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Financial targets

Swedbank’s Board of Directors decided in early 2011 to introduce a profitability target and a capitalisation target. In February 2012 the Board of Directors decided to withdraw its capital target. The Board of Directors will decide on a new target once the regulatory situation is deemed more stable.

Return on equity

  • The return on equity shall amount to at least 15 per cent.

The return on equity for the full year 2013 was 14.7 per cent (15.6). 

Return on equity, continuing operations
 Q3 14Q2 14Q1 14Q4 13Q3 13
%16.616.614.613.616.2

 

Cost efficiency

Swedbank should be market leader in cost efficiency. Swedbank's C/I ratio for 2013 was 0.45, lower than average for Sweden's three other major banks: Nordea, SEB and Handelsbanken. 

C/I ratio

 Q3 14Q2 14*Q1 14Q4 13Q3 13
 %0.410.470.450.460.43

*C/I ratio excluding the acquisition of Sparbanken Öresund was 0.43

Capitalisation

The board of Directors will establish a new capital target once the reulations are in place.

During 2013 Swedbank capital ratios continued to improve.

CET1 capital ratio (Basel 3)*

 Q3 14Q2 14*Q1 14Q4 13Q3 13
%20.720.918.318.318.0

* During the second quarter Swedbank got the approval to for A-IRB for corporate exposures in Sweden and Norway
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