 0 7 0 2I 0 6 0 1 0 9 0 7 0 6 0 3 0 0 0 5 0 7 0 5 0 7 0 1 0 3 0 0 0 7 0 2 0 3 0 9 0 7 0 2~ 0 5 6 4 0 2 0 9~ ~ 0 1 0 0~ 0 9 0 2~ 0 5 0 5J 0 7 0 1~ 0 7 ~ 0 5 0 7~ 0 5 0 5 0 3 0 7 Kf 0 2 0 4 0 0h 0 4 0 2 0 4 0 5 г 0 7 0 1 0 5 0 7 0 2 0 5 0 7 0 0 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2 ~ 0 6 0 9 0 4 0 2 0 5 0 0 0 7 0 2 0 9 0 7 0 5 0 7 I 0 2 0 4 0 1 6 4 0 2 0 4 0 3 0 5 0 5 г 0 5 0 3 0 9 0 2 0 0~ I 0 0 0 7 0 5~ 0 2 0 6 0 3 0 5 0 7 ~ 0 7 0 5 0 7 0 1~ 0 7 ~ 0 5 0 7 0 2 0 3 0 9 0 7 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 2 0 1 0 7 0 2 0 5 0 7 0 2 6 4 0 0~ 0 9 0 2~ 0 5 0 7 0 2Kf 0 2 0 4 0 0h~ ~ 0 1 0 5 г 0 6~ 0 1 0 2 0 2 0 0 0 5~ 0 5 0 7 0 5 0 7 0 5 0 6 6 4 ~ 0 0~ 0 9 0 2~ 0 5 0 5 0 1 0 3 0 0 0 7 0 2 0 7 0 0~ 0 6 0 2 0 6 0 7 0 9~ 0 2 6 4 0 4 0 6 0 5 0 4 0 2 0 5 0 2 0 7 0 4 Kh 0 7 0 5 0 5 г 0 1 0 5 0 7 0 2~ q 0 5 0 9 0 1~ 0 2 0 5 0 5 г 0 1 0 1 0 6 0 3 0 5 0 7 0 2 0 1 0 0 0 3 0 0 0 5 г 0 0 0 7 0 5OMMTK ^ 0 5 0 5 0 3 0 5 0 6 0 4 0 1 0 0 0 7 0 2~ 6 4 0 2 ~ 0 0~ 0 9 0 2~ 0 5 0 7 I 0 5 0 7 0 6 0 1 0 1 0 5 0 3 0 0~ r 0 9 ~ 0 2~ 0 4 0 3 0 5o 0 5 0 5 0 1~ 0 2 0 5I 0 5 0 4 0 5~ 0 7~ г 0 9~Kf 0 2 0 7 0 0 ~ 0 4 0 2 0 7 0 2~ 0 6 0 5 0 7 0 2 0 2 0 1 0 0 0 7 0 2 0 5 г 0 6 0 3 0 6~ 0 5 0 7c~ 0 3 0 4 ~ 0 1_~ 0 2 0 9 0 6 0 7 0 3 0 9 0 1~ 0 5 0 7 0 5 0 7 0 2 0 1 0 0 0 1~ 0 2Kpb_ 0 1~ 0 2 0 7 ~ ~ г 0 2~OR 0 9 0 4 0 2 0 4 0 7 6 4 r 0 9 ~ 0 2~ 0 4 0 3 0 5 0 5~ 0 4 0 3 0 9 0 5 6 4 0 1~ 0 2 0 5 0 7 ~ 0 7 0 9 0 7 0 0 0 7 0 1 0 6 0 5 0 3~ 0 5 0 5 0 0~ 0 2~ 0 2 0 0 0 7 0 0 0 7 0 2 J 0 1 г 0 5 0 2 0 2 0 0~ I 0 9~ ~ 0 1 0 5 г 0 6~ 0 1 0 2 0 2 0 0 0 5 0 3 0 2 0 5 0 7 I 0 2 0 6 0 7 0 5 0 7 0 2 0 0 0 5 0 5 0 4 0 2 0 5 0 7 0 4 0 3 0 5 0 1 0 6 0 5 г 0 5 0 3 0 9 0 2 0 0 0 1~ 0 2 0 5 0 7 K F 0 2rdelning landvis jan - juni Int 0 1kter Kostnader R 0 2relseresultat Mkr 2008 2007 % 2008 2007 % 2008 2007 % Sverige 9 946 10 307-4 -7 027-6 264 12 2 862 3 917-27 Norge 1 289 1 554-17 - 713-829 -14 455 673-32 Danmark 1 096 1 418-23 - 741-789 -6 308 621-50 Finland 629 543 16-328 - 297 10 295 240 23 Tyskland 3 277 3 296-1 -2 365-2 288 3 843 807 4 Estland 831 833 0-352 - 320 10 111 484-77 Lettland 798 753 6-363 - 286 27 349 429-19 Litauen 1 230 1 117 10-496 - 397 25 681 665 2 0 0vriga l 0 1nder och elimineringar 109 1 091-90 - 87-216 -60 13 875-99 Totalt 19 205 20 912-8 -12 472-11 686 7 5 917 8 711-32 pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ 0 7 0 0~ 0 5OMMT NR
1 3SEB-koncernen Provisionsnetto C SEB-koncernen Kv2 Kv1 Kv2 Jan - jun Hel 0 2r Mkr 2008 2008 % 2007 % 2008 2007 % 2007 Emissioner 91 7 197-54 98 229-57 335 Aktiehandel 899 677 33 772 16 1 576 1 663-5 3 153 0 0vrig handel 14 81-83 166-92 95 343-72 598 Notariat och fondverksamhet 1 664 1 804-8 1 923-13 3 468 3 615-4 7 165 V 0 1rdepappersprovisioner 2 668 2 569 4 3 058-13 5 237 5 850-10 11 251 Betalningsf 0 2rmedling 464 439 6 446 4 903 905 0 1 808 Kortverksamhet 1 108 1 032 7 1 039 7 2 140 1 996 7 4 093 Betalningsf 0 2rmedlingsprovisioner 1 572 1 471 7 1 485 6 3 043 2 901 5 5 901 R 0 2dgivning 173 289-40 337-49 462 836-45 1 473 Utl 0 2ning 270 185 46 326-17 455 557-18 1 055 Inl 0 2ning 24 23 4 17 41 47 44 7 89 Garantier 71 67 6 62 15 138 130 6 264 Derivat 116 113 3 81 43 229 177 29 363 0 0vrigt 180 176 2 268-33 356 494-28 1 004 0 0vriga provisioner 834 853-2 1 091-24 1 687 2 238-25 4 248 Provisionsint 0 1kter 5 074 4 893 4 5 634-10 9 967 10 989-9 21 400 V 0 1rdepappersprovisioner - 275-241 14-295 - 7-516 - 499 3-902 Betalningsf 0 2rmedlingsprovisioner - 631-585 8-602 5-1 216-1 178 3-2 373 0 0vriga provisioner - 259-266 - 3-193 34-525 - 491 7-1 074 Provisionskostnader -1 165-1 092 7-1 090 7-2 257-2 168 4-4 349 V 0 1rdepappersprovisioner, netto 2 393 2 328 3 2 763-13 4 721 5 351-12 10 349 Betalningsf 0 2rmedlingsprovisioner, netto 941 886 6 883 7 1 827 1 723 6 3 528 0 0vriga provisioner, netto 575 587-2 898-36 1 162 1 747-33 3 174 Provisionsnetto 3 909 3 801 3 4 544-14 7 710 8 821-13 17 051 Nettoresultat av finansiella transaktioner C SEB-koncernen Kv2 Kv1 Kv2 Jan - jun Hel 0 2r Mkr 2008 2008 % 2007 % 2008 2007 % 2007 Egetkapitalinstrument och relaterade derivat 306 171 79 126 143 477 273 75 520 Skuldinstrument och relaterade derivat 108-1 164-109 513-79 -1 056 1 158-191 - 101 Kapitalmarknadsrelaterade 414-993 -142 639-35 - 579 1 431-140 419 Valutarelaterade 747 832-10 706 6 1 579 1 225 29 2 820 Nettoresultat av finansiella transaktioner 1 161-161 1 345-14 1 000 2 656-62 3 239 pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMMU NS
1 3Kreditf 0 2rluster C SEB-koncernen Kv2 Kv1 Kv2 Jan - jun Hel 0 2r Mkr 2008 2008 % 2007 % 2008 2007 % 2007 Reserveringar: Gruppvisa reserveringar, netto 11-112 -110-220 -105-101 - 334-70 - 390 Specifika reserveringar - 409-190 115-77 - 599-322 86-653 0 3terf 0 2rda ej l 0 1ngre erforderliga specifika reserveringar 79 44 80 87-9 123 162-24 405 Reserveringar f 0 2r utombalansposter, netto 2 1 100-7 -129 3 24-88 8 Reserveringar, netto - 317-257 23-217 46-574 - 470 22-630 Bortskrivningar: Bortskrivningar, totalt - 367-332 11-240 53-699 - 483 45-1 395 0 3terf 0 2rda specifika reserveringar utnyttjade f 0 2r bortskrivningar 217 201 8 131 66 418 255 64 711 Bortskrivningar ej tidigare reserverade f 0 2r - 150-131 15-109 38-281 - 228 23-684 0 3tervinningar p 0 2 tidigare 0 2rs bortskrivningar 19 24-21 43-56 43 178-76 293 Bortskrivningar, netto - 131-107 22-66 98-238 - 50-391 Kreditf 0 2rluster, netto - 448-364 23-283 58-812 - 520 56-1 021 V 0 1rdef 0 2r 0 1ndring p 0 2 0 2vertagen egendom - 4-4 3-8 6 5 Kreditf 0 2rluster inkl v 0 1rdef 0 2r 0 1ndring, netto - 452-368 23-280 61-820 - 514 60-1 016 pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMMU NT
1 3Balansr 0 1kning C SEB-koncernen Aggregerad 30 juni 31 december 30 juni Mkr 2008 2007 2007 Kassa och tillgodohavanden hos centralbanker 27 557 96 871 26 063 Utl 0 2ning till kreditinstitut 219 111 263 012 224 899 Utl 0 2ning till allm 0 1nheten 1 132 374 1 067 341 1 047 546 Finansiella tillg 0 2ngar till verkligt v 0 1rde * 597 723 661 223 682 881 Finansiella tillg 0 2ngar tillg 0 1ngliga f 0 2r f 0 2rs 0 1ljning * 247 245 170 137 134 115 Finansiella tillg 0 2ngar som innehas till f 0 2rfall * 2 266 1 798 2 051 Investeringar i intressef 0 2retag 1 361 1 257 1 122 Materiella och immateriella tillg 0 2ngar 26 177 24 697 23 076 0 0vriga tillg 0 2ngar 50 335 58 126 45 955 Summa tillg 0 2ngar 2 304 149 2 344 462 2 187 708 Skulder till kreditinstitut 397 601 421 348 413 283 In- och uppl 0 2ning fr 0 2n allm 0 1nheten 757 904 750 481 715 037 Skulder till f 0 2rs 0 1kringstagare 211 938 225 916 218 958 Emitterade v 0 1rdepapper 506 564 510 564 454 651 Finansiella skulder till verkligt v 0 1rde 229 285 216 390 198 920 0 0vriga skulder 83 129 97 519 75 717 Avs 0 1ttningar 1 265 1 536 1 747 Efterst 0 1llda skulder 41 664 43 989 39 094 Totalt eget kapital 74 799 76 719 70 301 Summa skulder och eget kapital 2 304 149 2 344 462 2 187 708 * Varav obliagtioner och andra r 0 1nteb 0 1rande v 0 1rdepapper inklusive derivat. 609 027 608 016 587 472 Poster inom linjen C SEB-koncernen 30 juni 31 december 30 juni Mkr 2008 2007 2007 F 0 2r egna skulder st 0 1llda s 0 1kerheter 334 870 308 342 302 354 0 0vriga st 0 1llda s 0 1kerheter 205 683 207 363 207 552 Ansvarsf 0 2rbindelser 72 007 66 984 67 325 0 3taganden 445 642 394 128 376 202 pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMMU NU
1 3F 0 2r 0 1ndringar i eget kapital C SEB-koncernen Mkr Reserv f 0 2r Minoritetsin kassafl 0 2des tressen s 0 1kringar Reserv f 0 2r finansiella tillg 0 2ngar som kan s 0 1ljas Aktiekapital Bundna reserver Balanserad vinst Summa Jan-jun 2008 Ing 0 2ende balans 191 160-438 6 872 29 757 40 177 76 719 Marknadsv 0 1rdef 0 2r 0 1ndringar -603-1 701-2 304 Realiserat via resultatr 0 1kningen 115 115 Omr 0 1kningsdifferens -204-204 Nettoresultat redovisat direkt i eget kapital -603-1 586-204 -2 393 Nettoresultat 4 4 653 4 657 Totalt redovisat resultat 4-603 -1 586-204 4 653 2 264 Utdelning till aktie 0 1garna - 4 466-4 466 Utdelning eget innehav 15 15 Neutralisering av resultateffekt av personaloptionsprogrammen* 105 105 Eliminering av 0 2terk 0 2p av egna aktier f 0 2r personaloptionsprogrammen** 181 181 0 0vriga f 0 2r 0 1ndringar -15 958-962 - 19 Utg 0 2ende balans 180-443 - 2 024 6 872 30 511 39 703 74 799 Jan-dec 2007 Ing 0 2ende balans 130 380 392 6 872 30 203 29 290 67 267 Marknadsv 0 1rdef 0 2r 0 1ndringar -206-614 - 820 Realiserat via resultatr 0 1kningen -14-216 - 230 Omr 0 1kningsdifferens 98 98 Nettoresultat redovisat direkt i eget kapital -220-830 98-952 Nettoresultat 24 13 618 13 642 Totalt redovisat resultat 24-220 -830 98 13 618 12 690 Utdelning till aktie 0 1garna - 4 123-4 123 Utdelning eget innehav 44 44 Neutralisering av resultateffekt av personaloptionsprogrammen* - 428-428 Eliminering av 0 2terk 0 2p av egna aktier f 0 2r personaloptionsprogrammen** 897 897 0 0vriga f 0 2r 0 1ndringar 37-544 879 372 Utg 0 2ende balans 191 160-438 6 872 29 757 40 177 76 719 Jan-jun 2007 Ing 0 2ende balans 130 380 392 6 872 30 203 29 290 67 267 Marknadsv 0 1rdef 0 2r 0 1ndringar -120-83 - 203 Realiserat via resultatr 0 1kningen 13 13 Omr 0 1kningsdifferens 40 40 Nettoresultat redovisat direkt i eget kapital -120-70 40-150 Nettoresultat 12 6 772 6 784 Totalt redovisat resultat 12-120 -70 6 812 6 634 Utdelning till aktie 0 1garna - 4 123-4 123 Utdelning eget innehav 44 44 Neutralisering av resultateffekt av personaloptionsprogrammen* - 533-533 Eliminering av 0 2terk 0 2p av egna aktier f 0 2r personaloptionsprogrammen** 834 834 0 0vriga f 0 2r 0 1ndringar 6 909-737 178 Utg 0 2ende balans 148 260 322 6 872 31 112 31 587 70 301 * Inkluderar f 0 2r 0 1ndring i nominella belopp f 0 2r equityswappar som s 0 1krar personaloptionsprogrammen. ** Per 31 december 2007 0 1gde SEB 3,7 miljoner A-aktier f 0 2r personaloptionsprogrammet. Anskaffningskostnaden f 0 2r dessa 0 1r avdragen fr 0 2n det egna kapitalet. Under 2008 har 1,4 miljoner av dessa aktier s 0 2lts netto i samband med att personaloptioner l 0 2sts in. Per 30 juni 0 1gde SEB s 0 2ledes 2,3 miljoner A-aktier f 0 2r s 0 1kring av de l 0 2ngsiktiga incitamentsprogrammen till ett marknadsv 0 1rde av 257 Mkr. pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMMU NV
1 3Kassafl 0 2desanalys C SEB-koncernen Jan - jun Hel 0 2r Mkr 2008 2007 % 2007 Kassafl 0 2de fr 0 2n resultatr 0 1kningen 8 226 6 033 36 17 476 0 0kning (-)/minskning (+) i portf 0 2ljverksamhet -15 675-39 852-61 -32 503 0 0kning (+)/minskning (-) i emitterade kortfristiga v 0 1rdepapper -1 010 57 543-102 72 454 0 0kad (-)/minskad (+) utl 0 2ning till kreditinstitut 44 025-29 282-45 995 0 0kad (-)/minskad (+) utl 0 2ning till allm 0 1nheten -65 168-101 569-36 -116 298 0 0kning (+)/minskning (-) i skulder till kreditinstitut -15 246 47 303-132 52 274 0 0kad (+)/minskad (-) in- och uppl 0 2ning fr 0 2n allm 0 1nheten -3 747 73 279-105 104 715 0 0kning (-)/minskning (+) i investeringsavtal netto i f 0 2rs 0 1kringsr 0 2relse - 73 15 312-100 22 302 F 0 2r 0 1ndringar i 0 2vriga balansposter -12 683 3 114 10 348 Kassafl 0 2de fr 0 2n den l 0 2pande verksamheten -61 351 31 881 84 773 Kassafl 0 2de fr 0 2n investeringsverksamheten 1) -2 932-869 -2 350 Kassafl 0 2de fr 0 2n finansieringsverksamheten -6 996-146 38 397 Periodens kassafl 0 2de -71 279 30 866 120 820 Kassa och likvida medel vid 0 2rets b 0 2rjan 194 985 73 751 164 73 751 Kursdifferens i likvida medel -2 006 217 414 Periodens kassafl 0 2de -71 279 30 866 120 820 Kassa och likvida medel vid periodens slut 2) 121 700 104 834 16 194 985 1) Inklusive investeringar i dotterbolag F 0 2rv 0 1rvspris - 708-759 Likvida medel i f 0 2rv 0 1rvade bolag 102 Nettoutfl 0 2de - 708-657 2) Likvida medel vid periodens slut definieras som Kassa och tillgodohavanden hos centralbanker och Utl 0 2ning till kreditinstitut - betalbara p 0 2 anfordran. pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ J 0 2 OMMU OM