| Profit trend |
|
|
|
| SEKm |
2008 |
2007 |
2006 |
| Net interest income |
11 840 |
11 701 |
11 468 |
| Net commission income |
4 078 |
4 504 |
4 174 |
| Net gains and losses on financial items at fair value |
897 |
335 |
408 |
| Share of profit or loss of associates |
443 |
331 |
230 |
| Other income |
1 009 |
807 |
667 |
| Total income |
18 267 |
17 678 |
16 947 |
| Staff costs |
3 947 |
3 954 |
3 847 |
| Profit-based staff costs |
335 |
342 |
177 |
| IT costs |
873 |
892 |
830 |
| Other general and administrative expenses |
3 817 |
3 728 |
3 719 |
| Depreciation/amortisation |
109 |
84 |
125 |
| Total expenses |
9 081 |
9 000 |
8 698 |
| Profit before loan losses |
9 186 |
8 678 |
8 249 |
| Loan losses, net |
594 |
71 |
–499 |
| Operating profit |
8 592 |
8 607 |
8 748 |
| Tax expense |
2 156 |
2 413 |
2 436 |
| Profit for the period |
6 436 |
6 194 |
6 312 |
| Profit for the period attributable to: |
|
|
|
| Shareholders of Swedbank AB |
6 425 |
6 182 |
6 314 |
| Minority interest |
11 |
12 |
–2 |
| Share of Group profit, % |
52 |
52 |
58 |
| Income items |
|
|
|
| Income from external customers |
16 779 |
15 802 |
15 038 |
| Income from transactions with other business areas |
1 488 |
1 876 |
1 909 |
| Business volumes, SEKbn |
|
|
|
| Lending |
933 |
867 |
762 |
| Deposits |
337 |
317 |
267 |
| Mutual funds and insurance |
189 |
251 |
255 |
| Other investment volume |
24 |
25 |
19 |
| Shares and participations in associates |
2 |
2 |
2 |
| Risk-weighted assets, old rules |
705 |
623 |
536 |
| Total assets |
1 173 |
972 |
840 |
| Total liabilities |
1 143 |
943 |
809 |
| Allocated equity (annual average), SEKm |
29 526 |
26 658 |
28 270 |
| Full-time positions |
5 999 |
6 236 |
6 239 |
| Key ratios |
|
|
|
| Return on allocated equity, % |
21,8 |
23,2 |
22,3 |
| C/I ratio |
0,50 |
0,51 |
0,51 |
| Loan loss ratio |
0,06 |
0,01 |
–0,07 |
| Share of impaired loans |
0,14 |
0,06 |
0,08 |
