Strategy 2030: Investments to Future-Proof SEB
SEB-a leading northern European bank with
international reach
Norway
Finland
Sweden
St. Petersburg
Estonia
Latvia
Denmark Lithuania
New York
United
Dublin Kingdom
Netherlands Warsaw
Germany
New Delhi
Luxembourg
Kyiv
Beijing
Shanghai
Hong Kong
Switzerland Austria
Kuala Lumpur
Nice
Singapore
Key financials
YTD 2022 (FY 2021)
São Paulo
Operating profit by division¹
2021
Net ECL level
C/I ratio
8%
8%
7bps (2)
0.40 (0.42)
11%
CET1 ratio
Return on equity
3%
18.1% (19.7)
13.5% (13.9)
4
1 Business divisions excluding Group functions and eliminations
29%
•
·
Unique customer base and leading market positions
Engaged and long-term focused shareholder base
Profitable growth through diversified business model
•
Strong capital and liquidity position
•
Solid credit rating: AA- / Aa3 / A+ with stable outlook (Fitch/Moody's/S&P)
Credit portfolio by segment
30 Sep 2022
9%
7%
42%
■ Corporates
■Commercial real estate
■ Residential real estate
■ Household mortgages & BRF
Household other
■Large Corporates & Financial Institutions
Corporate & Private Customers
41%
I Private Wealth Mgmt & Family Office
Baltic
29%
Life
Investment Mgmt
7% 6%
Public admin & banks
SEBView entire presentation