Five Year Summary

Below you will find Länsförsäkringar Bank Group's Income Statement, Balance Sheet and Key Figures from the last five years.

 Download an Excel file with the Five Year Summary data

Income Statment, SEK M 2016 2015 2014 2013 2012
Net interest income 3 454,8 2 994,3 2 580,4 2 230,4 2 071,1
Net commission -567,5 -440,9 -319,4 -252,9 -384,9
Net gains/losses from financial items 68,4 96,6 97,8 -85,7 5,4
Other operating income 117,1 97,3 92,1 211,9 190,3
Total operating income 3 072,9 2 747,3 2 450,9 2 103,7 1 1881,9
Staff costs -469,8 -462,0 -441,1 -426,6 -396,6
Other administration expenses - 1 021,7 -980,2 -876,2 -789,7 -736,7
Depreciation/amortisation and impairment of property and equipment and intangible assets -76,3 -124,1 -209,0 -114,2 -101,6
Total operating expenses - 1 567,9 -1 566,3 -1 526,3 -1 330,6 -1 234,9
Profit before loan losses 1 505,0 1 181,0 924,6 773,2 646,6
Loan losses, net -37,6 -6,1 10,0 -126,4 -91,3
Operating profit 1 467,3 1 174,9 934,6 646,8 555,3
Tax -330,8 -263,8 -222,8 -168,0 -122,6
Net profit for the year 1 136,6 911,1 711,9 478,8 432,7

 

Balance Sheet 2016 2015 2014 2013 2012
Assets 2 016,0 2 015,0 2 014,0 2 013,0 2 012,0
Cash and balances with central banks 21,6 21,5 25,8 108,5 109,4
Treasury bills and other eligible bills 7 794,4 8 824,0 5 409,3 4 881,4 5 222,3
Loans to credit institutions 280,2 502,7 1 789,6 5 957,9 2 852,9
Loans to the public 226 705,0 201 964,4 179 424,3 162 003,2 149 941,9
Bonds and other interest-bearing securities 32 421,5 31 991,3 36 104,1 35 200,6 32 684,7
Shares and participations 25,4 15,5 11,7 88,9 11,0
Derivatives 5 554,3 4 414,4 5 257,6 1 337,7 1 874,8
Fair value changes of interest-rate-risk hedged items in portfolio hedge 635,9 815,3 1 146,5 550,8 878,1
Intangible assets 488,3 306,2 309,6 397,1 445,8
Other assets 515,6 528,1 456,7 591,9 580,1
Prepaid expenses and accrued income 1 508,9 1 696,1 2 245,0 2 601,5 2 558,2
Total assets 275 951,1 251 079,5 232 180,2 213 719,5 197 159,2
Liabilities and equity          
Due to credit institutions 3 872,8 2 954,2 3 390,1 1 860,6 1 062,9
Deposits and funding from the public 91 207,1 83 924,8 76 789,7 69 220,0 62 396,3
Debt securities in issue 155 999,5 139 882,1 128 656,4 123 634,9 114 263,3
Derivatives 1 643,6 2 394,2 2 591,7 2 780,3 3 104,0
Fair value changes of interest-rate-risk hedged items in portfolio hedge 3 191,4 2 899,4 3 824,4 645,9 2 176,6
Deferred tax liabilities 421,6 296,0 214,2 143,7 82,9
Other liabilities 607,5 705,8 783,4 755,8 1 300,4
Accrued expenses and deferred income 3 229,8 3 666,4 4 033,6 4 090,2 4 112,2
Subordinated liabilities 2 595,4 2 299,7 2 299,7 2 299,7 1 489,7
Equity 13 182,3 12 056,9 9 597,0 8 288,4 7 170,9
Total liabilities and equity 275 951,1 251 079,5 232 180,2 213 719,5 197 159,2

 

Key figures 2016 2015 2014 2013 2012
Return on equity, % 10,1 8,9 8,3 6,7 6,3
Return on total capital, % 0,54 0,48 0,42 0,31 0,30
Investment margin, % 1,28 1,22 1,15 1,06 1,11
Cost/income ratio before loan losses 0,51 0,57 0,62 0,63 0,66
Common Equity Tier 1 capital ratio, Bank Group, % 24,80 23,70 16,20 - -
Tier 1 ratio, Bank Group, % 27,50 26,60 16,20 - -
Total capital ratio, Bank Group, % 33,40 32,00 20,60 - -
Common Equity Tier 1 capital ratio, consolidated situation, % 21,20 21,40 13,90 - -
Tier 1 ratio, consolidated situation, % 23,20 23,70 13,90 - -
Total capital ratio, consolidated situation, % 27,60 28,20 17,50 - -
Percentage of impaired loans, gross, % 0,11 0,12 0,17 0,23 0,19
Reserve ratio in relation to loans, % 0,11 0,14 0,19 0,25 0,21
Reserve ratio in relation to loans, incl. withheld remuneration to regional insurance companies, % 0,17 0,19 0,23 - -
Loan losses in relation to loans, % 0,02* 0,00* 0,00* 0,08 0,06

* Includes the dissolution of reserves.