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Financial targets

Taken together, our goals contribute to the creation of long-term value. A high level of customer value is a requirement for sustainable profitability. Our focus on cost efficiency gives us the scope for investment required to enable us to remain an attractive bank in the future.

Return on equity

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

The return on equity for the full year 2014 was 15.2 per cent (14.7) for continuing operations. 

Return on equity, continuing operations
 Q1 15Q4 14Q3 14Q2 14Q1 14


Cost efficiency

  • Swedbank should be market leader in cost efficiency. Swedbank's C/I ratio for 2014 was 0.45. 

C/I ratio

 Q1 15Q4 14Q3 14Q2 14*Q1 14

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


Due to continued uncertainty around capital requirements Swedbank's board of Directors has not established a new capital target.

During 2014 Swedbank's Common Equity Tier 1 ratio improved to 21.2 per cent (18.3).

CET1 ratio

 Q1 15Q4 14Q3 14Q2 14*Q1 14

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