First Quarter 2022 Investor Presentation
Corporate & Private Customers
Stable lending growth in corporate segment
Loans to corporates and real estate management, SEK bn
Stable growth in household mortgages
SEK bn
545
549
509
Transferred
382
404 418
449
431
483
459
to PWM&FO
358
Transferred
278
281
220
237
247
to PWM&FO
185 197
143 154 155 160
530
242
2012 2013 2014 2015 2016 2017 2018
2019 2020 2021
Mar
2022
Solid operating profit
Average quarterly operating profit, SEK bn
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 Mar
2022
Steady improvement in efficiency and stable profitability
Business equity (SEK bn)
Return on business equity
-C/I
0.57
60
0.49
0.46
0.48 0.48
0.46
0.46
0.44
0.44
0.45
0.42
2.2
2.1
2.0
1.9
2.0
2.0
1.8
1.8
1.8
40
1.4
22.3%
1.1
21.9% 21.4%
15.2% 15.0%
15.3%
14.8%
20
20
14.7%
13.9%
14.2%
12.5%
2012 2013 2014 2015 2016 2017 2018 2019 2020
2020-2021: Operating profit and ratios restated for changes in organisation and income statement.
Lending voliumes not restated for organisational change.
0
2021
Q1
2022
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 Q1
2022
SEBView entire presentation