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Competition in Swedbank's home markets

In Sweden, Swedbank, Handelsbanken, Nordea and SEB accounted for about 70 per cent of deposits and lending in 2016. Swedbank is biggest in retail banking and has a leading position in lending to private customers (23 per cent), deposits from private customers (21 per cent) and fund management (21 per cent). In the Swedish corporate market the bank’s share was 18 per cent for lending and 20 per cent for deposits at the end of 2016.

The Estonian banking sector is more concentrated than Sweden’s. The market is dominated by foreign companies, with Swedbank, SEB, Luminor (DNB and Nordea) and Danske Bank together controlling around 90 per cent. Swedbank had a market share of 55 per cent for deposits from private customers, 47 per cent for lending and 41 per cent for fund management. In the Estonian corporate market the bank’s share was 34 per cent for lending and 43 per cent for deposits.

Latvia has a more fragmented market where local banks account for 30 to 70 per cent of the various segments. In 2016 Swedbank accounted for 31 per cent of deposits, 41 per cent of fund assets under management and 31 per cent of lending to private customers. In the corporate market the bank’s share was 16 per cent for lending and 15 per cent for deposits.

Like in Sweden, the banking market in Lithuania is dominated by a few major players. Among private customers, Swedbank accounted for 40 per cent of deposits, 37 per cent of fund volumes and 34 per cent of lending. In the corporate market the bank’s share was 19 per cent for lending and 26 per cent for deposits.

Swedbank's market shares on its home markets

Below you will find the market shares on Swedbank's home markets. For more information, please see our annual report and fact book under Financial reports.


Market shares, %

Updated February 2016

31 Dec

31 Dec

31 Dec

31 Dec

 31 Dec

Loans*, private2323232324
  of which mortgage loans2424252525
Deposits, private2020202021
Life insurance 1), new premiums65465
Life insurance 1), premium income66677
Mutual funds2021212223
Loans*, corporate1818202020
Deposits, corporate1717181716
Bank Giro ( Sep 2016)3636343434
Loans*, private4746474746
   of which mortgage loans4646464645
Deposits, private5555555554
Pensions, private4242414140
Loans*, corporate3737343434
Deposits, corporate4743434136
Domestic Payments (Sep 2016)6059595959
International payments (Sep 2016)2019283233
Loans*, private3331312929
  of which mortgage loans (Sep 2016)3734343231
Deposits, private3432312828
Pensions, private4242414242
Loans*, corporate (Dec 2016)1917161717
Deposits, corporate2515151212
Domestic Payments (Jun 2016)5251535351
International payments (Jun 2016)2824182021
Loans*, private (Sep 2016)3534342828
  of which mortgage loans (Sep 2016)3533332727
Deposits, private (Sep 2016)4240403837
Pensions, private (Oct 2016)3737373535
Loans*, corporate (Sep 2016)1918202123
Deposits, corporate (Sep 2016)2725252122
Domestic Payments (Sep 2016)4949484241
International payments out (Sep 2016)2326272625

* Excluding credit institutions, Swedish National Debt Office and repurchase agreements

1) Rolling 12 months. From 2015 market shares are measured as premiums paid (excl. transfer of capital from other insurance companies) instead of premium income.

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