Strategy 2030: Investments to Future-Proof SEB
66
Corporate & Private Customers
Stable lending growth in corporate segment
Loans to corporates and real estate management, SEK bn
278
290
220
237 247
185 197
143 154 155 160
Trans-
ferred
to
PWM&
250 FO
Stable growth in household mortgages
SEK bn
545 551
509
Trans-
382
404 418
431
449
483
459
ferred
to
358
PWM&
FO
530
2012 2013 2014 2015 2016 2017 2018
2019 2020 2021
YTD
2022
2012 2013 2014 2015 2016 2017 2018
2019 2020 2021
YTD
2022
Solid operating profit
Average quarterly operating profit, SEK bn
Steady improvement in efficiency and stable profitability
Business equity (SEK bn)
Return on business equity
C/I
0.57
60
0.49
2.2
0.46
0.48 0.48
0.46 0.46
2.1
0.44
0.42
0.44
2.0
1.9
2.0
2.0
2.0
0.40
1.8
1.8
40
1.4
22.3%
1.1
21.9% 21.4%
15.2% 15.0%
15.3%
14.8%
14.7%
20
13.9%
14.2%
15.5%
0
2012
2013 2014 2015 2016 2017
2018 2019 2020
2021
YTD
2022
2020-2021: Operating profit and ratios restated for changes in organisation and income statement.
Lending voliumes not restated for organisational change.
2014-2015 restated following the new organisational structure as of 1 Jan 2016. As a result, 2012-
2013 figures are not comparable.
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 YTD
2022
SEBView entire presentation