Bank- and finance statistics 2011

Transcription

1 Bank- and finance statistics 2011 Published in September Regeringsgatan 38, Box 7603 SE Stockholm t: +46 (0) Contakt person: Christian Nilsson Phone:

2 Contents Basic facts about Swedish banking market 3 Commercial banks 4 Deposit- and credit market in Sweden 6 The major Swedish banking groups 7 Savings banks 7 Banks operating profits, loan losses 8 and balance sheet total Banks assets and liabilities 9 Banks deposits and lending 10 Residential lending to the public 11 Corporate finance institutions 11 Insurance companies 10 Fund management companies 12 Index Linked Bonds 12 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 website Tables in the publication not yet updated are shadowed. Bank- and finance statistic

3 Basic facts about the Swedish banking market Banks 31 Dec Dec 11 Total number of which: Swedish commercial banks foreign commercial banks 3 3 foreign banks branches savings banks cooperative banks 2 2 Bank branch offices 31 Dec Dec 11 Total number of which: commercial banks of which cashless branches(* savings banks (*Not completely comparable figures between 2010 and 2011 Bank employees Total number of which: commercial banks savings banks ATMs (Autom. Teller Machines) Total number of ATMs Number of transactions, millions Transaction amount, SEK billions (Point of Sale) Card terminals Number of terminals Number of transactions, millions Transaction amount, SEK billions Payments Tot. number of transactions, millions of which: Checks 0 0 Credit cards Debit cards Paper-based credit transfers Non paper-based credit transfers Direct debit Number of cards (w. payment function) Total number, millions 17,3 20,3 of which: debit cards 8,5 10,0 credit cards and other cards 8,7 10,3 E-invoice, private customers Number of E-invoices, millions 46,7 60,2 Share of internet payments, private 14% 17% Bank deposits from the public 31 Dec 11 Total deposits, SEK billions 100% of which: Households 42% Companies 24% 671 Local governments 2% 68 Foreign public 25% 691 Others 8% 216 Bank lending to the public 31 Dec 11 Total lending, SEK billions 100% of which: Households 28% 866 Companies 37% Local governments 2% 68 Foreign public 29% 884 Others 3% 105 Total residential lending to the public by collateral 31 Dec 11 Total lending, SEK billions 100% of which: One-familiy dwellings 58% Tenant-owner apartments 20% 555 Apartment blocks 22% 592 Mortgage institutions lending distributed by initial interest rate period New loans during the period variable interest rate 69% 54% fixed 1-5 years 24% 41% fixed >5 years 7% 5% Household financial savings 31 Dec 11 Total portfolio, SEK billions 100% of which: Deposits 39% Insurance savings 23% 707 Shares 14% 435 Mutual funds 17% 521 Bonds 4% 119 Others 3% 89 Household loan from the financial sector, by collateral 31 Dec 11 Total loans, SEK billions 100% of which: One-familiy dwellings 60% Tenant-owner apartments 21% 551 Other property 9% 233 Unsecured credits 7% 185 Financial instruments 1% 16 Guarantees 0% 5 Other collateral 3% 72 Bank- and finance statistic

4 Commercial banks, December 31, 2011 Swedish banks parent No. of -of which No. of em- Lending to Deposits fr. Total share- Balance companies, and subsidiaries branches 1 cashless ployees 2 the public 3 the public 4 holders equity sheet total and branches of foreign banks in Sweden branches in Sweden (SEK m) (SEK m) (SEK m) (SEK m) Svenska Handelsbanken SEB Nordea Bank Swedbank Danske Bank, branch SBAB Bank DNB Bank, branch Länsförsäkringar Bank SkandiaBanken Volvofinans Bank Sparbanken Öresund GE Money Bank IKANO Bank Färs & Frosta Sparbank Nordnet Bank Swedbank Sjuhärad Avanza Bank Santander Consumer Bank, branch ICA Banken Varbergs Sparbank Carnegie Investment Bank Marginalen Bank Sparbanken Alingsås Sparbanken Skaraborg Resurs Bank Sparbanken Rekarne Forex Bank Crédit Agricole CIB, branch Sparbanken Lidköping The Royal Bank of Scotland, The Netherlands, branch Fortis Bank, branch Sparbanken Eken Toyota Kreditbank, branch Tjustbygdens Sparbank Bergslagens Sparbank Ölands Bank Sparbanken Göinge MedMera Bank J.P. Morgan Europe, branch OK-Q8 Bank Erik Penser Bankaktiebolag Vimmerby Sparbank Renault Finance Nordic, branch Saxo Privatbank, branch Parex Sverige, branch Citadele Banka Aareal Bank AG, branch UBS Switzerland Stockholm, branch The Royal Bank of Scotland UK, branch Evli Bank, branch Standard Chartered Bank, branch UBS UK Stockholm, branch Banque Invik, branch Citibank International, branch Credit Suisse, branch Deutsche Bank, branch EFG Bank J.P. Morgan Securities, branch Northern Trust Global Services, branch Nykredit Bank, branch Terra Kortbank, branch Western Union Internat. Bank, branch Ålandsbanken, branch Total Bank- and finance statistic

5 Please note that the figures of the Swedish commercial banks include the parent banks operations in both Sweden and abroad, except for the figures on branches and employees which only refers to Sweden. 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 2 Deposit and credit market. Information on the major Swedish banking groups can be found in table 3 The major Swedish banking groups... Figures not available from the bank. Footnotes to Table 1 1 A branch is defined as an autonomous bank branch. Many banks also provide certain banking services through agents like i.e. petrol stations and retail stores. 2 Average during the year. 3 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 mother bank of the Nordea group and includes mainly the Swedish business of Nordea. Nordea s businesses in the other Nordic countries are included in separate subsidiaries and not in the mother bank. 6 A subsidiary to SBAB Bank is The Swedish Covered Bond Corporation (SCBC) which primary operations comprise the issuance of covered bonds secured on residential lending. SCBC does not pursue any own lending activities but instead acquires loans primarily from SBAB Bank. A large share of SBAB Bank s lending is in this way transferred to SCBC. 7 Employees of Länsförsäkringar Bank do not include bank employees at the regional Länsförsäkringarinsurance companies bank branches. Länsförsäkringar Bank has cashless branch offices only, but offer cash services through a cooperation with Forex Bank. 8 The figures of the parent company GE Money Bank AB includes also the bank s branches in Norway and Denmark. 9 The bank is partly owned by Swedbank. 10 The legal name of the branch is Crédit Agricole Corporate and Investment Bank. 11 The legal name of the branch is Renault Finance Nordic Bank branch to RCI Banque SA France. 12 The legal name of the branch is Credit Suisse International, (UK) Bank Sweden Branch. 13 The branch started its operation in Sweden during The branch started its operation in Sweden during Since last year following institutions are no more registered as banks at Finansinspektionen: Bank of Scotland plc, branch NB. All figures relate to the post year-end situation. Source: Each bank respectively. Bank- and finance statistic

6 Deposit- and credit market in Sweden, end of year Deposit and funding from Swedish households and non-financial companies (Million SEK) Danske Länsför- Other Other Swed Handels- Bank, säkringar Skandia- Other mortgage credit bank 1 banken 2 Nordea 3 SEB 4 branch Bank banken banks 5 inst. inst. 6 Total Lending to Swedish households and non-financial companies (Million SEK) Danske Länsför- Other Other Swed Handels- Bank, säkringar Skandia- Other mortgage credit bank 1 banken 2 Nordea 3 SEB 4 branch Bank banken banks 5 inst. inst. 6 Total Includes deposits and lending from Swedbank, Swedbank Finans, Swedbank Hypotek, FSB Bolåndirekt Bank (until 2003) and Entercard. 2 Includes deposits and lending from Handelsbanken, Handelsbanken Finans, Stadshypotek, Handelsbanken Hypotek (until 2002) and Stadshypotek Bank (until 2006). 3 Includes deposits and lending from Nordea Bank, Nordea Finans and Nordea Hypotek. 4 Includes deposits and lending from Skandinaviska Enskilda Banken, SEB Finans (until 2006) and SEB Bolån (until 2006). 5 Commercial banks, savings banks and foreign banks branches in Sweden. 6 Fincance companies and other credit institutions. Source: SCB Bank- and finance statistic

7 The major Swedish banking groups 1, December 31, 2011 No. of em- No. of em- Lending to Deposits from Totalt share- Balance ployees 2 ployees in the public 3 the public 4 holders equity sheet total Sweden (SEK m) (SEK m) (SEK m) (SEK m) Nordea Handelsbanken SEB Swedbank Total Including all the subsidiaries (however, do not include mutual insurance companies). 2 Average during the year. 3 Lending to swedish and foreign public (households, companies, local governments etc.). 4 Deposits and funding from swedish and foreign public (households, companies, local governments etc.). Exclusive issued securities, etc. Source: Each bank respectively. Savings banks The ten largest No. of No. of em- Lending to Deposits from Capital and Balance savings banks branches employees 2 the public 3 the public 4 reserves sheet total (SEK m) (SEK m) (SEK m) (SEK m) Sparbanken Sparbanken Nord Sörmlands Sparbank Sparbanken Syd Falkenbergs Sparbank Sparbanken i Karlshamn Westra Wermlands Sparbank Roslagens Sparbank Orust Sparbank Sparbanken Västa Mälardalen Total above Total all savings banks (49) The former savings banks now operating as limited liability banking companies are shown in table 1 Commercial banks. 2 Average during the year. 3 Lending to swedish and foreign public (households, companies, local governments etc.). 4 Deposits and funding from swedish and foreign public (households, companies, local governments etc.). Source: The National Federation of Independent Savings Banks and Sparbanken Syd. Bank- and finance statistic

8 Banks operating profits 1, loan losses and balance sheet total (SEK m) Operating of which dividends Loan Balance profits 2 from group companies losses 3 sheet total All banks that have operated in Sweden during the year 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. 2 After loan losses 3 Net loan losses Source: Statistics Sweden, Financial Enterprises Bank- and finance statistic

9 Banks assets and liabilities 1, end of year Assets, Billion SEK Ultimo Lending to Lending to financial Securities other Shares and Other December the public 2,3 institutions than shares other equities Derivatives Assets Total Liabilities and equity, Billion SEK Ultimo Deposits from Deposits from the Securities Other December the public 4 financial sector etc. issued Derivatives liabilities Equity 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. 2 Lending to swedish and foreign public (households, companies, local governments etc.). 3 The increase in lending to the public during 2007 is partly due to that SEB Bolån (mortgage institution) and SEB Finans (financing institution) were merged into the mother bank SEB during Deposits and funding from swedish and foreign public (households, companies, local governments etc.). Source: Statistics Sweden Bank- and finance statistic

10 Banks deposits and lending 1 by sector, end of year (SEK billion) House- Business Public holds 3 sector 3 sector Foreign Others Total Lending 4 House- Business Public holds 3 sector 3 sector Foreign Others Total All banks that have operated in Sweden during the year and are under the supervision of the Swedish Financial Supervisory Authority (Finansinspektionen). Also included are foreign owned bank branches operating in Sweden. 2 Deposits and funding from the public (households, companies, local governments etc.). 3 The increase in lending to households and business sector during 2007 is partly due to that SEB Bolån (mortgage institution) and SEB Finans (financing institution) were merged into the mother bank SEB during Lending to the public (households, companies, local governments etc.). Source: Statistics Sweden, Financial Markets Statistics Bank- and finance statistic

11 Residential lending 1 to the public, end of year SEK Billions One-family Tenant-owned By collateral homes apartments Multi-family homes Totalt Lending from Monetary Financial Institutions (banks, mortgage institutions, etc.) by collateral. Includes all residential lending, both first and second mortgages. Source: Statistics Sweden Corporate finance institutions, December 31, 2011 Loans outstanding (SEK millions) Owner AB Svensk Exportkredit The state Kommuninvest i Sverige AB Kommuninvest ekonomisk förening Landshypotek AB Landshypotek ekonomisk förening Svenska Skeppshypotekskassan The state 1 Including the subsidiaries Landshypotek Jordbrukskredit and Lantbrukskredit. Source: Each institute respectively. Insurance companies 1, December 31, 2011 Assets (SEK m) Per cent Alecta ,6 Skandia ,1 AMF Pension ,4 SEB Trygg Liv ,4 Folksam (inkl. KPA och Förenade Liv) ,7 Länsförsäkringar ,5 SPP Liv ,5 Swedbank Försäkring ,0 Handelsbanken Liv ,4 Nordea Liv ,8 Avanza Pension ,2 Danica Pension (Danske Bank) ,0 Others ,5 Total ,0 1 Life insurance, excl. labour market insurance. Source: Insurance Sweden Bank- and finance statistic

12 Fund Management Companies, December 31, 2011 Assets under management (SEK m) Per cent Swedbank Robur ,8 SEB Fonder ,6 Nordea Fonder ,5 Handelsbanken Fonder ,1 Sjunde AP-fonden ,9 Länsförsäkringar Fonder ,7 AMF Pension ,3 Skandia ,2 SPP Fonder ,1 Brummer & Partners ,8 Others ,0 Total ,0 1 Sjunde AP-fonden (AP7) is a state authority which manages premium pension asset through their funds. AP7 s funds are included in the Swedish Pension Agency s default option fund AP7 Såfa. Source: The newsletter Fond & bank Index Linked Bonds, Dec. 31, 2011 Issued volumes through the year (SEK millions) Per cent The Royal Bank of Scotland ,0 Nordea ,8 Swedbank ,7 Svenska Handelsbanken ,7 SEB ,6 UBS ,6 Morgan Stanley ,7 Goldman Sachs International ,7 ING Bank ,2 Société Générale Acceptance 853 2,0 Others ,0 Totalt Source: The newsletter Fond & bank Bank- and finance statistic