1 3Finansinspektionens Diarienummer 09-10230 Datum: 23 oktober 2009 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 2009.(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 2009. Detta till 0 1ggsprospekt uppr 0 1ttas i samband med att Skandinaviska Enskilda Banken AB (publ) publicerat sitt r 0 2relseresultat f 0 2r tredje kvartalet 2009. 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 Del 0 2rsrapport jan C sept 2009 STOCKHOLM 21 OKTOBER 2009 F 0 2rsta nio m 0 2naderna 2009 C r 0 2relseresultat 2,8 miljarder kronor (8,4) Resultatet f 0 2re reserveringar f 0 2r kreditf 0 2rluster uppgick till 12 068 Mkr (9 967), en 0 2kning med 21 procent. Justerat f 0 2r goodwillnedskrivningar och kapitalvinster steg resultatet f 0 2re f 0 2rluster med 38 procent. R 0 2relseresultatet uppgick till 2 808 Mkr (8 443) och nettoresultatet till 894 Mkr (6 543). Int 0 1kterna 0 2kade med 21 procent. R 0 1ntenettot steg med 20 procent och provisionsnettot minskade med 8 procent. 0 0vriga int 0 1kter inneh 0 2ll en kapitalvinst p 0 2 1,3 miljarder kronor. Kostnaderna 0 2kade med 5 procent, exklusive goodwillnedskrivningar p 0 2 3 miljarder kronor. Reserveringarna f 0 2r kreditf 0 2rluster uppgick till 9 288 Mkr (1 528) och kreditf 0 2rlustniv 0 2n till 0,91 procent (0,19). R 0 1ntabiliteten var 1,2 procent (11,6) och vinsten per aktie 0:57 kronor (6:75). K 0 1rnprim 0 1rkapitalrelationen var 11,8 procent och prim 0 1rkapitalrelationen 13,5 procent. Tredje kvartalet 2009 C r 0 2relseresultat 0,4 miljarder kronor (2,5) Resultatet f 0 2re reserveringar f 0 2r kreditf 0 2rluster uppgick till 3 720 Mkr (3 242). R 0 2relseresultatet var 388 Mkr (2 526) och nettoresultatet 37 Mkr (1 886). Int 0 1kterna 0 2kade med 6 procent j 0 1mf 0 2rt med motsvarande kvartal i fjol, men minskade med 26 procent fr 0 2n f 0 2reg 0 2ende kvartal. Kostnaderna var marginellt h 0 2gre 0 1n under motsvarande kvartal i fjol och 9 procent l 0 1gre 0 1n under f 0 2reg 0 2ende kvartal, justerat f 0 2r goodwillnedskrivningar. Vi har ytterligare st 0 1rkt v 0 2r finansiella position. I kombination med begynnande tecken p 0 2 ekonomisk stabilitet och b 0 1ttre fungerande finansmarknader har SEB beslutat att inte ans 0 2ka om f 0 2rl 0 1ngt deltagande i det statliga garantiprogrammet. SEB har inte utnyttjat programmet. Vi ser en fortsatt stabilitet i Norden och en l 0 2ngsammare tillv 0 1xttakt f 0 2r os 0 1kra fordringar i de baltiska l 0 1nderna. Annika Falkengren Totala int 0 1kter Miljarder kronor Resultat f 0 2re kreditf 0 2rluster Miljarder kronor R 0 1ntabilitet Procent Prim 0 1rkapitalrelation* Procent 9.2 12.7 11.4 13.2 9.7 17.6 9.9 10.1 12.0 13.1 13.5 5.7 10.0 3.2 4.2 4.2 3.7 4.9 Kv3-08 Kv4-08 Kv1-09 Kv2-09 Kv3-09 Kv3-08 Kv4-08 Kv1-09 Kv2-09 Kv3-09 -0.8 Kv3-08 Kv4-08 Kv1-09 Kv2-09 Kv3-09 * Basel II utan 0 2verg 0 2ngsregler Kv3-08 Kv4-08 Kv1-09 Kv2-09 Kv3-09 N 0.1
1 3VD har ordet a 0 7 0 3 0 6 6 4 6 4 0 5 0 7 0 5~ 0 2 0 5 0 7 0 2 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1~ 0 9 0 5 0 7 0 2 0 2 г ~ 0 5 0 7I 0 7 0 2 0 9 0 5 0 5 0 4 0 0 0 5 0 7 0 5 0 7 0 0 0 7 ~ 0 5 0 3 0 9 0 4 0 5 0 7 0 2 0 1 0 0 0 5~ 0 2 0 3 i 0 7 0 5 0 0~ 0 2_ 0 4 0 5 0 7 0 5 0 0 0 3 0 9 0 4 0 0 0 9 0 1 0 1Kr 0 2 0 5 0 7 0 5 0 7 0 4 0 1 0 6 0 0 6 4 0 2~ 0 5 0 7 0 5 0 4 0 0 0 5 г 0 1 0 5 0 7I 0 2 0 4 ~ 0 5 0 7 0 5 0 6 0 3 0 1 0 5 0 7 0 2 0 0 0 7 0 5 0 9 ~ 0 5 0 0 г 0 9~ 0 2 0 5 0 7 0 9 0 7 0 5 0 5 0 7~ 0 5~ I 0 7 0 9 0 7 0 0 0 6 0 4 0 1~ 0 1 0 7 6 4 0 9~ ~ 0 1 0 0~ 0 9 0 2~ 0 5 0 7 0 2~ 0 4 0 3 0 5 0 7 0 2~ 0 9 0 2 0 5 6 4 0 1 0 9 0 6 0 5 0 7 0 0~ 0 9 0 2~ 0 5 0 7 0 2K j 0 7 0 5 0 5 0 7 0 2 6 4 0 7 0 5 0 3 0 0 0 2 0 2 0 0 0 6 0 5~ 0 5 0 7 6 4 0 5 6 4 0 6 0 3 0 1~ 0 9 0 7J 0 5 0 4 0 0 0 4 0 2 0 1 0 0~ 0 4 0 2 0 5 0 0~ 0 9 0 2~ 0 5 0 7 0 2~ 0 4 0 3 0 5 0 0 0 7 0 5 0 9 0 7 0 5 0 5 0 7~ 0 5~ 0 5 0 4 0 0 0 3 0 1 0 1 0 2~ 0 9 0 5 6 4 0 2 0 6 6 4 0 7 0 5 0 4 0 0 0 5 г 0 7i 0 7 0 5 0 0~ 0 2 0 5_ 0 4 0 5 0 7 0 5 0 9 0 4 0 2 0 9 0 5I 0 2 г ~ 0 6 0 2 0 3 0 0~ 0 4 0 5 0 5 0 5 0 1 0 7 ~ 0 6 0 5 0 7 0 2 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1~ 0 9 0 5 0 7 0 2 0 5~ 0 9 ~ 0 5~ 0 5Kq 0 1 0 1 0 6 0 3 0 9 0 7 0 2 0 5 0 7 0 2 0 0 0 1 0 4 0 2~ 0 1~ 0 7~ 0 1~ 0 7 0 9 0 4 0 2 0 4 0 0 0 2 0 3 0 5 0 4 0 5~ 0 5 г 0 5 0 9 0 0 0 4 0 3 0 5 6 4 0 7 0 5 0 3 0 0 0 2 0 2 0 0 0 7 0 2 0 9 0 4 0 0 0 0 0 7 0 2 0 7~ 0 5 0 9 0 7 ~ 0 2 0 6 0 5 0 5~ 0 2~ 0 9 0 5 0 1~ 0 0Ks 0 3 0 1 0 5 0 5 0 7 0 9 0 4 0 2 0 4 0 0 0 2 0 3 0 5 0 4 0 5~ ~ 0 2 0 5 0 7 0 2 0 7 0 4 0 7 0 2 0 5 0 7~ 0 6 0 2 6 4 0 5 0 7 0 3 0 7 0 2 ~ 0 1 0 2~ 0 2 0 9 0 7 0 5 0 1 0 9 0 6 0 5 0 7 0 5 6 4 0 0 0 3 0 5 0 7 0 4 0 3 0 5 0 7 0 0 0 7 0 2 0 0~ 0 5 0 5 0 0 0 1~ 0 2 0 5 ~ 0 9 0 7 K Diversifiering en f 0 2rdel i ett s 0 1songsbetonat kvartal a 6 4~ 0 9 0 6 0 7 0 7 0 2 0 2 0 5 0 7 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 5 0 9 0 5 0 7 0 3 0 1 0 3 0 0 0 7 6 4 0 0 0 2 0 5~ 0 6 0 5 0 4 0 0 0 0~ 0 0 6 4 0 2~ 0 5 0 7 0 2~I 0 3 pb_w 0 5 0 7 0 5 0 1 ~ 0 7 0 5 0 1 0 0 0 2 0 7 0 6 0 5 6 4 0 5 6 4 0 6 0 3 0 1 0 6 6 4 0 5 ~ 0 9~ 0 4 0 5 0 4 0 2 0 4 0 3 0 5 0 5 0 6 0 7 0 5 0 5 0 7 ~ 0 5 0 7 0 2 0 3 0 2 0 2 0 0 0 5 0 4 0 0 0 2 0 7 0 5 0 5 0 7 0 2 0 6 6 4 ~ 0 5 0 5 0 3 Kpb_W 0 5 0 5 0 3 0 1 0 1 0 2 0 2 0 0 0 2 0 1~ 0 2 0 5 0 5 0 4 ~ 0 5 г 0 7 ~ 0 0 0 4 0 3 0 5 0 2 0 5 0 4 0 2 0 7 k 0 4 0 5 0 7 0 2 0 3 0 2 0 3 0 0~ 0 5 0 2 0 9 0 4 0 3 0 5 0 2 0 7 0 9 0 3 0 5 ~ 0 5 0 7 0 5 0 5 0 7 0 2~ 0 5 ~ 0 6m 0 4 0 5 0 7 ~I 0 5 0 4 0 0 ~ 0 2 0 9~ 0 5 0 7 0 4 0 5 0 5 0 2 0 0 0 0 0 7 0 7 0 2 0 4 0 0 0 3 0 4 0 4 ~ 0 7 0 5 0 2~ 0 2 0 3 0 7 0 6~ 0 4 0 3 0 5 0 7 ~ 0 6 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~K h 0 2 0 5~ 0 9 0 6 0 7 0 7 0 2 0 2 0 4 0 0p 0 4 ~c г 0 7 ~ 0 0Cf 0 2 0 5 0 4 0 2 0 7 0 6~ 0 5 0 4 0 5~ 0 5 г 0 0Ki 0 6 0 4 0 3 0 5m 0 6~ 0 7_~ 0 2 0 9 0 2 0 0 0 6 0 5~ 0 5 0 7 0 0 0 4 0 5~ 0 7 0 5 0 1 ~ K p~ 0 0 0 5 0 0 0 6 0 5 0 4 0 0 0 6 6 4 0 0 0 3 0 5 0 7 0 5 г ~ 0 7 0 1 0 0~ 0 7 0 5 0 3 0 9~ 0 6 6 4 0 2~ 0 1~ 0 2 0 5 0 3 0 9 0 2 0 2 0 0 0 0 0 7 0 2 0 4 0 0~ 0 5 г 0 1 0 3 0 2 0 0~ 0 6 6 4 0 1 6 4 0 2 0 2 0 0K o г 0 7 0 1 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 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 5 0 7 0 1 0 1PTOMj 0 9 INN 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 0 9 0 6~ ~ 0 1Kb 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~ 0 4 0 3 0 5 0 9~ ~ 0 1 0 6 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 5 г 0 5 0 7 0 5 г 0 5 ~ 0 2 0 4 0 0 6 4 0 2~ 0 5 0 7 0 2~ 0 0 0 7 0 5PU 0 4 0 3 0 7 0 2 0 1 0 1NPTRSj 0 9 K En stark balansr 0 1kning till f 0 2ljd av fortsatta 0 2tg 0 1rder d 0 7 0 2 0 4 0 0 0 5 0 4 0 5~ ~ 6 4 0 0 0 3 0 5 0 7 0 5 г ~ 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 2 0 2 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 5~ 0 6 0 2 0 7 ~ 0 2 0 1 0 7 ~ 0 7 0 2 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1 0 5 ~ 0 9 0 4 0 5 0 4 0 2Kh 0 3 0 2 0 0 0 3 0 9~ ~ 0 1 0 7 0 1~ 0 4 0 2 0 7 0 2 0 6~ NNIU 0 4 0 3 0 7 0 2 0 4 0 3 0 5 0 0 0 3 0 9~ ~ 0 1 0 7 0 1~ 0 4 0 2 0 7 0 2NPIR 0 4 0 3 0 7 0 2 Kk 0 3 0 5 ~ 6 4 0 3 0 7 0 5~ 0 2 0 5 0 2~ 0 2 0 5 0 7 ~ 0 5 0 7 0 5~ 0 2 0 6 0 2 0 5 0 7 6 4 0 7 ~ 0 0 0 1 6 4 0 2 0 0 0 5 0 5 0 0 0 5 0 2~ 0 2 0 5 0 7 0 2 0 0 6 4NPM 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 Ka 0 7 0 5~ 0 5 0 1 0 1 0 5 0 0 0 7 0 5 0 5 г 0 7 0 2 0 0 0 7 0 9 0 4 0 5 0 2~ 0 5 6 4SMMj 0 9 ENMMj 0 9 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 4 0 3 0 5RMMj 0 9 0 7 0 5 0 7FK s 6 4 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1~ 0 5 0 9~I 0 9 0 4 0 0 0 2 0 2~ 0 4 0 2 0 0 0 7 0 5 0 2 0 7 0 0 0 2 0 2~ 0 2 0 5 0 7 0 7 0 3 0 9 0 7 0 2 6 4 0 7 0 9 0 4 0 2 0 4 0 0 0 5 0 9 6 4 0 7 0 5 0 3 0 0 0 2 0 2 0 0 0 4 0 3 0 5 0 2 0 3 0 7 0 5 0 2 0 0 0 7 ~ 0 2 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 I 0 3 0 5 0 9 0 3 0 1 0 7 0 1 0 1 0 6 6 4 0 2 0 7 0 5 0 1 ~ 0 2 0 7 0 5 г 0 1 0 3 0 2 0 0~ 0 5 0 7 0 1 ~ 0 0~ 0 2 0 5 0 7 0 5 0 7 0 5 ~ 0 1 0 0~ 0 0~ ~ 0 2 0 4 0 0 ~ 0 0 0 0 0 7 Kpb_ 0 5~ 0 2 0 7 0 2 ~ 0 4 0 0 ~ 0 0 0 0 0 7 K Tecken p 0 2 stabilisering i Baltikum a 0 7 0 2 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 5 0 7 0 2~ 0 1 0 5 0 9~ 0 1 0 3 0 2 0 5 0 7 0 2~ 0 3 0 5 0 4 0 5~ 0 0~ 0 2~ 0 2 0 5 0 7 0 3 0 6 0 7 0 2 0 4 0 0 0 6 0 2 г ~ 0 5 0 9 г 0 2 ~ 0 5 0 7 0 5 г 0 5 ~ 0 7 0 3 0 9 0 2 0 7 0 2 6 4 0 5 ~ 0 2 0 1 0 5 0 7 0 2 0 0Ka 0 7 0 2 0 1 0 3 0 0 0 7 0 1 0 1 0 6 0 3 0 9 ~ 0 9 0 7 0 2 0 2 ~ 0 4 0 7 0 0 0 1 0 7 ~ 0 5 0 7 0 1 6 4 0 2 0 7 0 5 0 4 0 5 0 2 0 0~ 0 5 0 4 0 0 0 6 0 0 0 3 0 9 0 5~ 0 0 0 0~ 0 5 0 7 0 5 г ~ 0 9 0 6~ ~ 0 1 0 7 0 9~ 0 2 0 2 0 2 0 7 0 9 0 3 0 5 ~ 0 5 0 7 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 0 0 7 0 5 0 7 0 2 0 5~ 0 5 R 0 4 0 3 0 7 0 2 0 2 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 Kh 0 7 0 5 0 5 г 0 1 0 5 0 2 0 6 6 4 0 2 0 2 0 7 0 4 0 0 0 3 0 9 0 1 0 1S 0 4 0 3 0 7 0 2 I 0 4 0 5 г 0 3 0 2 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 0 9 0 6~ ~ 0 1Ks 0 5 0 7 0 7 0 2 0 7 0 0 0 2 0 2~ 0 2 0 5 0 7 0 7 0 2 0 5 0 5 0 9 0 5 0 7 0 4 0 3 0 5 0 0 0 7 0 5~ 0 5 0 7 0 5 0 7 0 3 0 5 0 9~ 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 0 2~ 0 2 г 0 6 0 7 0 5 0 0 0 7 0 5 0 7 0 0 0 6 0 5~K l 0 3 0 9 0 5 6 4 0 6 6 4 ~ 0 0 0 7 0 2 0 4 0 0 0 0 6 4 0 2 0 0~ ~ 0 6 0 9 0 7 0 5 0 4 0 5 г 0 1 0 7 0 2 0 4 0 3 0 5 0 7 0 2 ~ 0 6 ~ 0 0~ 0 2 0 5 0 7 0 1 0 1 0 6 0 3 0 9 0 2 ~ 0 5 г 0 0 0 5 0 9 0 6 0 4 0 1 0 0 0 7 0 7 0 9~ 6 4 0 7 0 7 0 2 0 5 0 5 0 9 0 5 0 7Ko 0 7 0 5 0 7 0 6 0 7 0 2 0 0 0 5 0 0 ~ 0 5 0 7 0 2 0 5 г _~ 0 1 0 9 0 0 0 6~ ~ 0 1 0 1 0 3 0 0 SV 0 4 0 3 0 7 0 2 K h 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 2 0 5 г 0 5 0 5 0 7 0 4 ~ 0 6~ 0 5 0 4 0 5~ 0 5 ~ 0 2 0 1 0 0 0 7 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~ 0 2 0 5 0 7 0 5 0 0~ 0 2 0 5 0 7MIPM 0 4 0 3 0 7 0 2 ~ 0 6 0 1 6 4 0 2 0 2 0 0 0 7 0 2K Nya regleringar, nya utmaningar b 0 2 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1 0 1~ 0 2 0 5 0 5 0 9~ 0 5 6 4 0 1 0 1 0 7 6 4~ ~ 0 5 0 4 0 0K p ~ 0 5 0 3 0 5 0 7 0 5 0 7 0 2~ 0 5 6 4 0 2dOMJ 0 1 0 3 0 2 0 5 0 7 0 2~ 0 5~ 0 3 0 5 0 5~ 0 5 0 4 0 3 0 5 0 5 ~ 0 0 0 9 0 1 0 2 0 7 0 2~ 0 5 г 0 7 0 2 0 0 0 7 0 0 0 7 0 2 0 5~ 0 0 0 6 0 3 0 0 0 5 ~ 0 0 6 4 Ka 0 7 0 5 0 4 0 0 0 0 6 4 0 1~ 0 5 0 3 0 7 0 2 ~ 0 5 0 5 г 0 3 0 2 0 5 0 2 0 0~ 0 5 г 0 5 0 7 0 2 0 0 0 1 0 4 0 2~ 0 1~ 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1~ 0 5 0 7 0 9 0 4 0 2J 0 5 г 0 0 0 7 0 9~ ~ 0 1 0 3 0 3 0 9 0 2 0 2 0 0I г 0 9~ 0 5 ~ 0 2 0 5 ~ 0 7 0 2 0 5 0 5~ 0 0 0 1 0 9 0 6 0 5 0 7 0 5J 0 4 0 3 0 5 0 9~ ~ 0 1 0 2 0 5 0 5 0 7 ~ г 0 6 0 7 0 3 0 9 0 7 0 1 0 2K g~ 0 0 0 5 0 7 0 5 0 4 ~ 0 5 г 0 5 0 7 0 1~ 0 0 0 7 0 5 0 7 0 0 0 7 0 4 0 2 0 5 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1 0 5 0 5 0 7 0 0 0 5 0 4 0 0 0 0 0 2 0 5 0 4 0 3 0 5 0 2 0 4 0 7 0 2 0 5 г 0 1 0 7 0 2 0 3 0 7 0 2~ 0 5 г 0 5 0 2 0 2~ 0 2 0 9 0 0~ 0 2 0 2~ 0 5 0 9~ Kp~ 0 0 0 5 0 0 0 2 0 2 0 7 0 2 0 3 ~ 0 5 0 6~ 0 2~ 0 2 0 9 0 5 0 0~ ~ 0 4 0 3 0 5 0 5~ 0 2 0 7 ~ 0 9~ 0 1 0 9 0 1 0 7 ~ 0 5 0 7 0 5 0 9 0 7 K^ 0 5~ 0 7 0 5 0 5 0 7 0 9 0 6~I 0 5 0 9 0 2~ 0 5 0 7 ~ 0 5 0 7 ~ 0 0 0 6 0 7 0 9 0 0 0 7 0 5 0 5 0 2 0 5~ 0 2 0 3 0 7 0 3 0 5 0 1 0 3 0 2 0 5~ 0 2 0 6 0 9 0 0~ 0 7 0 3 0 2~ 0 5~ 0 5 0 1 0 7 0 7 0 0 0 1 0 7 0 2 0 0~ K pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ 0 7 0 5 0 7 0 7 0 0 0 2 0 7 OMMV O
1 3Koncernen Tredje 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 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 0 0 3 0 9 0 1 0 1PTOMj 0 9 EPOQOFI 0 7 0 2 г 0 9 0 2 0 2 0 0 0 0 0 7 0 5NR 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 1OMMUKf 0 3 0 0 0 5 г 0 7 0 1 0 5 0 7 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 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 5 г 0 1 0 5 0 7 0 0 0 7 0 5NN 0 4 0 3 0 7 0 2 I 0 5 0 7 0 1 0 6 0 5 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 5 0 3 0 5 0 4 0 2 0 0 0 5 0 7 0 5 0 5 0 7 0 9 0 7 Kq 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 3 0 2 0 4 0 0~ 0 1 0 5 0 7 0 5 0 6~ 0 0~ 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 2 0 5 0 7 6 4 0 7 K c г ~ 0 2 0 5 0 7 0 1 0 3 ~ 0 3 0 0 0 5 г 0 7 0 1 0 5 0 7 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 7 0 5 0 4 0 0 0 2 0 2 0 7 0 5 г 0 1 0 1 0 5 6 4 0 6 0 3 0 1 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 7 0 1~ 0 7 ~ 0 5 0 7 0 1 0 1 _~ 0 1 0 9 0 0 0 4 0 3 0 5o 0 5 0 5 0 1~ 0 2 0 5 0 5 0 4 0 0 0 7 0 2 0 9~ ~ 0 1 0 6 0 2 0 5 6 4 6 4 0 7 0 9 г ~ 0 6 0 5 г 0 1~ 0 0 0 5 0 1 6 4 0 2J 0 5~ 0 2 0 3 0 9 0 7 0 4 0 3 0 5 0 9 0 4 0 5 0 2~ 0 5 0 7 0 5 0 7 ~ 0 5 0 2 0 7 0 5~ 0 2 0 5 6 4 0 7 0 2 0 5 0 7 ~ 0 2 0 7 0 1 0 1K Operativ resultatr 0 1kning Kv3 Kv2 Kv3 Mkr 2009 2009 % 2008 % Int 0 1kter 9 735 11 874-18 9 212 6 Kostnader -6 015-6 618-9 -5 970 Resultat f 0 2re reserveringar 3 720 5 256-29 3 242 15 Netto materiella/immateriella tillg 0 2ngar 3 23-87 Kreditf 0 2rluster netto -3 335-3 567-7 - 716 Resultat f 0 2r p 0 2g 0 2ende verksamhet 388 1 712-77 2 526-85 Kapitalvinst p 0 2 f 0 2rlagsl 0 2n 1 300 Nedskrivning av goodwill -2 394 R 0 2relseresultat 388 618-37 2 526-85 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 1PUUj 0 9 EOROSFI 0 2 0 9 0 1 0 5 0 6 0 7 0 7 0 2 0 2 0 7 0 0~ 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 4SMj 0 9 Kk 0 7 0 4 0 7 0 5 0 1 ~ 0 7 0 7 0 5 0 7 0 5 0 9~ 0 0 0 3 0 9 0 1 0 1PTj 0 9 ENUUSFK Int 0 1kter f 0 2 0 3 0 9 0 7 0 2~ 0 0 0 3 0 9 0 1 0 1VTPRj 0 9 EVONOFKa 0 7 0 6~ 0 7 0 2 0 5 г 0 2 0 3 0 2 0 0 0 0 0 7 0 5S 0 4 0 3 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 5 0 4 0 1 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 4PNUj 0 9 Kf 0 3 0 0 0 5 г 0 7 0 1 0 5 0 7 0 0 0 7 0 5~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 OMMV 0 5 г 0 2 0 9 0 2 0 3 0 9 0 7 0 2~ 0 0 0 7 0 5 OS 0 4 0 3 0 7 0 2 I 0 2 0 9 0 1 0 5 0 6 0 7 0 7 0 2 0 2 0 7 0 0~ 0 6 0 6~ 0 1 ~ 0 7 0 5 0 5 0 7 0 9 6 4NSTj 0 9 K f 0 5 0 7 0 4 ~ 0 1~ 0 2 0 3 0 9 0 7 0 2~ 0 2 0 0 6 4 0 7 0 2 0 2 0 7 0 0~ 0 6 0 7 0 5 0 5 0 7 0 9 6 4SOMj 0 9 0 7 0 1~ 0 7 ~ 0 5 0 1 0 1 0 2 0 7 0 5 0 1 0 7 ~ 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 5 г 0 1 0 3 0 2 0 0 0 5 0 5 0 2~ 0 2 0 5 0 7 0 2 0 0 0 4 0 3 0 5 0 0 0 2 0 5 0 9~ 0 5 0 7 0 4 0 2 0 1 0 0~ 0 4 0 2 0 5 0 4 0 5 г 0 1 0 7 K o 0 3 0 2 0 7 0 2 0 7 0 4 0 6~ 0 0~ 0 0 0 2 0 7 0 1 0 1 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 1OMMU 0 4 0 3 0 5NS 0 4 0 3 0 7 0 2 0 5 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 1I 0 5 0 3 0 0 0 5 0 1 0 1 0 5 г 0 1 0 5~ 0 6QMMj 0 9 0 0 0 7 0 9 0 4 0 5 0 2~ 0 5 0 7 0 5 г 0 5 0 7 0 2 0 5 г 0 1 0 3 0 2 0 0 0 5~ 0 1 г 0 5 0 7 0 2 0 5 г 0 5 0 2~ 0 2 0 5 0 7 0 2 0 0 0 7 0 2 0 4 0 3 0 5PRMj 0 9 0 1 0 3 0 0 0 7 ~ 0 6 0 9~ 0 5 0 2 0 2 0 0 6 4 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 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 5NUPj 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 0 0 7 0 5PMRj 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 J 0 5 0 3 0 0 0 5 0 4 0 2 0 1 0 0~ 0 4 0 2 0 5 0 4 0 5 г 0 1 0 7 I г 0 6 0 0 0 5~ 0 2 0 5 0 7 0 1 0 4 0 3 0 5 0 7~ 0 5 0 7 г 0 9~ 0 5 0 7 0 0 0 7 0 5NQVj 0 9 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 1 0 5 0 4 0 1 0 4 0 3 0 5 0 0 0 2 0 5 0 9~ 0 5 0 7 0 0 0 7 0 5RQSj 0 9 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 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 3 0 0 0 5 г 0 0 0 7 0 5 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 5 0 4 0 1 0 4 0 3 0 5 0 0 0 7 0 5S 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 1Ka 0 7 0 6~ 0 7 0 2 0 7 0 5 0 5 0 7 0 9 ~ 0 6 0 1 0 3 0 0 0 7 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 0 5~ 0 2 0 5 0 7 0 1 0 2 0 4 0 3 0 5 0 5 0 3 0 7 0 2 0 7 0 0 0 5 0 5 0 4 0 2 0 7 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 5 0 4 0 0 0 0~ 0 5 0 1 0 7 0 2K k 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 г 0 9~ 0 5 0 7 0 1 0 1 VQS j 0 9 EOQTFI 0 5 0 7 0 1 0 6 0 5 0 1 0 1 0 5 г 0 1 0 5~ 0 6 г 0 9~ 0 5 0 7~ 0 9 0 6 0 7 0 7 0 2 0 4 0 0 0 6~ 0 1 ~J 0 4 0 3 0 5 0 3 0 2 0 7 0 5~ 0 2 0 5 0 7 0 1 0 2Ka 0 7 0 5 0 5 0 4 0 0 0 2 0 0 0 3 0 9 0 5 г 0 1 0 5 0 7 0 2 6 4 RQMj 0 9 0 5 г i 0 7 0 5 0 0~ 0 2 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 5 0 4 0 1K s 0 3 0 5 0 7 0 2 0 0 0 5 0 6 0 2 0 5 0 7 0 2 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 2 0 6~ OOj 0 9 ERRFK g 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 0 0 2 0 5 0 9~ 0 5 0 7 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 0 0 0 7 0 5PS 0 4 0 3 0 7 0 2 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 2 0 4 0 0~ 0 1~ 0 5 0 3 0 5 0 4 0 2 0 0 0 6~ ~ 0 4 0 2 0 7 0 4 0 3 0 5 0 1 0 3 0 0 0 7 0 6 0 4 0 1~ 0 1 0 7 K i 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 5 0 7 0 0 0 0 0 7 0 5TM 0 4 0 3 0 7 0 2 0 7 0 1 0 1 0 7 PRPj 0 9 0 3 0 0 0 5 г 0 0 0 7 0 5 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 OMMUK 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 0 5 ~ 0 0 0 5 г ~ 0 1 0 1 6 4 0 5 г 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 7 0 2 0 3 0 6 0 7 0 2 6 4 6 4 0 7 0 6 0 2 0 2 0 2 0 0~ 0 6 ~ 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 0~ ~ 0 2 0 7 K 0 5 0 6 0 0~ 0 2 0 3 0 9 0 7 0 2 0 7 0 4 0 6~ 0 2 0 7 0 0~ 0 6~ 0 2 0 5 0 7 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 6 4 0 0 0 2 0 5~ 0 6 0 7 0 2 0 9 0 4 0 5 0 2~ 0 5 6 4OOMj 0 9 0 5~ 0 0 0 2~ 0 2 0 5 0 0 0 7 0 5 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0~ 0 6 0 4 0 2 0 1 0 0~ 0 4 0 2 0 7 q 0 7~ 0 5 0 5 0 5 6 4 0 9~ 0 1 0 1~ 0 5 0 7^ 0 6~ 0 1~ 0 2 0 1 0 7J 0 5 0 4 Jp~ 0 1 0 7 0 5J 0 4 0 5 г 0 1 Kr 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 1 0 2 0 0 0 3 0 9 0 7 0 2 0 9~ ~ 0 1 0 6 0 2 0 5 6 4NIP 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 0 5 0 7 0 2 0 2~ 0 4 0 5 K Kostnader h 0 4 0 5 0 2~ 0 5 0 7 0 2~ 0 0 0 3 0 9 0 1 0 1SMNRj 0 9 ERVTMFI 0 7 0 2 г 0 9 0 2 0 2 0 0 0 0 0 7 0 5 N 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 7 0 2 0 0 0 2 0 5 0 9 0 2 0 2 0 0 0 0 0 7 0 5V 0 4 0 3 0 7 0 2 0 7 0 1~ 0 4 0 2 0 1 0 1 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 0 9 0 6~ ~ 0 1I 0 7 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 4OPVQj 0 9 0 2 0 5 0 7 0 5 0 7 0 2 0 7 0 4 0 5 0 7 0 2Kg 0 5 0 7 ~ 0 3 0 6 0 7 0 2 0 5 г 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 0 7 0 5 г 0 2 0 9 0 9 0 4 0 5 0 2~ 0 5 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 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 5 0 4 0 1 0 4 0 3 0 5 0 0 0 7 0 5U 0 4 0 3 0 7 0 2 0 7 0 1~ 0 4 0 2 0 1 0 1 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 0 9 0 6~ ~ 0 1K m 0 7 0 5 0 4 0 2~ 0 1 0 9 0 4 0 5 0 2~ 0 5 0 7 0 2~ 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 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 5NO 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^ 0 6 0 5 0 3 0 2 0 2 0 0~ 0 1 0 1 0 9 0 4 J 0 4 0 3 0 5 0 1 6 4 0 2 0 0 0 5 0 9 0 0~ 0 7 0 5 ~ 0 4 0 2 0 5 0 2~ 0 5 0 7 ~ 0 5 0 7 0 7 0 5 0 3 0 2 0 2 0 0~ 0 0 0 3 0 9 0 1 0 1PNTj 0 9 I 0 7 0 2 0 0 0 2 0 5 0 9 0 2 0 2 0 0 0 0 0 7 0 5RN 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 Reserveringar och kreditf 0 2rluster h 0 4 0 2 0 3 0 7 0 2 0 7 0 2 0 5 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 0 2 0 7 0 4 г 0 9~ 0 5 0 7 0 1 0 1PPPRj 0 9 ETNSFK h 0 7 0 5 0 5 г 0 1 0 5 0 2 0 6 6 4 0 2 0 5 0 7 0 0 0 1 0 1MIVU 0 4 0 3 0 7 0 2 EMIOTFK 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 6 0 5 0 7 0 7 0 2 0 5 0 7_~ 0 1 0 9 0 0 0 0 0 3 0 9 0 1 0 1OSQOj 0 9 EPSTFJTV 0 4 0 3 0 7 0 2 ~ 0 6 0 9 0 4 0 2 0 3 0 7 0 2 0 4 ~ 0 1 0 7 0 2 J 0 0 0 4 0 5 0 6~ ~ 0 5 0 7 0 7 0 2 0 9 0 7 0 5 0 5 г 0 1 0 5 0 2 0 6 6 4 0 2 0 7 0 4 6 4SIMM 0 4 0 3 0 7 0 2 I 0 4 0 5 г 0 3 0 2 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 0 9 0 6~ ~ 0 1K f 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~ г 0 9~ 0 5 0 7 0 0 0 7 0 5 NSTVj 0 9 0 7 0 1 0 1 0 7 NM 0 4 0 3 0 7 0 2 0 2 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 K 0 5 0 9 0 2 0 2 0 0 0 7 0 2 _~ 0 1 0 9 0 0 0 6~ OSNRj 0 9 0 7 0 1 0 1 0 7 PO 0 4 0 3 0 7 0 2 Kl 0 5 0 3 0 9 ~ 0 1 6 4 0 2 0 7 0 5 0 4 0 5 0 2 0 0~ q 0 5 0 9 0 1~ 0 2 0 5 0 4 0 3 0 5k 0 4 0 5 0 7 0 2 0 0 0 2 0 5 0 9~ 0 5 0 7KRORj 0 9 0 4 0 5 0 3 0 9 ~ 0 5 0 4 0 5 0 2 0 0~ r 0 9 ~ 0 2~ 0 5 0 1 ~ 0 5 0 7 0 5 0 1 0 1 0 4 0 7 0 0 0 1 0 7 ~ 0 5 0 7 0 0 0 6 0 5 0 6 0 3 0 5 0 7 ~ 0 5 0 7 0 1 6 4 0 2E 0 5 0 4 0 0 0 4 0 0 0 7 0 2~ 0 0 0 7 FK h 0 4 0 2 0 3 0 7 0 2 0 7 0 2 0 5 0 4 0 7 0 0 0 1 0 7 ~ 0 5 0 7 0 0 0 6 0 5 0 6 0 3 0 5 0 7 ~ 0 5 0 7 0 1 6 4 0 2E 0 5 0 4 0 0 0 4 0 0 0 7 0 2~ 0 0 0 7 F г 0 9~ 0 5 0 7 0 0 0 7 0 5RQSj 0 9 0 7 0 1 0 1 0 7 V 0 4 0 3 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5 0 5 0 7 0 2PM 0 2 OMMVKf_~ 0 1 0 9 0 0 0 6~ г 0 9 0 2 0 2 0 0 0 7 0 2 0 2 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 NRj 0 9 K 0 5 0 9 0 2 0 2 0 0 0 7 0 2 ~ 0 2 0 5 г _~ 0 1 0 9 0 0 0 5 0 3 0 2 0 5 г 0 5 0 7 0 5 0 0 0 5 0 6 0 5 0 5~ 0 9 0 1 0 0 0 7 0 2 0 1 0 1r 0 9 ~ 0 2~ 0 5~ 0 0 0 9 0 4 0 2 0 5 0 0 0 7 0 2 0 9 0 7 0 5 0 7 k 0 4 0 0 0 7K pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ 0 7 0 5 0 7 0 7 0 0 0 2 0 7 OMMV P
1 3Niom 0 2nadersresultat 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 7 0 7 0 5 г 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 2OMMV 0 0 0 3 0 9 0 1 0 1NOMSUj 0 9 EVVSTFI 0 7 0 2 г 0 9 0 2 0 2 0 0 0 0 0 7 0 5ON 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 5 OMMUK b 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~ 0 4 0 3 0 5 0 9~ ~ 0 1 0 6 0 2 0 5 0 7 0 2 0 5 6 4 0 2 6 4 0 7 0 9 г 0 7 ~ 0 6pb_W 0 5 0 5 г 0 1~ 0 0 0 5 0 1 6 4 0 2 0 2 0 5 0 7 0 5 г 0 5 ~ 0 5~ 0 1 0 6 6 4 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 5PU 0 4 0 3 0 7 0 2 0 1 0 1 NPTRSj 0 9 K Operativ resultatr 0 1kning Jan - sept SEK m 2009 2008 % Int 0 1kter 33 039 28 409 16 Kostnader -19 283-18 442 5 Resultat f 0 2re reserveringar 13 756 9 967 38 Resultat fr 0 2n materiella och immateriella tillg 0 2ngar 28 4 Kreditf 0 2rluster netto -9 288-1 528 Resultat f 0 2r p 0 2g 0 2ende verksamhet 4 496 8 443-47 Kapitalvinst p 0 2 f 0 2rlagsl 0 2n 1 300 Nedskrivning av goodwill -2 988 R 0 2relseresultat 2 808 8 443-67 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 1OUMUj 0 9 EUQQPFI 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~ JOSMj 0 9 Kk 0 7 0 4 0 7 0 5 0 1 ~ 0 7 0 5 г 0 2 0 9 0 1 0 1UVQj 0 9 ESRQPFK 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 5ON 0 4 0 3 0 7 0 2 0 1 0 1PQPPVj 0 9 EOUQMVFK b 0 9 0 9 0 1 0 5 0 6 0 7 0 9~ ~ 0 1 0 6 0 2 0 5 0 7 0 2 6 4NIP 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 0 2 0 5 0 7 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 г 0 9~ 0 5 0 7 0 2 0 3 0 9 0 7 0 2~ 0 0 0 7 0 5NS 0 4 0 3 0 7 0 2 Kl 0 0 0 0~ 0 2 0 3 0 6 0 7 0 2 0 5 0 7 ~ 0 5 г 0 5 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 0 7 0 2 6 4 NSMNj 0 9 0 5 0 7 0 0 0 2 0 3 0 9 0 7 0 2~ 0 0 0 7 0 5NN 0 4 0 3 0 7 0 2 K 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 5ORVSj 0 9 0 7 0 1 0 1 0 7 OM 0 4 0 3 0 7 0 2 0 1 0 1NRTVPj 0 9 ENPNVTFKa 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 5UROj 0 9 0 7 0 1 0 1 0 7 T 0 4 0 3 0 7 0 2 0 2 0 7 0 4 0 7 0 2 0 5 0 7 6 4 г 0 9~ 0 5 0 7 0 6 0 4 0 1 0 0 0 7 I 0 5 0 4 0 0 0 2 0 7 0 4 0 2 0 5 0 4 0 0 0 0 0 7 0 5NNMRj 0 9 X 0 2 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 6IORPj 0 9 Ka 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 5V 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~ NP 0 4 0 3 0 7 0 2 0 5 г 0 0 0 7 0 3 0 2 0 6 0 5 0 0 6 4 0 2 0 0 0 7 0 2~ 0 6 0 5 0 7 0 7 0 0 0 2 0 7 OMMUK r 0 2 0 5 0 7 OMMV 0 5~ 0 5 0 7 0 9 0 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0 9 Ka 0 7 0 5 0 5 0 4 0 0 0 5~ 0 2 0 7 0 5 0 1 0 7 ~ 0 0 ~ 0 5 0 6 0 5 г 0 9~ 0 1 г 0 5 0 7 0 2~ 0 5 г 0 5 0 2~ 0 2 0 5 0 7 0 2 0 0 0 7 0 2 0 1 0 1 г 0 6 0 7 0 5 0 7 0 0 0 4 0 2 0 0 6 4 0 2~ 0 5 0 7 0 1 0 7 0 1 0 1 0 7 0 2 0 7 0 5 0 3 0 7 0 2 0 0~ 0 6 0 3 0 2 0 7 0 2 0 7 0 4 0 0 0 7 0 5RMMj 0 9 K o 0 3 0 2 0 7 0 2 0 7 0 4 0 2 0 2 0 7 0 5 6 4 0 1 0 1 0 7 0 4 0 3 0 9 0 5 6 4 0 9 0 4 0 5 0 2~ 0 5 0 7 6 4OORj 0 9 0 5 г ~ 0 6 0 0 0 5 0 7 0 2 0 5 г 0 5 0 7 0 2 0 5 0 6 0 7 0 2 0 5 0 9~ 0 5 ~ 0 2 0 1 0 7 0 5 0 5 0 4 0 2 0 5 0 7 0 2 0 4 0 3 0 5UOj 0 9 0 5 г 0 5 0 7 0 2 0 5 0 6 0 7 0 2 0 5 0 9~ 0 2 0 5 0 3 0 2 0 2 0 0 0 5 0 0~ ~ 0 2 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 5U 0 4 0 3 0 7 0 2 0 1 0 1NMRUPj 0 9 ENNQSQFKa 0 7 0 2 0 7 0 4 0 5 0 5 0 7 6 4~ 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 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 9 0 5 0 4 0 0 0 5 6 4 0 2 0 5 г 0 7 ~ 0 0 0 5 6 4 0 5 0 0 0 6 0 2 0 2 0 0 0 6~ 0 1 0 3 0 0 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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~ 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 5 г 0 9 0 4 0 2 0 3 0 7 0 2 0 7 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 0 0 5~ 0 0 0 5 г 0 0 0 4 0 5 0 7 0 2 0 4 0 1~ 0 0 0 7 0 5 0 5 0 7 0 1 0 7 0 2 0 1 0 0 0 5 0 7 0 0 0 7 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 0 p 0 4 0 3 0 9 0 5 0 4 0 1 0 0 0 5 0 7 0 2ON 0 4 0 9 0 4 0 2 0 7 OMMV 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 ~ 0 7 0 5 0 7 0 7 0 0 0 2 0 7 OMMV U
1 3SEB-koncernen Resultatr 0 1kning C SEB-koncernen Aggregerad Kv3 Kv2 Kv3 Jan - sep Hel 0 2r Mkr 2009 2009 % 2008 % 2009 2008 % 2008 R 0 1ntenetto 4 519 5 370-16 4 553-1 15 793 13 197 20 18 710 Provisionsnetto 3 566 3 802-6 3 754-5 10 583 11 464-8 15 254 Nettoresultat av finansiella transaktioner 946 1 471-36 247 3 550 1 247 185 2 970 Livf 0 2rs 0 1kringsint 0 1kter netto 857 946-9 504 70 2 665 1 859 43 2 375 0 0vriga int 0 1kter netto - 153 1 585-110 154-199 1 748 642 172 1 795 Summa int 0 1kter 9 735 13 174-26 9 212 6 34 339 28 409 21 41 104 Personalkostnader -3 735-4 262-12 -3 752 0-12 388-11 644 6-16 241 0 0vriga kostnader -1 899-1 918-1 -1 820 4-5 655-5 674 0-7 642 Av- och nedskrivningar av tillg 0 2ngar - 381-2 832-87 - 398-4 -4 228-1 124-1 524 Summa kostnader -6 015-9 012-33 -5 970 1-22 271-18 442 21-25 407 Resultat f 0 2re kreditf 0 2rluster 3 720 4 162-11 3 242 15 12 068 9 967 21 15 697 Kapitalvinster och -f 0 2rluster fr 0 2n materiella och immateriella tillg 0 2ngar 3 23-87 28 4 5 Kreditf 0 2rluster -3 335-3 567-7 - 716-9 288-1 528-3 231 R 0 2relseresultat 388 618-37 2 526-85 2 808 8 443-67 12 471 Skatt - 350-792 -56-641 -45-1 923-1 902 1-2 421 Nettoresultat fr 0 2n kvarvarande verksamheter 38-174 -122 1 885-98 885 6 541-86 10 050 Avvecklade verksamheter - 1 4-125 1-200 9 2 Nettoresultat 37-170 - 122 1 886-98 894 6 543-86 10 050 Minoritetens andel 12 23-48 4 200 37 8 9 Aktie 0 1garnas andel * 25-193 -113 1 882-99 857 6 535-87 10 041 * Nettoresultat per aktie f 0 2re utsp 0 1dning, kr 0:01-0:09 1:94 0:57 6:75 10:40 Nettoresultat per aktie efter utsp 0 1dning, kr 0:01-0:09 1:94 0:57 6:74 10:39 0 0vrigt totalresultat Kv3 Kv2 Kv3 Jan - sep Hel 0 2r Mkr 2009 2009 % 2008 % 2009 2008 % 2008 Nettoresultat 37-170 -122 1 886-98 894 6 543-86 10 050 Omr 0 1kning utl 0 1ndsk verksamhet - 11-172 -94 114-110 - 431-90 152 Finansiella tillg 0 2ngar som kan s 0 1ljas 1 488 417-263 1 752-1 849-195 -2 624 Kassafl 0 2dess 0 1kringar - 476-413 15 534-189 - 956-69 1 607 0 0vrigt - 880 110 491-707 472 2 066 0 0vrigt totalresultat (netto efter skatt) 121-58 876-86 - 342-1 536-78 1 201 Totalresultat 158-228 - 169 2 762-94 552 5 007-89 11 251 Minoritetens andel 13 17-24 3 45-8 1 Aktie 0 1garnas andel 145-245 -159 2 759-95 507 5 015-90 11 250 pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ 0 7 0 5 0 7 0 7 0 0 0 2 0 7 OMMV V
1 3Nyckeltal - SEB-koncernen Kv3 Kv2 Kv3 Jan - sep Hel 0 2r 2009 2009 2008 2009 2008 2008 R 0 1ntabilitet p 0 2 eget kapital, % 0,1-0,8 10,0 1,2 11,6 13,1 R 0 1ntabilitet p 0 2 totala tillg 0 2ngar, % 0,00-0,03 0,32 0,05 0,37 0,42 R 0 1ntabilitet p 0 2 riskv 0 1gda tillg 0 2ngar, % 0,01-0,09 0,83 0,13 1,01 1,13 Nettoresultat per aktie f 0 2re utsp 0 1dning, kr 0:01-0:09 1:94 0:57 6:75 10:40 V 0 1gt antal aktier, miljoner* 2 194 2 193 969 1 492 968 966 Nettoresultat per aktie efter utsp 0 1dning, kr 0:01-0:09 1:94 0:57 6:74 10:39 V 0 1gt antal aktier efter utsp 0 1dning, miljoner** 2 200 2 195 970 1 498 970 967 Substansv 0 1rde per aktie, kr 49,91 49:18 125:82 49,91 125:82 134:10 Genomsnittligt eget kapital, miljarder kr 98,7 98,7 75,2 94,0 75,2 76,4 K/I-tal 0,62 0,68 0,65 0,65 0,65 0,62 Kreditf 0 2rlustniv 0 2, % 0,98 1,07 0,27 0,91 0,19 0,30 Total reserveringsgrad f 0 2r individuellt v 0 1rderade os 0 1kra fordringar, % 72,2 71,7 74,9 72,2 74,9 68,5 Andel os 0 1kra fordringar, netto % 0,70 0,64 0,28 0,70 0,28 0,41 Andel os 0 1kra fordringar, brutto % 1,26 1,10 0,53 1,26 0,53 0,73 Basel II (Myndighetsrapportering med 0 2verg 0 2ngsregler) :*** Riskv 0 1gda tillg 0 2ngar, miljarder kronor 806 849 937 806 937 986 Prim 0 1rkapitalrelation exkl hybridkapital, % 10,94 10,52 6,92 10,94 6,92 7,11 Prim 0 1rkapitalrelation, % 12,53 12,15 8,15 12,53 8,15 8,36 Total kapitalt 0 1ckningsgrad, % 14,12 13,81 10,42 14,12 10,42 10,62 Basel II (utan 0 2verg 0 2ngsregler): Riskv 0 1gda tillg 0 2ngar, miljarder kronor 747 790 770 747 770 818 Prim 0 1rkapitalrelation exkl hybridkapital, % 11,80 11,31 8,42 11,80 8,42 8,57 Prim 0 1rkapitalrelation, % 13,51 13,07 9,91 13,51 9,91 10,08 Total kapitalt 0 1ckningsgrad, % 15,23 14,85 12,68 15,23 12,68 12,81 Basel I: Riskv 0 1gda tillg 0 2ngar, miljarder kronor 1 019 1 080 1 045 1 019 1 045 1 127 Prim 0 1rkapitalrelation exkl hybridkapital, % 8,65 8,27 6,21 8,65 6,21 6,22 Prim 0 1rkapitalrelation, % 9,91 9,56 7,30 9,91 7,30 7,32 Total kapitalt 0 1ckningsgrad, % 11,16 10,88 9,34 11,16 9,34 9,29 Antal befattningar**** 19 912 20 430 21 428 20 402 21 310 21 291 Dep 0 2f 0 2rvaring, miljarder kronor 4 743 4 505 4 437 4 743 4 437 3 891 F 0 2rvaltat kapital, miljarder kronor 1 295 1 267 1 244 1 295 1 244 1 201 * Utf 0 1rdat antal aktier uppgick till 2 194 171 802 efter nyemissionen i mars 2009 (687 156 631 vid 0 2rsskiftet 2008). SEB 0 1gde vid 0 2rsskiftet 2008 2,2 miljoner A-aktier f 0 2r personaloptionsprogrammet. Under 2009 har 1,0 miljoner av dessa aktier s 0 2lts netto i samband med att personaloptioner l 0 2sts in. Per 30 september 0 1gde SEB s 0 2ledes 1,2 miljoner A-aktier f 0 2r s 0 1kring av det l 0 2ngsiktiga incitamentsprogrammet till ett marknadsv 0 1rde av 62 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. *** 80 procent av RWA i Basel I f 0 2r 2009 och 90 procent av RWA i Basel I f 0 2r 2008. **** 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 ~ 0 7 0 5 0 7 0 7 0 0 0 2 0 7 OMMV NM
1 3Resultatr 0 1kning kvartalsvis - SEB-koncernen Mkr 2009:3 2009:2 2009:1 2008:4 2008:3 R 0 1ntenetto 4 519 5 370 5 904 5 513 4 553 Provisionsnetto 3 566 3 802 3 215 3 790 3 754 Nettoresultat av finansiella transaktioner 946 1 471 1 133 1 723 247 Livf 0 2rs 0 1kringsint 0 1kter netto 857 946 862 516 504 0 0vriga int 0 1kter netto - 153 1 585 316 1 153 154 Summa int 0 1kter 9 735 13 174 11 430 12 695 9 212 Personalkostnader -3 735-4 262-4 391-4 597-3 752 0 0vriga kostnader -1 899-1 918-1 838-1 968-1 820 Av- och nedskrivningar av tillg 0 2ngar - 381-2 832-1 015-400 - 398 Summa kostnader -6 015-9 012-7 244-6 965-5 970 Resultat f 0 2re kreditf 0 2rluster 3 720 4 162 4 186 5 730 3 242 Kapitalvinster och -f 0 2rluster fr 0 2n materiella och immateriella tillg 0 2ngar 3 23 2 1 Kreditf 0 2rluster -3 335-3 567-2 386-1 703-716 R 0 2relseresultat 388 618 1 802 4 028 2 526 Skatt - 350-792 - 781-519 - 641 Nettoresultat fr 0 2n kvarvarande verksamheter 38-174 1 021 3 509 1 885 Avvecklade verksamheter - 1 4 6-2 1 Nettoresultat 37-170 1 027 3 507 1 886 Minoritetens andel 12 23 2 1 4 Aktie 0 1garnas andel * 25-193 1 025 3 506 1 882 * Nettoresultat per aktie f 0 2re utsp 0 1dning, kr 0:01-0:09 1:03 5:12 1:94 Nettoresultat per aktie efter utsp 0 1dning, kr 0:01-0:09 1:03 5:12 1:94 R 0 2relseresultat, rullande12-m 0 2naders SEB-koncernen*, Mkr 50 000 45 000 Int 0 1kter 40 000 35 000 30 000 25 000 Kostnader 20 000 15 000 10 000 5 000 R 0 2relseresultat 0 Kv1-05 Kv2-05 Kv3-05 Kv4-05 Kv1-06 Kv2-06 Kv3-06 Kv4-06 Kv1-07 Kv2-07 Kv3-07 Kv4-07 Kv1-08 Kv2-08 Kv3-08 Kv4-08 Kv1-09 Kv2-09 Kv3-09 * Exkluderar eng 0 2ngsposter pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ 0 7 0 5 0 7 0 7 0 0 0 2 0 7 OMMV NN
1 3Resultatr 0 1kning per division C SEB-koncernen Stora 0 0vrigt inkl f 0 2retag & Kontorsr 0 2relsef 0 2rvaltning Kapital- elimine- SEB- Jan-sep 2009, Mkr Institutioner Liv* Baltikum ringar koncernen R 0 1ntenetto 8 004 5 237 482-17 2 157-70 15 793 Provisionsnetto 4 116 3 270 2 102 713 382 10 583 Nettoresultat av finansiella transaktioner 3 665 208 53 95-471 3 550 Livf 0 2rs 0 1kringsint 0 1kter netto 3 298-633 2 665 0 0vriga int 0 1kter netto 147 61 14-2 1 528 1 748 Summa int 0 1kter 15 932 8 776 2 651 3 281 2 963 736 34 339 Personalkostnader -2 973-3 141-979 - 844-593 -3 858-12 388 0 0vriga kostnader -2 905-3 306-850 - 392-988 2 786-5 655 Av- och nedskrivningar av tillg 0 2ngar - 94-139 - 92-500 -2 368-1 035-4 228 Summa kostnader -5 972-6 586-1 921-1 736-3 949-2 107-22 271 Resultat f 0 2re kreditf 0 2rluster 9 960 2 190 730 1 545-986 -1 371 12 068 Kapitalvinster och - f 0 2rluster fr 0 2n materiella och immateriella tillg 0 2ngar - 1 30-1 28 Kreditf 0 2rluster - 753-987 - 20-6 985-543 -9 288 R 0 2relseresultat 9 207 1 202 740 1 545-7 972-1 914 2 808 * Verksamhetsresultatet i Liv uppg 0 2r till 2 275 Mkr (1 461), av vilket f 0 2r 0 1ndringar i 0 2verv 0 1rden 730 Mkr (609). pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ 0 7 0 5 0 7 0 7 0 0 0 2 0 7 OMMV NO
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 3 Kv 2 Kv 3 Jan- Sep Hel 0 2r Mkr 2009 2009 % 2008 % 2009 2008 % 2008 R 0 1ntenetto 2 402 2 683-10 1 738 38 8 004 4 801 67 7 414 Provisionsnetto 1 326 1 618-18 1 374-3 4 116 4 085 1 5 248 Nettoresultat av finansiella transaktioner 981 1 498-35 757 30 3 665 1 812 102 3 625 0 0vriga int 0 1kter netto 40-8 77-48 147 185-21 526 Int 0 1kter 4 749 5 791-18 3 946 20 15 932 10 883 46 16 813 Personalkostnader - 775-1 106-30 - 867-11 -2 973-2 936 1-3 890 0 0vriga kostnader - 942-1 014-7 - 830 13-2 905-2 676 9-3 594 Av- och nedskrivningar av tillg 0 2ngar - 35-34 3-22 59-94 - 65 45-95 Kostnader -1 752-2 154-19 -1 719 2-5 972-5 677 5-7 579 Resultat f 0 2re kreditf 0 2rluster 2 997 3 637-18 2 227 35 9 960 5 206 91 9 234 Kapitalvinster och -f 0 2rluster fr 0 2n tillg 0 2ngar 1-100 4-100 5 Kreditf 0 2rluster - 107-367 - 71-249 - 57-753 - 297 154-889 R 0 2relseresultat 2 890 3 270-12 1 979 46 9 207 4 913 87 8 350 K/I-tal 0,37 0,37 0,44 0,37 0,52 0,45 Allokerat kapital, miljarder kronor 35,1 35,1 27,0 35,1 27,0 27,0 R 0 1ntabilitet, % 23,7 26,8 21,1 25,2 17,5 22,3 Antal befattningar 2 582 2 650 2 719 2 654 2 726 2 721 H 0 2ga och stabila kundint 0 1kter trots sommarperiod Fortsatt l 0 2ga kreditf 0 2rluster Strikt kostnadskontroll och f 0 2rb 0 1ttrad kostnad/int 0 1ktsrelation Kommentarer till de f 0 2rsta nio m 0 2naderna ^ 0 9 0 6 0 7 0 7 0 2 0 2 0 4 0 0 0 5 0 6 0 5 0 4 0 2 0 7 0 2 0 5 0 4 0 1 0 9~~ 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 4 0 5~ 0 5 г 0 0 0 4 0 3 0 5 0 5 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 5 6 4 0 2 0 5 г 0 5 ~ 0 5~ 0 1 0 6 6 4 0 7 0 9 0 6~ 0 5 0 4 0 5 0 2 0 5 0 7 0 5 0 7 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 I 0 4 0 5 0 5 0 4 0 0 0 0~ 0 0 6 4 0 2~ 0 5 0 7 0 2~ 0 5 0 5 0 3 0 5 0 4 0 2 0 0 6 4 0 6 0 7 0 9~ 0 2K f 0 2 0 3 0 9 0 7 0 2~ г 0 9~ 0 5 0 7 0 0 0 7 0 5QS 0 4 0 3 0 7 0 2 6 4 6 4 0 5 0 2~ 0 5 0 5I 0 0 0 7 0 5 0 0 ~ 0 5 0 6 0 5~ 0 1 0 1 0 5 г 0 7 0 2 0 5 ~ 0 0 0 5 6 4 0 2` 0 4 0 4 ~ 0 7_~ 0 2 0 9 0 2 0 0Kb 0 2 0 5 0 9 0 9 0 4 0 5 0 2~ 0 5 0 5 0 9 0 4 0 2 0 4 0 1 0 1 0 4 0 3 0 5 6 4 0 0 0 3 0 5 0 7 0 5 г ~ г 0 9~ 0 5 0 7 0 2 0 4 0 7 ~ 0 4 0 2 0 7 0 1 0 1~ 0 7 0 5 0 5 0 7 0 9 0 6 0 7 0 7 0 2 0 2 0 5 0 4 0 0 0 1 0 1 0 7 0 2 0 5 ~ 0 2 0 1 0 9 0 4 0 5 0 2~ 0 5 0 5 0 6 0 7 0 3 0 9 0 1 0 2 0 0 0 4 0 3 0 5 0 7 0 2 0 5 0 4 0 5~ 0 0 0 2 0 5 0 9 0 2 0 2 0 0~ 0 6~ 0 2 ~ 0 1 0 7 0 2 0 7 0 5~ 0 2 0 2 0 0~ K o 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 6~ 0 5 0 4 0 5~ 0 1 6 4 0 0~ 0 4 0 3 0 5 0 1 0 1 0 0 6 4 0 2 0 0 0 5 0 9 0 6~ 0 1 0 7 0 7 0 2 0 0 0 7 0 2 0 7 0 7 0 1 0 1 0 5 0 7 0 0 0 4 0 5Kj~ 0 9 0 2~ 0 5 0 5 0 6 0 3 0 5 0 7 0 2 0 0 0 5J 0 7 0 5 0 5 0 7 0 9 0 7 0 2~ 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 2 0 0 6 4 0 1 0 1JQNPj 0 9 EJUUOFE 0 5 0 7 0 5 0 5RFK^ 0 0 0 4 0 7 0 2 0 0~ 0 4 0 3 0 5 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0~ 0 5~ 0 0 0 2 0 5 0 9~ 0 4 0 5 г 0 1 0 7 0 2 0 5 0 5 0 4 0 1 0 7 0 9 0 1 0 1VT 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 K h 0 6~ 0 6~ ~ 0 2 0 5 0 7 0 1 0 1 0 0 6 4 0 2 0 0~ 0 6 0 7 0 3 0 9 0 1~ 0 5 0 5 0 4 0 5~ 0 7 0 2 0 1 0 0 0 5 г 0 6 0 3 0 2 ~ 0 2K p 0 4 0 0 0 0~ 0 7 0 4 0 5 0 7 0 2 0 9 0 4 0 0 0 2 0 2~ 0 4 0 2 0 0 0 7 0 5 0 7 0 2 0 0 ~ 0 5 0 6 0 5 0 2 0 4 0 0~ 0 1 0 5 0 7 0 2 0 0~ 0 6 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~I 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 6 0 7 0 2 0 2 6 4 0 0 0 4 0 1 0 3 0 0 0 7~ 0 9 0 6 0 7 0 4 0 3 0 5 0 2 0 3 0 2 0 2 0 0 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 2 0 5 0 7 0 5 0 7 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 3 0 2 0 5 0 0~ 0 7 0 2 0 5 0 7 6 4 0 7 Kg 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 2 0 5 0 7 0 5 0 0~ 0 7 6 4 0 6~ ~ 0 9 0 6 0 7 0 7 0 2 0 5 0 3 0 7 0 0 0 4 0 0 0 3 0 9 0 7 0 5 г 0 0K s 0 4 0 1 0 0 0 7 0 2~ 0 2 0 4 0 0 0 4 0 2 0 1 0 0~ 0 4 0 2 0 5 0 7 0 0 0 5 0 5 0 4 0 2 0 7 0 4 0 3 0 5 0 3 0 2 0 7 0 7 0 1~ 0 7 ~ 0 5 0 5~ 0 2 0 5 0 7 0 1 0 6~ 0 5 г 0 0~ 0 4 0 3 0 5 0 2 г 0 5 0 9 0 1 0 0~ 0 7 0 5 г 0 2 0 3 ~ 0 5 0 7 0 5 0 7 0 1 0 0~ 0 7K 0 4 0 6 0 7 0 2 0 6~ 0 1 ~ 0 5~ 0 2 0 5 0 7 0 1 0 2 0 6 0 5~ 0 5 0 7 0 0 0 4 0 5~ 0 7 0 5 0 1 ~ K a 0 7 0 2 6 4 0 0 6 4 0 7 0 2 0 5 0 7 0 5 г 0 2 0 3 0 2 0 0 0 7 0 2~ 0 6 0 6 0 1 0 1 0 9 0 4 0 7 0 2 6 4 0 9~ ~ 0 1 0 0~ 0 9 0 2~ 0 5 0 7 0 2I 0 3 0 6 0 7 0 2 0 5 г 0 7 0 0 0 7 0 2 0 7 0 0 0 7 0 5 0 5 0 3 0 0 0 7 ~ 0 2 0 0I 0 1 0 1 0 3 0 7 г 0 9~ ~ 0 2 ~ 0 1 0 9 0 2 0 5 0 7 ~ 0 7 0 5 0 2~ 0 2 0 5 0 7 ~ 0 5 0 2~ 0 2 0 1~ 0 7 ~ 0 1~ 0 2~ 0 2 0 9 0 5~ 0 3 0 1 0 7 0 7 Kh 0 7 0 5 0 5 0 7~ 0 5~ 0 4 0 3 0 5 0 1 6 4 0 2 0 7 0 0~ 0 0 0 2~ 0 1 0 7 0 6 0 5~ 0 5 0 7 0 7 0 3 0 9 0 7 0 2 6 4~ 0 5 ~ 0 2 0 1 0 5 0 7 ~ 0 5 6 4 0 2 6 4 0 0 0 4 0 1 0 3 0 0 0 7 0 2 0 6 6 4 0 7 0 3 0 2 0 5 0 7 0 5 0 4 0 0 6 4 0 5 0 5 0 7 0 2 0 5 0 7 0 6 6 4 0 7 0 2Ka 0 7 0 2 0 2~ 0 6 0 7 0 3 0 9 0 1 0 2 0 0 0 5 0 7 0 6 0 5~ 0 6 0 2~ 0 2 0 9 0 7 0 2~ 0 5 0 0 0 7 0 2 0 7 0 7 0 1 0 1 0 5 г 0 2 0 3 ~ 0 5 0 7 0 1 0 1 0 0 6 4 0 2 0 0 0 1 0 1 0 5 0 2~ 0 2 0 5 0 7 0 2 0 0K pb_b 0 2 0 5 0 9 0 1 0 5~ 0 6~ 6 4 0 7 0 0 0 7 0 2 0 2 0 6 0 4 0 1 0 6 0 7 ~ 0 7 ~ 0 2 ~ 0 1 0 5 г 0 0 0 4 0 5 0 1 0 7 ~ 0 5 0 7jC^J 0 4 0 3 0 5~ 0 2 0 5 ~~ 0 9 0 7 0 0~ 0 9 0 2~ 0 5 0 5 0 7 0 1~ 0 7 ~ 0 5 0 7 ~ 0 2 0 5~ 0 9 0 4 0 2 0 7 Ka 0 7 0 5 0 5~ 0 2 0 9 0 1 0 5 0 7 ~ 0 1~ 0 3 0 7 0 2 0 0~ 0 6 0 7 0 0 0 2~~ 0 9 0 7 0 2 0 4 0 0^KmKj 6 9 0 1 0 1 0 7 Jj 6 8 0 5 0 9^Lp 0 5~ 0 0 6 4 0 5 0 0 0 6 0 2 0 2 0 0 0 1 0 1 q 0 7 0 1 ~p 0 4 0 2 0 7 ~ 0 0 0 3 0 1 0 1~ 0 2 0 5 0 7 0 5 0 7 0 5 0 5 0 2 0 1 0 9~ 0 2 0 5 6 4b 0 7 0 5 q 0 7 0 1 0 7 0 9 0 4 0 0 0 5~ 0 0 qbliqkm 0 4 0 5 0 7 ~ 0 5 0 5 0 3 0 5 0 9~ 0 2 0 5 0 7 0 5 г 0 9 0 2 0 2 0 0 0 2 0 4 0 0 0 3 0 4 0 4 ~ 0 7 0 5 0 2~ 0 2 0 3 0 7 0 2 0 7 0 9 0 3 0 5 ~ 0 5 0 7pb_W 0 5 0 1 0 7 0 5~ 0 2 0 5 0 7 0 5 0 3 0 1 0 1 0 2 0 2 0 0 0 0 0 3 0 1 0 1~ 0 2 0 5 0 7 0 2 0 4 0 5 0 5 0 9 0 2 0 6 0 7 0 5 0 0 0 7 0 2 0 2~ 0 2 0 9 0 2 0 0I 0 6 0 1 0 9 0 7 0 2 0 7 0 1 0 0~ 0 7 0 5 г 0 5 0 3 0 9 0 7 0 5~ 0 6 0 5 0 7 0 2 0 1 0 0 0 7 0 2 0 0 0 7 0 2 0 4 0 0 0 5 г 0 5~ 0 9 г 0 7 ~ 0 6 0 5 0 7 0 2 0 2 0 4 0 5 0 9~ 0 5 0 2~ 0 2 0 5 0 7 0 1 0 1~ 6 4 0 5 0 0 0 6 0 2 0 2 0 0 0 5 0 5 0 0~ 0 2^ 0 5 Cm~ 0 2 0 7 0 5Kpb_ ~ 0 2 0 9~ 0 5 0 7 0 5 0 3 0 6 0 7 0 2 0 5 0 4 0 0 0 2 0 3 0 5 ~ 0 2~ 0 2 0 9 k 0 4 0 5 0 7 0 2 0 4 0 3 0 5_~ 0 1 0 9 0 0 0 5~ 0 0 0 2 0 3 0 5 0 2 0 3 0 5 ~ 0 2~ 0 2 0 9 q 0 5 0 9 0 1~ 0 2 0 5 b 0 4 0 0 0 4 0 2 0 7 0 5o 0 7~ 0 1b 0 5 ~ 0 7 0 4 0 1 0 1K d 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 2 0 7 0 5~ 0 2 0 2 0 5 0 0 6 4 0 7 0 0 0 7 0 2 0 0 0 4 0 6 0 2 0 5 6 4 0 0 0 2 0 5~ 0 6 0 7 0 9 0 4 0 5 0 1 6 4 0 0~ 0 3 0 2 0 7 0 2 0 6 6 4 0 7 0 4 0 3 0 5 0 1 6 4 0 0 ~ 0 9 0 7 0 0~ 0 9 0 2~ 0 5 0 5~ 0 9 0 6 0 7 Ka 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 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 0 4 0 3 0 5 0 5 0 7 0 0 0 1 0 1QTQP 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 EPUVN 0 5 0 7 0 3OMMUFKc ~ 0 0 г 0 6 0 7 0 5 г 0 6 0 3 0 2 ~ 0 5 0 9 0 2 0 5 0 5 г 0 6 0 3 0 6I 0 7 0 2 0 0 0 7 ~ 0 9 0 6~ 0 9 0 7 0 0~ 0 9 0 2~ 0 5 0 5~ 0 0 0 7 0 2 0 5 ~ 0 9 0 7 0 5 0 7 0 5 6 4 0 0~ 0 2 6 4 г 0 7 0 1 0 5 0 7 0 5 0 2~ 0 2 0 5 0 7 0 2 0 0 0 5 г 0 5 ~ 0 6 0 7 0 3 0 9 0 1 0 2 0 0 0 7 0 2K pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ 0 7 0 5 0 7 0 7 0 0 0 2 0 7 OMMV NP
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 Kv 3 Kv 2 Kv 3 Jan- Sep Hel 0 2r Mkr 2009 2009 % 2008 % 2009 2008 % 2008 R 0 1ntenetto 1 651 1 704-3 1 864-11 5 237 5 266-1 7 195 Provisionsnetto 1 089 1 124-3 1 134-4 3 270 3 526-7 4 691 Nettoresultat av finansiella transaktioner 55 81-32 47 17 208 177 18 248 0 0vriga int 0 1kter netto 26 13 100 14 86 61 44 39 92 Int 0 1kter 2 821 2 922-3 3 059-8 8 776 9 013-3 12 226 Personalkostnader -1 022-1 050-3 - 941 9-3 141-2 855 10-3 828 0 0vriga kostnader -1 088-1 140-5 -1 040 5-3 306-3 127 6-4 283 Av- och nedskrivningar av tillg 0 2ngar - 43-52 - 17-54 - 20-139 - 164-15 - 222 Kostnader -2 153-2 242-4 -2 035 6-6 586-6 146 7-8 333 Resultat f 0 2re kreditf 0 2rluster 668 680-2 1 024-35 2 190 2 867-24 3 893 Kapitalvinster och -f 0 2rluster fr 0 2n tillg 0 2ngar - 1-1 2 Kreditf 0 2rluster - 364-363 0-163 123-987 - 410 141-650 R 0 2relseresultat 303 317-4 861-65 1 202 2 457-51 3 245 K/I-tal 0,76 0,77 0,67 0,75 0,68 0,68 Allokerat kapital, miljarder kronor 15,8 15,8 14,5 15,8 14,5 14,5 R 0 1ntabilitet, % 6,3 6,4 17,5 8,0 17,5 16,5 Antal befattningar 5 007 5 171 5 338 5 109 5 363 5 346 Fortsatt starkt resultat i Sverige, vissa tecken p 0 2 0 2terh 0 1mtning i kundaktiviteten Kortverksamheten genererade ett av sina b 0 1sta resultat hittills Den tyska kontorsr 0 2relsen forts 0 1tter att pressas av det ogynnsamma konjunkturl 0 1get Kommentarer till de f 0 2rsta nio m 0 2naderna o 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 5 г 0 5 ~ 0 2 0 4 0 0 6 4 0 2~ 0 5 0 7 0 2~OMMV 0 0 0 3 0 9 0 1 0 1NOMOj 0 9 EOQRUFKo 0 7 0 5 0 1 ~ 0 7 0 6~ 0 7 ~ 0 5 0 7 0 9 ~ 0 5 0 0 0 0 0 7 0 1 0 1~ 0 2 0 5 0 7 0 7~ 0 5 0 5 0 3 0 5 0 4 0 0 6 4 0 5 0 7 0 2~K f 0 2 0 3 0 9 0 7 0 2~ p 0 6 0 7 0 0 0 7 0 6~ 0 1 0 2 0 7 0 0 0 7 0 5 0 5 0 7 0 5 г 0 5 ~ 0 7 0 9 0 6~ ~ 0 1 0 7 0 2OMMUKa 0 7 0 2 0 5 ~ 0 9~ 0 7 0 5 0 7 0 5 6 4 0 0~ 0 2 6 4 0 2 0 4 0 1 6 4 0 2 0 5 0 4 0 5~ 0 7 0 4 0 3 0 5 0 1 0 7 0 5 0 5 0 7 0 1 0 1~ 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 5U 0 4 0 3 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5 0 7 6 4 0 5 0 0~ 0 7Kf 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 7 0 1 0 0~ 0 7 0 1 0 1 0 0 0 3 0 9 0 7 0 1 6 4 0 0~ 0 2 0 6 6 4 0 7 I 0 6 0 1 0 9 0 7 ~ 0 6 0 5 0 7 0 0 0 1~ 0 7 0 5 0 5 0 7 0 9 0 7 0 2 ~ 0 6 0 5 0 3 0 3 0 7 0 5 0 5 0 6 0 5~ 0 1 0 1~ 0 2 0 5 0 7 0 0~ 0 0 0 2~ 0 1 0 7 0 5 0 7 0 5~ 0 2 0 2 г ~ 0 2~ 0 6 6 4 0 7 K p 0 7 0 7 0 0 0 2 0 7 I 0 5 0 4 0 0 0 6~ 0 9 0 6~ ~ 0 1 0 7 0 5 0 5 ~ 0 9~ 0 5 0 7 0 0 6 4 0 2~ 0 5I 0 6 0 5~ 0 5 0 7 0 5 0 7 0 5 г 0 0 0 5 ~ 0 0 6 4 0 2~ 0 5 0 5 0 3 0 4 ~ 0 0 0 7 0 5 0 1 0 1 0 5 6 4 Kr 0 2 0 5 0 7 0 0 6 4 0 2~ 0 5 0 7 0 2 0 0 0 7 0 2 0 4 0 0 0 5 г 0 5 0 7 0 5 0 4 0 3 0 9 0 5 6 4 0 7 0 2 0 1 0 3 0 9~ 0 5 0 5 0 0 6 4 0 5 г 0 7 ~ 0 0~ 0 9~ 0 0 ~ 0 2 I 0 5 0 4 0 0 ~ ~ 0 5 0 7 ~ 0 5 0 7OQRM 0 2 0 5 ~ ~ 0 5 0 7 0 5 г 0 7 ~ 0 0Kh 0 4 0 5 0 2~ 0 5 0 7 0 2~ 0 5 0 7 0 0 0 0 0 7 0 5P 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 5 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 г 0 9~ 0 5 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 ^ 0 2 ~ 0 1 0 7 ~ 0 2 0 5 0 3 0 1 0 1 0 5~ 0 0 0 2 0 5 0 9~ 0 5 0 7 0 0 0 7 0 5ONP p 0 6 0 7 0 0 0 7 0 3 0 0 0 5 г 0 0 0 7 0 5 0 7 6 4 0 5 0 0~ 0 7Ko 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 1 OTSj 0 9 0 5 г 0 5 0 7 0 5 г 0 5 ~ 0 2 0 4 0 0 6 4 0 2~ 0 5 0 7 0 2~OMMVI 0 6 0 1 0 9 0 7 ~ 0 6 0 5 0 7 0 0 0 1~ 0 7 0 2 0 0 0 3 0 9 0 7 0 5 0 4 0 1 0 5 0 9 0 7 0 5 0 9 0 6~ 0 1 0 7 0 2 0 4 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 7 0 2 0 5 0 4 0 5~ 0 1 6 4 0 0~ 0 2 0 5 0 7 0 1 0 4 0 2 0 1 0 7 0 0 0 9 0 7 0 5 0 7 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 4 0 3 0 5 0 9 0 4 0 2 0 5 0 0 0 4 0 2 0 5 0 1 6 4 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 7 0 5 г 0 5 ~ 0 2 0 4 0 0 6 4 0 2~ 0 5 0 7 0 2~OMMV 0 0 0 3 0 9 0 1 0 1NQRUj 0 9 K h 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 5 0 4 0 5~ 0 7~ 0 6 0 5~ 0 7 0 5 0 6~ 0 0 0 7 0 5 0 1 ~ 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 Kq 0 1 0 1 0 5 г 0 1 0 5~ 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 9 0 4 0 0 0 2 0 2~ 0 4 0 2 0 0 0 7 0 5 0 1 6 4 0 0 0 9 0 2 0 5~ 0 9 0 6 0 7 0 0 0 2 0 5 0 9~ 0 5 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 5 0 6 0 5~ 0 2 0 3 0 9 0 7 0 2~ 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 0 0 4 0 5 0 6~ ~ 0 2 0 5 0 7 0 9 0 6~ ~ 0 1 0 5 0 4 0 1Kh 0 7 0 5 0 5 г 0 1 0 5 0 7 0 2~I 0 5 0 4 0 0 0 5~ г 0 9~ 0 9 0 6~ ~ 0 1 0 5 г 0 9 0 6~ ~ 0 1 0 2 0 5 0 7 OMMVI 0 5 0 7 0 0 0 1 0 1NSQj 0 9 0 2 0 5 0 7 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 Ko 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 5 г 0 5 ~ 0 2 0 4 0 0 6 4 0 2~ 0 5 0 7 0 2~OMMV 0 0 0 3 0 9 0 1 0 1JVOVj 0 9 K h 0 4 0 6 0 7 0 9 0 5~ 0 0 0 5 0 7 0 7 0 2I 0 5 0 4 0 0 0 0 0 2 0 2~ 0 5~ 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 I 0 0 0 7 0 2 0 7 0 7 ~ 0 5 0 7 0 7 ~ 0 6 0 5 0 2~ 0 2 0 3 0 5 ~ 0 7 0 5 0 1 ~ 0 5 0 1 0 1 0 5 0 2 0 5 0 7 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 Kr 0 2 0 5 0 7 OMMV 0 5~ pb_ h 0 4 0 2 0 5 г 0 5 0 1 0 7 ~ 0 5 г 0 2 0 3 0 2 0 0~ I 0 2 0 1~ 0 2 0 5~ 0 2 0 2~ 0 4 0 2 0 1 0 0~ 0 4 0 5 0 9 0 1 г 0 5 0 7 0 2 0 4 0 5 0 5 г 0 7J 0 5~ 0 2 0 5 0 7 0 1 6 4 0 5 0 7 0 2 0 5 0 9~ 0 2 0 5 0 2~ 0 6 0 5 0 9~ 0 0~ 0 9 0 2~ 0 5 0 7 0 2I 0 6 0 1 0 9 0 7 0 2 0 7 0 0 0 3 0 2 0 5~ 0 5 0 9 0 7 0 2~ 0 6 0 5 0 2 0 7 0 2 0 7 0 5~ 0 2 0 5 0 7 0 1K o 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 2 0 9 0 1 0 5 0 6 0 7 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 3 0 2 0 2 0 5 0 7 0 5 г 0 5 ~ 0 4 0 3 0 5~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 0 2OMMV 0 4 0 3 0 5 0 0 0 3 0 9 0 1 0 1NMTj 0 9 0 2 0 5 0 7 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 K o 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 5 г 0 5 ~ 0 2 0 4 0 0 6 4 0 2~ 0 5 0 7 0 2~OMMV 0 0 0 3 0 9 0 1 0 1STOj 0 9 K pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ 0 7 0 5 0 7 0 7 0 0 0 2 0 7 OMMV NQ
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 3 Kv 2 Kv 3 Jan- Sep Hel 0 2r Mkr 2009 2009 % 2008 % 2009 2008 % 2008 R 0 1ntenetto 133 159-16 237-44 482 679-29 892 Provisionsnetto 730 713 2 784-7 2 102 2 562-18 3 680 Nettoresultat av finansiella transaktioner 17 16 6 14 21 53 41 29 67 0 0vriga int 0 1kter netto 1 12-92 3-67 14 39-64 50 Int 0 1kter 881 900-2 1 038-15 2 651 3 321-20 4 689 Personalkostnader - 302-337 - 10-331 - 9-979 -1 080-9 -1 427 0 0vriga kostnader - 272-292 - 7-249 9-850 - 807 5-1 132 Av- och nedskrivningar av tillg 0 2ngar - 29-33 - 12-25 16-92 - 72 28-101 Kostnader - 603-662 - 9-605 0-1 921-1 959-2 -2 660 Resultat f 0 2re kreditf 0 2rluster 278 238 17 433-36 730 1 362-46 2 029 Kapitalvinster och -f 0 2rluster fr 0 2n tillg 0 2ngar 1 29-97 30 Kreditf 0 2rluster - 12-100 - 20-3 - 18 R 0 2relseresultat 279 255 9 433-36 740 1 359-46 2 011 K/I-tal 0,68 0,74 0,58 0,72 0,59 0,57 Allokerat kapital, miljarder kronor 5,5 5,5 6,6 5,5 6,6 6,6 R 0 1ntabilitet, % 14,6 13,4 18,9 12,9 19,8 21,9 Antal befattningar 981 1 013 1 123 1 023 1 145 1 133 6 1 L 0 1gre int 0 1kter p 0 2 grund av l 0 1gre f 0 2rvaltat kapital i b 0 2rjan av 2009, men 0 2terh 0 1mtningen har b 0 2rjat 6 1 Starkt resultat f 0 2r Private Banking 6 1 Framg 0 2ngsrika lanseringar av investeringsprogram Kommentar till de f 0 2rsta nio m 0 2naderna f 0 2 0 3 0 9 0 7 0 2~ 0 5 г 0 5 0 7 0 5 г 0 5 ~ 0 2 0 4 0 0 6 4 0 2~ 0 5 0 7 0 2~ 0 5 г 0 2 0 9 0 1 0 1OSRNj 0 9 EPPONFI 0 5 0 3 0 0 0 5 6 4 0 0 0 2 0 5~ 0 6 0 7 0 2SJ 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 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 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 6 4 0 5~ 0 0 0 0 6 4 0 1 0 0~ 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 IVQj 0 9 EOQVFK ` 0 4 ~ 0 0 0 7 0 2 0 3 0 9 0 7 0 2~ 0 6~ 0 5 ~ 0 9~ 0 5 г 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 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 4 0 5~ 0 7~ 0 5~ 0 2 0 7 0 0~ 0 6 6 4 0 6 0 7 0 9~ 0 2 6 4 0 3 0 2 0 7 0 2 0 7 0 4 IQUOj 0 9 ESTVFKh 0 4 0 5 0 2~ 0 5 0 7 0 2~ 0 5 г 0 2 0 9 0 0 0 7 0 5 O 0 4 0 3 0 7 0 2 0 1 0 1NVONj 0 9 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 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 7K 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 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 7 0 1 0 0~ 0 7 0 2 0 5 0 7 0 5 0 7 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 Kpb_W 0 5 ~ 0 2 0 5 0 7 0 1~ 0 6 0 5 0 7 0 2 0 4 ~ 0 1~ 0 2 0 7 0 4 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2 0 5 г 0 2 0 3 ~ 0 5 0 7 0 5 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 Kpb_ 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 7 0 5 0 4 0 2 0 5 0 7 I 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 4 0 3 0 5 ~ 0 1 0 7 0 2~ 0 6~ 0 5 0 4 0 2 0 5 0 7 0 2 0 5 0 7 0 5 0 7 0 5 г 0 5 ~ 0 2 0 4 0 0 6 4 0 2~ 0 5 0 7 0 2~ 6 4 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 г 0 9~ 0 5 0 7 0 0 0 7 0 5T 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 1NOOM 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 0 7 0 2 0 4 0 5 0 6 0 6 0 3 0 5 0 7 0 6 0 7 0 3 0 9 0 1 0 2 0 0 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 4ON 0 0 0 1 ~ 0 5 0 7 EPPFK 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 9 0 6~ ~ 0 1 0 7 KSP 0 4 0 3 0 7 0 2 EPMF~ 0 6 0 4 0 5 г 0 1 0 7 0 2~ 0 4 0 3 0 5TO 0 4 0 3 0 7 0 2 EPQF~ 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 9 0 6 0 5 0 0 6 4 0 2 0 0 0 7 0 2~ 0 6 0 5 0 7 0 7 0 0 0 2 0 7 K ^ 0 5 0 5 0 3 0 5 0 4 0 0 6 4 0 5 0 7f 0 2 0 5 0 4 0 2~ 0 1` 0 1 0 7 0 2 0 5 6 4 0 6 0 7 0 9~ 0 5 0 7 0 5~ 0 6 0 5 0 7 0 0 0 2 0 5 0 9~ 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 2 0 5 0 7 0 5 г 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 I 0 0 0 7 0 2 0 5 0 7 0 2 0 7 0 2 0 9 0 4 0 2 0 2 0 7 0 1 0 0 г 0 9 0 2 0 2 0 0~ 0 6 0 2~ 0 5 0 2 0 3 0 9 0 7 0 2~Kj 6 4 0 1 0 0~ 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 0 6~ 0 5 0 7 0 5 0 3 0 0 0 5 ~~ 0 2 0 1 0 7 0 5 0 2 0 2 0 0~ 0 2~ 0 1 0 1 0 2 0 3 0 9 0 5 ~ 0 7 0 0 0 4 0 5 г 0 7 0 0 6 4 0 7 0 2 0 5 0 7 6 4 K f 0 2 0 4 0 0 0 5 0 7 0 2 0 5 0 4 0 2 0 7 0 1 0 1~ 0 4 0 0 6 4 0 5 0 7 0 5~ 0 5 0 4 0 5~ 0 5 г 0 0 0 9 0 2 0 5 0 4 0 5 0 7 0 9 0 7 0 2 0 0 0 1 0 7 0 1 0 1 0 7 0 5 0 4 ~ 0 2 ~ 0 1 0 2 ~ 0 0~ 0 2 0 5~ K q 0 7 0 5 0 7 ~ 0 5 0 5 0 5 0 2 0 4 0 2 0 7 0 2 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 0 4 0 3 0 5 0 5 0 4 0 2 0 5 0 7 0 2 0 5 0 7 0 7 0 2 0 5~ 0 5 г 0 2 0 3 ~ 0 5 0 2~ 0 2 0 3 0 9 0 7 ~ 0 9 0 0 0 7 0 5 0 0~ 0 9 0 2~ 0 5 0 7 0 2Kr 0 2 0 5 0 7 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 г 0 9~ 0 5 0 7 0 2 0 5 0 1 г 0 5 0 7 ~ 0 9 0 7J 0 4 0 3 0 5 0 2 0 1~ 0 2 0 5 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 1 NQIO 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 ENSFKc г 0 5 0 3 0 1 0 2 0 2 0 0 0 7 0 2 0 5~ 0 6~ 0 5 0 4 0 5~ 0 5 г 0 0 0 2 0 5 0 7 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 Ka 0 7 0 5 г 0 6~ 0 1 ~ 0 5 0 7 0 9~ ~ 0 1 0 7 0 5~ 6 4 0 7 0 5 0 3 0 0 ~ 0 5 0 0 0 4 0 3 0 5 0 5~ г 0 9~ 0 0 0 7 0 5OP 0 4 0 3 0 7 0 2 0 5 0 7 0 5~ 0 2 6 4 0 5 0 5 0 9 0 5 0 7 Km 0 6~ 0 7_~ 0 2 0 9 0 2 0 0 0 1~ 0 2 0 5 0 7 ~ 0 5 0 7 0 2 0 1 0 0 0 7 0 2 0 7 0 2 ~ 0 2 0 6 0 7 0 5 0 7 0 2 0 0 0 5 0 4 0 0 ~ 0 0Ij 0 4 0 5 0 7 0 2m 0 4 0 7 0 3 0 4 0 2Ij 0 4 0 5 0 7 0 2d 0 4 0 7 0 5 0 4 0 3 0 5j 0 4 0 5 0 7 0 2^ 0 0 0 7 0 5 0 5 0 6 0 7I 0 0 0 7 0 5~ 0 0 0 2 0 4 0 2 0 7 0 2~ 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 0 6 4 0 5 0 2~ 0 2 0 6 0 7 0 5 0 7 0 2 0 0~ Km 0 4 0 0 ~ 0 0 0 0 0 7 0 2 0 5~ 0 6~ 0 5 0 9~ ~ 0 5 0 7~ 0 6 0 9 0 2 0 5 0 7 0 2~Kq 0 4 0 5 0 1 6 4 0 0 0 9 0 4 0 2 0 2 0 9 0 7 0 2 0 5~ m 0 6~ 0 7_~ 0 2 0 9 0 2 0 0 0 1 0 3 0 9~ 0 5 0 3 0 5 6 4 0 1 0 1~ 0 6 0 2 0 5 0 2 0 6 6 4 0 7 0 2~ 0 0 0 7 0 2 0 4 0 0 0 5 г 0 2 0 3 ~ 0 5 0 5 г 0 5 0 3 0 1 0 2 0 2 0 0 0 4 0 3 0 5 0 5 г 0 0 0 9 0 2 0 5~ 0 9 0 6 0 7 K pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ 0 7 0 5 0 7 0 7 0 0 0 2 0 7 OMMV NR
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 Kv 3 Kv 2 Kv 3 Jan - sep Hel 0 2r Mkr 2009 2009 % 2008 % 2009 2008 % 2008 R 0 1ntenetto -2-5 -60-3 -33-17 -32-47 -36 Livf 0 2rs 0 1kringsint 0 1kter netto 1 107 1 148-4 720 54 3 298 2 557 29 3 296 Int 0 1kter 1 105 1 143-3 717 54 3 281 2 525 30 3 260 Personalkostnader -271-299 -9-266 2-844 -813 4-1 105 0 0vriga kostnader -120-146 -18-126 -5-392 -406-3 -523 Av- och nedskrivningar av tillg 0 2ngar -158-177 -11-149 6-500 -454 10-569 Kostnader -549-622 -12-541 1-1 736-1 673 4-2 197 R 0 2relseresultat 556 521 7 176 1 545 852 81 1 063 F 0 2r 0 1ndring i 0 2verv 0 1rden fr 0 2n verksamheten, netto 224 395-43 132 70 730 609 20 989 Verksamhetsresultat 780 916-15 308 153 2 275 1 461 56 2 052 K/I-tal 0,50 0,54 0,75 0,53 0,66 0,67 Allokerat kapital, miljarder kronor 6,8 6,8 7,5 6,8 7,5 7,5 R 0 1ntabilitet, % baserat p 0 2 r 0 2relseresultat 28,8 27,0 8,3 26,7 13,3 12,5 baserat p 0 2 verksamhetsresultat 40,4 47,4 14,5 39,3 22,9 24,1 Antal befattningar 1 184 1 196 1 250 1 195 1 232 1 233 B 0 1sta kvartalet hittills med hj 0 1lp av en positiv utveckling av marknadsv 0 1rdena H 0 2gre f 0 2rs 0 1ljning och premieinkomst Kommentarer till de f 0 2rsta nio m 0 2naderna o 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 0 0 7 0 5UN 0 4 0 3 0 7 0 2 0 3 0 0 0 5 г 0 0 0 7 0 5 0 5 0 7 0 5 г 0 5 ~ 0 2 0 4 0 0 6 4 0 2~ 0 5 0 7 0 2~OMMUKg 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 5PO 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 0 5 0 4 0 1I 0 5 0 2 0 2 0 7 0 5 0 7 p 0 6 0 7 0 0 0 7 0 4 0 3 0 5 _~ 0 1 0 9 0 0K 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~ OM 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 2 0 4 0 3 0 5OS 0 4 0 3 0 7 0 2 0 5 г 0 0 0 7 0 3 0 2 0 6 0 5 6 4 0 5 0 5 0 9 0 5 0 7 Ko 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 I 0 4 0 5 0 7 0 9 ~ ~ 0 6 0 5 0 3 0 2 0 2 0 0~ 0 2 0 5 0 7 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 Ka 0 7 0 5 0 5 0 4 0 0 0 6~ ~ 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 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 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 5 0 7 0 1 0 6 0 5 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 4OQPj 0 9 EJNPRFI ~ 0 6 0 6 0 1 0 9~PQj 0 9 ~ 0 6 0 5 0 7 0 5 0 7 0 7 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 4NQUj 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~ 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 0 4 0 3 0 5 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 4TV 0 4 0 3 0 7 0 2 ETSF~ 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 1SP 0 4 0 3 0 7 0 2 ESVF 0 5 0 4 0 0 0 7 0 7 0 5 0 1 ~ ~ 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 7 0 5 0 7 0 9 0 6~ ~ 0 1 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~ UN 0 4 0 3 0 7 0 2 EUNFKj~ 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~ 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 0 9 0 6~ ~ 0 1 0 5 ~ 0 4 I NSIU 0 4 0 3 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 2Kc г 0 5 0 7 0 1 6 4 0 7 OMMU 0 0 0 3 0 9 0 0~ 0 0 0 2~ 0 1 0 7 0 2 0 1 0 1NUIS 0 4 0 3 0 7 0 2 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 7 0 2 0 0 0 7 0 5T 0 4 0 3 0 7 0 2 0 4 0 3 0 5 a~ 0 2 0 0~ 0 9 0 0 0 7 0 5 P 0 4 0 3 0 7 0 2 Kc 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 0 6~ 0 2 0 3 ~ 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~ PO 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 0K 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 5P 0 4 0 3 0 7 0 2 0 1 0 1 ONIV 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 EONIOFKs 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 3 0 9 0 1 0 1NQR 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 5NNR 0 0 0 1 ~ 0 5 0 7 0 6 0 5 6 4 0 5 0 5 0 9 0 5 0 7 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 5NN 0 4 0 3 0 7 0 2 0 1 0 1PVO 0 0 0 1 ~ 0 5 0 7 0 9 0 4 0 2 0 4 0 2 0 5 0 7 0 5 0 7 0 5 г 0 5 ~ 0 2 0 4 0 0 6 4 0 2~ 0 5 0 7 0 2~K pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ 0 7 0 5 0 7 0 7 0 0 0 2 0 7 OMMV NS
1 3Baltikum 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 Kv 3 Kv 2 Kv 3 Jan- Sep Hel 0 2r Mkr 2009 2009 % 2008 % 2009 2008 % 2008 R 0 1ntenetto 628 751-16 889-29 2 157 2 632-18 3 555 Provisionsnetto 227 248-8 237-4 713 706 1 948 Nettoresultat av finansiella transaktioner 35 23 52 38-8 95 105-10 150 0 0vriga int 0 1kter netto - 6-8 - 25 12-150 - 2 89-102 130 Int 0 1kter 884 1 014-13 1 176-25 2 963 3 532-16 4 783 Personalkostnader - 176-197 - 11-191 - 8-593 - 569 4-743 0 0vriga kostnader - 307-345 - 11-301 2-988 - 898 10-1 228 Av- och nedskrivningar av tillg 0 2ngar - 15-2 328-99 - 21-29 -2 368-63 - 86 Kostnader - 498-2 870-83 - 513-3 -3 949-1 530 158-2 057 Resultat f 0 2re kreditf 0 2rluster 386-1 856-121 663-42 - 986 2 002-149 2 726 Kapitalvinster och -f 0 2rluster fr 0 2n tillg 0 2ngar 3-6 - 150-1 Kreditf 0 2rluster -2 642-2 641 0-353 -6 985-856 -1 709 R 0 2relseresultat -2 253-4 503-50 310-7 972 1 146 1 017 K/I-tal 0,56 2,83 0,44 1,33 0,43 0,43 Allokerat kapital, miljarder kronor 11,8 11,8 10,8 11,8 10,8 10,8 R 0 1ntabilitet, % -62,9-130,7 10,2-76,0 12,0 8,2 Antal befattningar 3 252 3 285 3 420 3 308 3 412 3 404 Stabiliserad men alltj 0 1mt utmanande ekonomisk situation i Baltikum Fortsatt press p 0 2 r 0 1ntenettot till f 0 2ljd av sjunkande volymer och 0 2kade os 0 1kra l 0 2nefordringar Avtagande tillv 0 1xt f 0 2r oreglerade l 0 2nevolymer Kommentarer till de f 0 2rsta nio m 0 2naderna o 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 5 г 0 9 0 7 0 5 0 5 г 0 1 0 5 0 7 0 5 г 6 4 0 7 0 5 0 5 г 0 5 ~ 0 2 0 4 0 0 6 4 0 2~ 0 5 0 7 0 0 0 3 0 9 0 1 0 1JVUSj 0 9 EOMMOFI 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~ ~ 0 6pb_W 0 5 0 2 0 6 0 7 0 5 0 7 0 2 0 0~ _~ 0 1 0 9 0 0 0 0 0 7 0 5OOVVj 0 9 0 2 0 5 0 7 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 Kf 0 2 0 3 0 9 0 7 0 2~ 0 5 г 0 7 0 4 0 5 0 7 0 2 0 0 0 2 0 5 0 9~ 0 5 0 7 0 0 0 7 0 5NS 0 4 0 3 0 7 0 2 I 0 0 0 7 0 5~ 0 2 0 9 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 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 7 0 2I 0 5 0 7 0 0 0 0 0 7 0 5U 0 4 0 3 0 7 0 2 0 1 0 1 0 5 г 0 1 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 0 7 K a 0 7 ~ 0 1 0 1 0 6~ 0 1 0 0~ 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 Kr 0 2 0 5 0 7 ~ 0 2 ~ J 0 5 0 7 0 7 0 0 0 2 0 7 0 0 0 3 0 9 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 0 2~ 0 1 0 1SVURj 0 9 I 0 6 0 1 0 9 0 7 0 2 0 2 0 7 0 2~ ~ 0 5 0 7 0 4 ~ 0 1~ 0 7 0 5 0 7 0 6 0 7 0 2~ 0 6 0 5 0 0 6 4 0 2 0 0 0 7 0 2~ 0 6 0 5 0 7 0 7 0 0 0 2 0 7 0 6~ VOTMj 0 9 Ko 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 0 0 3 0 9 0 1 0 1JTVTOj 0 9 ENINQSFK o 0 7 0 5 0 1 ~ 0 7 0 2 0 5 0 7 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 6~ 0 5 0 6~ 0 0~ 0 7 0 3 0 2 0 2 0 5 0 7 ~ 0 2 0 5 ~ 0 9 0 6~ ~ 0 1 0 7 Kf 0 2 0 3 0 9 0 7 0 2~ 0 5 г 0 2 0 9 0 0 0 7 0 5NPMj 0 9 0 7 0 1 0 1 0 7 NP 0 4 0 3 0 7 0 2 0 0 0 7 0 1 0 1~ 0 2 0 9 0 6~ ~ 0 1 0 7 0 2I 0 6 0 1 0 9 0 7 0 1 0 1 0 5 0 4 0 5 0 7 0 1 0 2 0 7 0 4 0 5 0 5 0 7 6 4 ~ 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 5NOPj 0 9 K j 0 7 ~ 0 7 0 2~ 0 6 0 5 0 7 0 2 0 2~ 0 0 0 2 0 5 0 9 0 2 0 2 0 0ISTj 0 9 I 0 0 0 3 0 1 0 1 0 7 i ~ 0 7 0 2I 0 5 0 3 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 9 0 0 ~ 0 6 0 5 0 7 0 6 0 3 Kfi 0 7 0 1~ 0 2 0 5I 0 5 г 0 2 0 9 0 3 0 2 0 7 0 2 0 7 0 4 0 0 0 7 0 5QQj 0 9 I 0 5 г 0 0 0 0 ~ 0 5 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 0 0 2 0 5 0 9~ 0 5 0 7 0 2 0 1 6 4 0 2 0 2 0 0 0 5 0 6 0 4 0 1 0 0 0 7 K 0 4 0 6 0 7 0 2 b 0 5 0 1~ 0 2 0 5 0 0 0 2 0 5 0 9~ 0 5 0 7 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 4 0 3 0 5J 0 0~ 0 0 0 2~ 0 1 0 7 0 2 6 4 0 0 0 4 I 0 6 0 1 0 9 0 7 0 1 0 7 0 5 0 5 0 7 0 1 0 1 ~ 0 3 0 2 0 7 0 2 0 7 0 4 0 0 0 7 0 1 0 1~ 0 2 0 9 0 6~ ~ 0 1 0 7 0 2 0 5 г 0 2 0 9 0 0 0 7 0 5NOj 0 9 K^ 0 1 0 1~ 0 7 0 1 0 3 0 2 0 5 0 7 0 2~ 0 5~ 0 4 0 3 0 9 0 5 6 4 6 4 0 6 0 7 0 9~ 0 5 0 2 0 7 0 0~ 0 6 0 1 0 1 0 5 г 0 1 0 5~ 0 6 0 5 г 0 0 0 7 0 6 0 4 0 1 0 0 0 7 ~ 0 6 0 4 0 5 0 3 0 9 ~ 0 5 0 4 0 5 0 2 0 0~ K m 0 7 0 5 0 4 0 2~ 0 1 0 9 0 4 0 5 0 2~ 0 5 0 7 0 2~ 0 6~ ONj 0 9 0 1 0 3 0 0 0 7 0 4 0 3 0 5 г 0 6 0 0~ 0 9 0 4 0 5 0 2~ 0 5 0 7 0 6~ 0 2 0 7 0 0 0 7 0 5PUj 0 9 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 1Km 0 7 0 5 0 4 0 2~ 0 1 0 5 0 9~ 0 2 0 5~ 0 7 0 5 0 3 0 7 ~ 0 5 0 0 0 7 0 5NSU 0 7 0 5 0 4 0 2 0 7 0 5 0 6 0 5 0 4 0 2 0 7 0 2I 0 6 0 1 0 9 0 7 0 2 0 2 0 7 0 2 0 3 ~ ~ 0 2 ~ 0 1 0 7 0 2 0 7 0 5~ 0 2 0 2 0 0~ 0 0 0 2 0 5 0 9~ 0 1 0 1PORO 0 3 0 0 0 5 г 0 0 0 7 0 5PQOM 0 5 г 0 4 0 1 0 6 0 0 6 4 0 2~ 0 5 0 7 0 5 0 7 0 5~ 0 2K o 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 2 0 5 0 7 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 0 4 0 0 0 5~ ~ 0 5 0 7 0 2 6 4 0 5 0 7 0 2 ~ 0 5 0 7 0 3 0 5 0 9~ 0 4 0 3 0 5 0 2 ~ 0 0 0 6 0 5~ 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ K^ 0 2 0 5 0 7 0 1 0 7 0 2 0 0 0 6 0 5~ 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 0 0 0 2 0 5 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 0 0 3 0 9 0 1 0 1OP 0 4 0 3 0 7 0 2 ~ 0 6 0 5 0 7 0 4 ~ 0 1~ 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 0 2~ 0 2 0 5 0 7 0 7 0 5 0 7 0 9 0 6~ ~ 0 1 0 7 K^ 0 6 0 9 0 6~ ~ 0 1 0 7 0 5 0 7 0 5 0 7 0 6 0 7 0 2 0 0~ 6 4OSQOj 0 9 0 6~ NQUVj 0 9 0 7 0 1~ 0 7 ~ 0 5 0 7 0 1 0 1i ~ 0 7 0 2IVQNj 0 9 0 1 0 1i 0 7 0 1~ 0 2 0 5 0 4 0 3 0 5ONOj 0 9 0 1 0 1 b 0 5 0 1~ 0 2 0 5Kp 0 5 0 5 0 4 0 2~ 0 5 г i ~ 0 7 0 2~ 0 6 0 5 0 7 0 0 0 1~ 0 5 ~ 0 0 0 5 г ~ 0 1 0 1 0 7 0 2 0 5 г 0 5 0 3 0 0 ~ 0 5 0 1 0 1 0 0 6 4 0 2 0 0 0 5 0 9 0 6~ 0 1 0 7 0 2 0 4 0 0 0 5~ 0 5 0 0 0 5 0 7 0 5J 0 4 0 3 0 5 ~ 0 2 0 5 0 4 0 5 0 5 0 7 0 9 0 4 0 7 0 2~K 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 2NUK K pb_a 0 7 0 1 6 4 0 5 ~ 0 4 ~ 0 2 ~ 0 7 0 5 0 7 0 7 0 0 0 2 0 7 OMMV NT
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