Key data

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Key figures

Group

2015

2014

2013

2012

2011

Operating margin, %

36%

31%

30%

24%

32%

Profit margin, %

29%

25%

24%

20%

25%

Investments in equipment, SEK millions*

11.1

15.2

16.5

13.7

15.0

Investments in intangible assets, SEK millions*

30.1

40.4

13.6

12.8

10.4

Of which internal charges for development, SEK millions

8.1

7.4

5.4

4.3

3.0

Marketing expenses, SEK millions

33.5

38.5

35.1

36.5

49.5

Profit after tax per share before dilution, SEK

2.05

1.58

1.34

1.08

1.54

Profit after tax per share after dilution, SEK

2.04

1.58

1.34

1.08

1.54

Cash flow from current operations per average number of shares

9.89

26.74

11.02

-0.16

13.62

Return on equity, %

20%

16%

15%

12%

20%

Equity per share, SEK**

10.72

9.98

9.26

8.65

8.17

Dividend per share

1.30

1.00

0.85

0.70

0.65

Share price, SEK

41.00

28.20

26.00

16.80

15.60

Market capitalisation at end of period, SEK millions

7,151

4,936

4,551

2,940

2,730

Share turnover rate, %

32

28

17

19

19

Equity, SEK millions

1,870.1

1,747.6

1,621.0

1,514.0

1,429.3

Capital base, SEK millions

1,244.8

1,270.3

1,205.0

1,091.9

977.9

Capital ratio, %

15.8

16.0

16.6

18.3

15.8

Average number of shares before dilution

174,950,604

175,027,886

175,027,886

175,027,886

175,027,886

Average number of shares after dilution

175,299,370

175,096,811

175,027,886

175,027,886

175,027,886

Number of outstanding shares at year-end

174,418,830

175,027,886

175,027,886

175,027,886

175,027,886

Number of employees at year-end

427

385

330

329

330

* Excluding aquistion

** Excluding minority

 

Customer-related key figures

 

2015

2014

2013

2012

2011

Number of active customers at the end of the period

490,400

432,600

394,700

366,600

344,000

Number of active accounts at end of period

627,500

544,600

487,800

444,300

405,500

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

318,800

305,200

278,810

233,360

221,355

Total savings capital at end of period, SEK billions

200

166

136

104

90

Lending at end of period, SEK millions

7,278.1

5,785.6

5,455.5

4,737.3

4,629.7

Lending/deposits, %

31%

27%

32%

37%

33%

Number of trades per year

19,831,700

14,642,500

13,565,700

12,739,100

15,311,500

Number of trades per trading day

80,000

59,281

54,700

51,161

60,760

Number of trades per active trading account per year

37.4

32.0

32.9

33.6

37.8

Number of trades per active trading account per month

3.1

2.7

2.7

2.8

3.1

Average net brokerage income per deal closed, SEK

24

25

24

22

26

Average net brokerage per trading day, SEK

2,716,400

2,146,000

1,925,300

1,721,200

2,287,500

Annual income/average savings capital, %

0.6%

0.7%

0.8%

0.9%

1.1%

Average annual income per account, SEK

2,112

2,099

2,118

2,150

2,794

Average annual operating expense per account, SEK

-1,262

-1,348

-1,391

-1,539

-1,918

Average annual profit per account, SEK

850

751

727

611

876

Five-year summary

Income statements, SEK thousands

2015

2014

2013

2012

2011

Net interest income

417,926

478,573

482,421

520,585

547,284

Net commission

624,653

478,217

403,330

344,205

460,271

Net result of financial transactions

147,193

86,445

65,287

31,721

31,601

Other income

59,641

42,675

37,948

41,909

45,081

Total operating income

1,249,413

1,085,910

988,986

938,420

1,084,237

Operating expenses

-759,433

-705,858

-656,235

-666,537

-691,836

Credit losses

-41,333

-43,074

-38,756

-44,690

-40,941

Operating result

448,647

336,978

293,995

227,193

351,460

Tax

-91,506

-60,343

-60,150

-38,267

-81,311

Income for the year

357,141

276,634

233,845

188,926

270,149

 

Balance sheets, SEK thousands

2015

2014

2013

2012

2011

Loans to credit institutions

 294,691

987,472

967,567

1,464,951

1,837,774

Loans to the general public

 7,278,083

5,785,566

5,455,533

4,737,333

4,629,692

Assets in the insurance business

 35,995,138

28,868,478

23,764,928

18,961,654

16,463,478

Other assets

 16,645,382

14,484,947

9,506,197

6,227,967

6,131,321

Total assets

 60,213,294

50,126,464

39,694,225

31,391,905

29,062,265

Liabilities to credit institutions

 369,529

Deposits and borrowing from the general public

 19,605,376

16,500,316

12,898,569

10,487,740

10,708,413

Liabilities in the insurance business

 35,996,211

28,869,319

23,765,601

18,962,253

16,464,685

Other liabilities

 2,341,211

3,005,707

1,404,674

427,941

459,893

Total liabilities

 58,339,327

48,375,342

38,068,844

29,877,934

27,632,991

Total equity

 1,873,966

1,751,122

1,625,381

1,513,971

1,429,274

Total equity and liabilities

 60,213,294

50,126,464

39,694,225

31,391,905

29,062,265

 

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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Acting Chief Financial Officer
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Johan Tidestad
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Emelie Ahlin Andersson
Investor relations