SEB January June 2013 Results presentation. Telephone conference

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1 SEB January June 2013 Results presentation Telephone conference

2 Highlights Q Higher business activity among large corporates and institutions More full-service retail customers 3 Strong asset quality and capital ratios 2

3 Financial summary Profit and loss (SEK m) Q2-13 Q1-13 % H1-13 H1-12 % Total Operating income 10,648 9, ,199 19,505 4 Total Operating expenses -5,585-5, ,173-11,489-3 Profit before credit losses 5,063 3, ,026 8, Net credit losses etc Operating profit 4,783 3, ,500 7, Operating income by type, Q vs. Q (SEK bn) Q2-13 Q1-13 Q2-13 Q1-13 Q2-13 Q1-13 Q2-13 Q1-13 Net interest income Net fee and commissions Net financial income Net life insurance income 3

4 Net interest income development Net interest income H vs. H (SEK bn) Net interest income type Q Q (SEK bn) Lending Q2-11 Q2-12 Q2-13 Deposits Q2-11 Q2-12 Q2-13 Funding & other H1-12 H1-13 Q2-11 Q2-12 Q2-13 4

5 Net fee and commission income development Net fee and commissions H vs. H (SEK bn) Gross fee and commissions by income type Q Q (SEK bn) Advisory, secondary markets and derivatives Q2-11 Q2-12 Q2-13 Custody and mutual funds Q2-11 Q2-12 Q2-13 Payments, cards, lending, deposits & guarantees H1-12 H1-13 Q2-11 Q2-12 Q2-13 5

6 Net fee and commission income development SEB Group Q2 Q1 Q2 Q2 SEK m Issue of securities and advisory Secondary market and derivatives Custody and mutual funds Whereof performance and transaction fees Wealth Payments, cards, lending, deposits, guarantees and other Whereof payments and card fees Whereof lending Fee and commission income Fee and commission expense Net fee and commission income

7 Net financial income development Net financial income development Q Q (SEK bn) GIIPS NFI Treasury & Other NFI Divisions Q2-11 Q3 Q4 Q1 Q2-12 Q3 Q4 Q1 Q2-13 Daily trading income Q Q (SEK m) Q2-11 Q3-11 Q4-11 Q1-12 Q2-12 Q3-12 Q4-12 Q1-13 Q2-13 7

8 Increased operating leverage Average quarterly income (SEK bn) Average quarterly expenses (SEK bn) Avg 2010 Avg 2011 Avg 2012 Jan-Jun 2013 Avg 2010 Avg 2011 Avg 2012 Jan-Jun 2013 Operating leverage Average quarterly profit before credit losses (SEK bn) Avg 2010 Avg 2011 Avg 2012 Jan-Jun 2013 Notes: Excluding one-offs (restructuring in 2010, and bond buy-back and IT impairment in 2012) Estimated IAS 19 costs in

9 Divisional performance Operating profit H vs. H (SEK bn) 3.8 H H Merchant Banking Retail Banking Wealth Management Life Baltic RoBE 11.9% 20.0% 15.8% 18.1% 11.5% 9

10 Continue building customer franchise 2013 H1 Large Corporate Nordics & Germany New customers Total customers +52 2,152 Commodities Custody Equities DCM FX M&A Lending Trade Cash Fin. Mgmt. SME Sweden New full-service customers Total customers +6, ,100 Private Sweden New full-service customers Total customers +9, ,400 10

11 Merchant Banking franchise growth New clients supporting income growth Contribution in % of MB total customer income % 7% Average product penetration cash management trade finance fund services corporate finance debt capital markets life foreign exchange custody leasing corporate cards relationship lending equities fixed income asset management commodities structured finance 5 4 2% New clients Clients: 84 Clients: 209 Clients: 305 Note: New clients are shown cumulative Now 11

12 Germany Changing business anatomy Operating income Ambition Q2 2010* Retail Banking 47% 12% Wealth Management Then Goal Today C/I % Retail Banking divestment Grow Merchant Banking franchise Restructuring back-office Merchant Banking RoBE 0% 10% 10.2% Operating result (EUR m) Q2 2013* Merchant Banking 83% 17% Wealth Management Merchant Banking Wealth Management * * 12 month rolling average 12

13 Germany Executing on growth plan Preferred bank for targeted German Corporates +155 New customers Since 2010 EUR 1,750m Joint Bookrunner GBP 650m Bookrunner/MLA EUR 4,500m Bookrunner/MLA EUR 475m MLA EUR 400m Bookrunner/MLA EUR 145m Underwriter/ Bookrunner SEB coverage model Custody Equities DCM FX M&A Lending Trade Cash Fin. Mgmt. Key activities going forward Continued customer acquisition and uptiering of existing customers Strengthened capital markets competence and offering Leverage international capabilities through SEB s international network 13

14 Strong asset quality and balance sheet Asset quality Funding and liquidity Capital (SEK) Non-performing loans NPL coverage ratio Net credit loss level Customer deposits Liquidity resources Liquidity coverage ratio CT 1 (Basel 2.5) CET 1 ratio (Basel 3) Jun bn 13.8bn 12.5bn 65% 66% 67% 0.92% 0.08% 0.08% 750bn 862bn 898bn >10% ~25% ~25% N.A. 113% 114% 11.7% 15.1% 16.1% N.A. 13.1% 14.2% 14

15 Key financial ratios Financial targets H Long-term target CET1 Basel III 14.2% vs 13% RoE 12.5% vs 13-15% 15

16 Going forward Clear direction Continued execution A long-term financial partner 16

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