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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, 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

30 Dec

31 Dec

Loans*, private2323242424
  of which mortgage loans2525252526
Deposits, private2121212122
Life insurance 1), new premiums56568
Life insurance 1), premium income67778
Mutual funds2122232425
Loans*, corporate1819191717
Deposits, corporate2019191816
Bank Giro ( Sep 2016)3434343433
Loans*, private4747464646
   of which mortgage loans4646454646
Deposits, private5555545454
Pensions, private4141404142
Loans*, corporate3434343535
Deposits, corporate4341363738
Domestic Payments (Sep 2016)5959595960
International payments (Sep 2016)3232333741
Loans*, private3129292930
  of which mortgage loans (Sep 2016)3432313129
Deposits, private3128282928
Pensions, private4142424140
Loans*, corporate (Dec 2016)1617171717
Deposits, corporate1512121413
Domestic Payments (Jun 2016)5353534042
International payments (Jun 2016)5642121
Loans*, private (Sep 2016)3428282727
  of which mortgage loans (Sep 2016)3327272625
Deposits, private (Sep 2016)4038373740
Pensions, private (Oct 2016)3535353536
Loans*, corporate (Sep 2016)1921232121
Deposits, corporate (Sep 2016)2621222527
Domestic Payments (Sep 2016)4742414042
International payments out (Sep 2016)2726252729

* 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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