Financials

Reports

Here you find all our interim reports, annual reports and presentations. You can also download our Excel sheet with financial data and key figures.

 ReportPresentationAudio/VideoCapital AdequacyKey data
Jan - Sep Interim reportFileFileFile
Jan - Jun Interim reportFileFileFile
Jan - Mar Interim reportFileFileFile

Key figures

Group

2016

2015

2014

2013

2012

Operating margin, %

31%

36%

31%

30%

24%

Profit margin, %

25%

29%

25%

24%

20%

Investments in equipment, SEK millions*

9.9

11.1

15.2

16.5

13.7

Investments in intangible assets, SEK millions*

46.5

30.1

40.4

13.6

12.8

Of which internal charges for development, SEK millions

21.6

8.1

7.4

5.4

4.3

Marketing expenses, SEK millions

41.5

33.5

38.5

35.1

36.5

Profit after tax per share before dilution, SEK

1.70

2.05

1.58

1.34

1.08

Profit after tax per share after dilution, SEK

1.70

2.04

1.58

1.34

1.08

Cash flow from current operations per average number of shares

22.30

9.89

26.74

11.02

-0.16

Return on assets, %

0.5%

0.6%

0.6%

0.6%

0.6%

Return on equity, %

15%

20%

16%

15%

12%

Equity per share, SEK**

11.35

10.72

9.98

9.26

8.65

Dividend per share

1.00

1.30

1.00

0.85

0.70

Share price, SEK

37.30

41.00

28.20

26.00

16.80

Market capitalisation at end of period, SEK millions

6,529

7,151

4,936

4,551

2,940

Share turnover rate, %

42%

32%

28%

17%

19%

Equity, SEK millions

1,978.9

1,870.1

1,747.6

1,621.0

1,514.0

Capital base, SEK millions

1,295.4

1,244.8

1,270.3

1,205.0

1,091.9

Capital ratio, %

16.7%

15.8%

16.0%

16.6%

18.3%

Average number of shares before dilution

174,393,815

174,950,604

175,027,886

175,027,886

175,027,886

Average number of shares after dilution

174,779,791

175,299,370

175,096,811

175,027,886

175,027,886

Number of outstanding shares at year-end

174,413,807

174,418,830

175,027,886

175,027,886

175,027,886

Number of employees at year-end

405

427

385

330

329

 

 * Excluding aquistion

** Excluding minority

 

Customer-related key figures

 

2016

2015

2014

2013

2012

Number of active customers at the end of the period

566,800

490,400

432,600

394,700

366,600

Number of active accounts at end of period

735,000

627,500

544,600

487,800

444,300

Average savings capital per active account at end of period, SEK

319,300

318,800

305,200

278,810

233,360

Total savings capital at end of period, SEK billions

235

200

166

136

104

Lending including pledged cash and cash equiv alents at end of period, SEK millions

9,516.4

7,278.1

5,785.6

5,455.5

4,737.3

Lending excluding pledged cash and cash equiv alents at end of period, SEK millions

9,210.8

7,055.7

5,806.2

5,455.5

4,737.3

Lending/deposits, %

33%

31%

27%

32%

37%

Number of trades per year

22,931,500

19,831,700

14,642,500

13,565,700

12,739,100

Number of trades per trading day

91,400

80,000

59,281

54,700

51,161

Number of trades per active trading account per year

37.2

37.4

32.0

32.9

33.6

Number of trades per active trading account per month

3.1

3.1

2.7

2.7

2.8

Average net brokerage income per deal closed, SEK

20

24

25

24

22

Average net brokerage per trading day, SEK

2,562,100

2,716,400

2,146,000

1,925,300

1,721,200

Annual income/average savings capital, %

0.6%

0.6%

0.7%

0.8%

0.9%

Average annual income per account, SEK

1,755

2,112

2,099

2,118

2,150

Average annual operating expense per account, SEK

-1,173

-1,262

-1,348

-1,391

-1,539

Average annual profit per account, SEK

582

850

751

727

611

Five-year summary

Income statements, SEK thousands

2016

2015

2014

2013

2012

Net interest income

403,174 417,926

478,573

482,421

520,585

Net commission

589,845 624,653

478,217

403,330

344,205

Net result of financial transactions

151,518 147,193

86,445

65,287

31,721

Other income

51,486 59,641

42,675

37,948

41,909

Total operating income

1,196,023 1,249,413

1,085,910

988,986

938,420

Operating expenses

-799,191 -759,433

-705,858

-656,235

-666,537

Credit losses

-29,098 -41,333

-43,074

-38,756

-44,690

Operating result

367,734 448,647

336,978

293,995

227,193

Tax

-70,688 -91,506

-60,343

-60,150

-38,267

Income for the year

297,046 357,141

276,634

233,845

188,926

 

Balance sheets, SEK thousands

2016

2015

2014

2013

2012

Cash and balances in Central Banks

436,419 –   –

Loans to credit institutions

329,405  294,691

987,472

967,567

1,464,951

Loans to the general public

9,516,392  7,278,083

5,785,566

5,455,533

4,737,333

Assets in the insurance business

41,684,655  35,995,138

28,868,478

23,764,928

18,961,654

Other assets

18,483,732  16,645,382

14,484,947

9,506,197

6,227,967

Total assets

70,450,243  60,213,294

50,126,464

39,694,225

31,391,905

Loans to credit institutions

 369,529

Deposits and borrowing from the general public

24,426,599 7,278,083

5,806,242

5,455,533

4,737,333

Liabilities in the insurance business

41,685,918  35,996,211

28,869,319

23,765,601

18,962,253

Other liabilities

2,358,841  2,341,211

3,005,707

1,404,674

427,941

Total liabilities

68,471,358  58,339,327

48,375,342

38,068,844

29,877,934

Total equity

1,978,885  1,873,966

1,751,122

1,625,381

1,513,971

Total equity and liabilities

70,450,243  60,213,294

50,126,464

39,694,225

31,391,905

 

Definitions

Active customer is a physical person or legal entity holding at least one active account.

Active accounts are the accounts with holding or credit commitment.

Average number of shares after dilution A weighted average of shares outstanding over the year plus potential new shares in accordance with IAS 33.

Average number of shares before dilution A weighted average of shares outstanding over the year in accordance with IAS 33.

Borrowing Borrowing including borrowing attributable to liabilities in the insurance business.

Cost coverage is non-transaction-related income relative to costs. It is calculated as the operating income excluding transaction-related net commission in relation to operating expenses.

Earnings per share before and after dilution Profit for the year in relation to the average number of shares over the period before and after dilution.

Equity per share Equity in relation to the number of shares at the end of the period.

Net commission income is the commission income per trade, less commission expenses and non-transaction related net commission income.

Net commission per trade is total net commission income divided by total number of trades during the period.

Net savings are deposits, less withdrawals, of cash and cash equivalents and securities. The level of net savings says a lot about the savers’ overall confidence in the marketplace. In times of rising stock markets, net savings tend to increase, while they fall short in a dull market climate.

Market capitalisation The number of outstanding shares multiplied by the share price.

Operating expenses Expenses for operations, excluding credit losses and and impairment of goodwill.

Operating margin Operating profit in relation to operating income.

Profit margin Profit for the year in relation to operating income.

Return on equity Profit for the year in relation to average equity over the period.

Return on assets Profit for the year in relation to average total assets.

Total savings capital is the total amount of cash and cash equivalents and value of securities for all active accounts. The level is primarily affected by the general stock market development and net savings.

Trade is a registered transaction on the stock exchange or in the marketplace and is the key driver in the commission income. In times of market turbulence or a long-term positive stock market performance, the level tends to increase. Orders placed may sometimes involve several trades.

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