BANK AND FINANCE STATISTICS 2004

Transcription

1 BANK AND FINANCE STATISTICS 004 Published in May 005 Swedish Bankers Association publish annually statistics of the Swedish banking and financial market. The statistics presents the most important companies in the market and their activities. The tables are published at our web-site Contact: Christian Nilsson tel Contents: Basic facts about Swedish banking market Commercial banks The banking market in Sweden The major Swedish banking groups 4 Savings banks 5 Banks operating profits, loan losses and balance sheet total 6 Banks assets and liabilities 7 Banks deposits and lending 8 Mortgage credit institutions 9 Mortgage credit institutions lending 0 Mortgage credit institutions funding Finance companies, bank-owned Corporate finance institutions Insurance companies 4 Fund management companies Swedish Bankers Association

2 Basic facts about the Swedish banking market Mortgage institutions lending Banks Dec 004 to the public, by sector Dec 004 Total number 6 Total lending, SEK billions 00% 69 of which: Swedish commercial banks 6 of which: Households 69% 940 foreign commercial banks Companies 9% 40 foreign banks' branches 9 Local governments % 0 savingsbanks 76 Foreign public 0% cooperative banks Others 0% 6 Bank branch offices Dec 004 Mortgage institutions lending Total number 907 to the public, by security Dec 004 of which: commercial banks 698 Total lending, SEK billions 00% 69 savingsbanks 09 of which: One-familiy dwellings 55% 749 Apartment blocks 9% 400 Bank employees 004 Tenant-owner apartments % 5 Total number Commercial- and office buildings % 8 of which: commercial banks 4 5 Loans to local governments % 7 savingsbanks 0 Others % Internet-bank customers Dec 004 Household financial savings Dec 004 Total number Total portfolio, SEK billions 00% 96 of which: private individuals of which Insurance savings 9% 644 companies Deposits 6% 569 Shares 0% 446 ATMs (Bankomat and Minuten) 004 Mutual funds 8% 90 Total number of ATMs 806 Bonds % 6 Number of transactions, millions 7 Others 4% 84 Transaction amount, SEK billions 84 Household loan from Payments Dec 004 the financial sector Dec 004 Total number of transactions, millions 488 Total loans, SEK billions 00% 86 of which: Checks 0 of which: Mortgage institutions 68% 940 Credit cards 0 Banks % 07 Debit cards 780 Other Credit market institutions 0% 9 Paper-based credit transfers 88 Non paper-based credit transfers 74 Banks market share Dec 004 Direct debit 4 Total deposits from Swedish households, SEK billions 00% 57 Bank deposits from the public Dec 004 of which: FöreningsSparbanken 5,% 5 Total deposits, SEK billions 00% 8 Nordea Bank 9,0% 0 of which: Households 9% 57 Handelsbanken * 5,7% 84 Companies 9% 99 SEB,6% 68 Local governments % 6 SkandiaBanken,9% Foreign public 4% 8 Länsförsäkringar Bank,0% 6 Others 7% 9 Danske Bank, fililal,0% Sparbanken Finn,% 6 Bank lending to the public Dec 004 ICA Banken,0% 5 Total lending, SEK billions 00% 46 Färs & Frosta Sparbank 0,9% 5 of which: Households % 07 Others 5,7% 84 Companies 45% 67 * Inclusive Stadshypotek bank Local governments % Foreign public 9% 40 Others % 4 Swedish Bankers Association Page

3 Commercial banks, December, 004 Swedish banks parent No. of No. of em- Lending to Deposits from Total share- Balance companies, and subsidiaries branches ployees the public the public 4 holders equity sheet total and branches of foreign banks in Sweden in Sweden (SEK m) (SEK m) (SEK m) (SEK m) Handelsbanken SEB Nordea Bank FöreningsSparbanken Danske Bank, branch SkandiaBanken Länsförsäkringar Bank GE Money Bank Dexia Crédit Local, branch ABN AMRO Bank, branch Carnegie Investment Bank Kaupthing Bank Sverige Färs & Frosta Sparbank FöreningsSparbanken Sjuhärad ICA Banken IKANO Banken Sparbanken Gripen Stadshypotek Bank Hypo Real Estate Bank, branch Varbergs Sparbank Sparbanken Skaraborg CitiFinancial Europe, branch Calyon Bank, branch Eskilstuna Rekarne Sparbank Sparbanken Lidköping Resurs Bank Nordnet Securities Bank Tjustbygdens Sparbank Bergslagens Sparbank Toyota Kreditbank, branch FöreningsSparbanken Öland FöreningsSparbanken Söderhamn Vimmerby Sparbank SalusAnsvar Bank DnB NOR Bank, branch Citibank, branch Evli Bank, branch EFG Investment Bank UBS Switzerland Stockholm, branch Banque Invik, branch HSBC Bank, branch UBS UK Stockholm, branch The Royal Bank of Scotland, branch Forex Bank Girozentrale, branch HSH N Bank, branch Deutsche Bank, branch FCE Bank, branch Total Figures not available from the bank. Swedish Bankers Association Page

4 Please note that the figures of the Swedish commercial banks include the parent banks operations in both Sweden and abroad. Operations in subsidiaries are not included in the figures. The figures of the foreign banks branches include only the operations in Sweden. Information on the banks operations in the Swedish market can be found in table The Swedish banking market. Information on the major Swedish banking groups can be found in table The major Swedish banking groups. Footnotes to Table A branch is defined as an autonomous bank branch. Many banks also provide certain banking services through agents like i.e. Svensk Kassaservice, petrol stations and retail stores. Average during the year. Lending to the public (households, companies, local governments etc.). 4 Deposits and funding from the public (households, companies, local governments etc). 5 Nordea Bank is the new mother bank of the Nordea group. The st of March 004 the subsidiary Nordea Bank Sverige merged with the new mother bank. In the other nordic countries Nordea still have subsidiaries. 6 FöreningsSparbanken's (Swedbank's) subsidiary FSB Bolåndirekt Bank was merged into the mother bank from the st of January The bank operates through different brand names, e.g. Östgöta Enskilda Bank, Bohusbanken and Upplandsbanken. 8 Changed name during 004 from GE Capital Bank 9 The bank is partly owned by FöreningsSparbanken (Swedbank) 0 Stadshypotek Bank is a subsidiary to Handelsbanken The legal name of the branch is "Crédit Agricole Stockholm branch to Calyon Bank S.A. France". Changed name during 004 from Crédit Agricole Indosuez Stockholm branch. The Royal Bank of Scotland branch in Sweden was established during February 004. The figures for Forex Bank are from 00. NB. All figures relate to the post year-end situation. Source: Each bank respectively. The banking market in Sweden, end of year Deposits and funding from the public (SEK m) Lending to the public (SEK m) Nordea Bank FöreningsSparbanken Handelsbanken SEB Danske Bank, filial SkandiaBanken Länsförsäkringar Bank Övriga banker Total Including the subsidiary Stadshypotek Bank The bank operates through different brand names, e.g. Östgöta Enskilda Bank, Bohusbanken and Upplandsbanken. Source: Statistics Sweden. Swedish Bankers Association Page 4

5 The major Swedish banking groups, December, 004 No. of em- No. of em- Lending to Deposits from Totalt share- Balance ployees ployees in the public the public 4 holders equity sheet total Sweden (SEK m) (SEK m) (SEK m) (SEK m) Nordea SEB Handelsbanken FöreningsSparbanken Total Including all the subsidiaries (however, do not include mutual insurance companies). Average 00. Lending to swedish and foreign public (households, companies, local governments etc.). Deposits and funding from swedish and foreign public (households, companies, local governments etc.). Exclusive issued securities, etc. Source: Each bank respectively. 4 Savings banks The ten largest No. of No. of em- Lending to Deposits from Capital and Balance savings banks branches employees the public the public 4 reserves sheet total (SEK m) (SEK m) (SEK m) (SEK m) Sparbanken Finn Kristianstads Sparbank Sörmlands Sparbank Sparbanken Nord Sparbanken Alingsås Sparbanken Syd Westra Wermlands Spb Falkenbergs Sparbank Roslagens Sparbank Sparbanken i Enköping Total above Total all savings banks (76) The former savings banks now operating as limited liability banking companies are shown in table Commercial banks. Average during the year. Lending to swedish and foreign public (households, companies, local governments etc.). Deposits and funding from swedish and foreign public (households, companies, local governments etc.). Source: The National Federation of Independent Savings Banks and Sparbanken Finn Swedish Bankers Association Page 5

6 5 Banks operating profits, loan losses and balance sheet total (SEK m) Operating profits Loan losses Balance sheet total All banks that have operated in Sweden during 00 and are under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Also included are foreign owned bank branches operating in Sweden. Swedish credit companies branches abroad are also included. After loan losses Net loan losses Source: Statistics Sweden, Financial Enterprises 6 Banks assets and liabilities, December, 004 Assets SEK billion Per cent Lending to credit institutions 56 0 Lending to the public 45 7 Interest bearing securities Other assets Total Liabilities and equity Liabilities to credit institutions 5 9 Deposits and funding from the public 8 5 Securities issued Other liabilities 6 6 Shareholders' equity 5 Total All banks that have operated in Sweden during the year and are subject to supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Also included are foreign owned bank branches operating in Sweden. Swedish credit companies branches abroad are also included. Lending to swedish and foreign public (households, companies, local governments etc.). Deposits and funding from swedish and foreign public (households, companies, local governments etc.). Source: Statistics Sweden Swedish Bankers Association Page 6

7 7 Banks deposits and lending by sector, end of year (SEK billion) Business sector Local govvernment Households Others Foreign Total Deposits Lending All banks that have operated in Sweden during 00 and are under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Also included are foreign owned bank branches operating in Sweden. Swedish credit comp Deposits and funding from the public (households, companies, local governments etc.). Lending to the public (households, companies, local governments etc.). Source: Statistics Sweden, Financial Enterprises 8 Mortgage credit institutions, December, 004 Outstanding loans Owner SEK million Spintab FöreningsSparbanken Stadshypotek 4 Handelsbanken Nordea Hypotek 4 45 Nordea SEB BoLån SEB SBAB The state Landshypotek 4 84 Landshypotek Länsförsäkringar Hypotek 79 Länsförsäkringar Bank Bokredit i Sverige 6 Danske Bank Loans for residential property, commercial property and local government sector. Include also loans which through securitization have been disposed to so called SPV (Special Purpose Vehicle). Including FöreningsSparbanken Jordbrukskredit Lending from Landshypotek AB including subsidiaries. Source: Financial institutions included in the list. Swedish Bankers Association Page 7

8 9 Mortgage credit institutions lending to the public, SEK billion Distribution by borrower Swedish local governments 0 Swedish non-financial companies Swedish households (including unincorporated enterprises) Other Swedish borrowers Foreign borrowers Total Distribution by purpose (excluding building credits) Private houses Apartment blocks of which tenants co-operative associations Commercial and office buildings Owner-occupied apartments Direct loans to local government sector Other purposes 4 7 Total Does not include loans which through securitization have been disposed to so called SPV (Special Purpose Vehicle). Source: Statistics Sweden, Financial market statistics. 0 Mortgage credit institutions funding, SEK billion Distribution of various types of funding etc Borrowing from Swedish financial institutions, etc Certificates of which in foreign currency Bonds and debenture loans of which private bonds of which in foreign currency Other issues of securities Other liabilities Total Source: Statistics Sweden, Financial market statistics. Swedish Bankers Association Page 8

9 Finance companies, bank-owned, December, 004 Balance Owner sheet total (SEK m) Handelsbanken Finans Handelsbanken Nordea Finans 77 Nordea SEB Finans SEB FöreningsSparbanken Finans 489 FöreningsSparbanken Wasa Kredit 8 6 Länsförsäkringar Bank Nordania Finans 7 Danske Bank Source: Finance companies included in the list. Corporate finance institutions, December, 004 Loans outstanding Owner (SEK m) AB Svensk Exportkredit 57 9 The state Landshypotek AB 5 5 Landshypotek ekonomisk förening Kommuninvest i Sverige AB 4 79 Kommuninvest ekonomisk förening FöreningsSparbanken Jordbrukskredit AB Spintab (FöreningsSparbanken) Svenska Skeppshypotekskassan 6 5 The state Including the subsidiaries Sveriges Allmänna Hypoteksbank, Landshypotek Jordbrukskredit and Lantbrukskredit. Source: Each institute respectively. Swedish Bankers Association Page 9

10 Insurance companies, December, 004 Assets (SEK m) Per cent Skandia 59 6,5 SEB Trygg Liv 5 9, AMF Pension 6 8, Handelsbanken Liv (incl. SPP Liv) 7 5, Länsförsäkringar 7 8 9,6 Folksam (incl. KPA and Förenade Liv) , Robur Försäkring (Swedbank) 4 8,6 Nordea Liv 7 749,5 Salus Ansvar ,5 Danica Fond (Danske Bank) 96 0, Moderna Försäkringar 570 0,0 Others 4 9 0,4 Total ,0 Life insurance, excl. labour market insurance. Source: Swedish Insurance Federation. 4 Fund Management Companies, December, 004 Assets under management (SEK m) Per cent Robur (Swedbank) ,6 SEB Fonder 6 4 5,6 Nordea Fonder ,9 Handelsbanken Fonder (incl. SPP's mutual funds) 5 05,0 Länsförsäkringar Fonder ,9 Skandia Fonder 4 68, Sjunde AP-fonden ,0 Folksams fonder (incl. KPA's mutual funds) 8 887,8 AMF Pension 9 60,9 Banco 70, Others 0 676,6 Total ,0 Sjunde AP-fonden is an authority owned by the state that has been set up to administer two funds within the premium pension system. Source: The newsletter "Fond & bank" Swedish Bankers Association Page 0