Five Year Summary
Below you will find Länsförsäkringar Bank Group's Income Statement, Balance Sheet and Key Figures from the last five years.
| Income Statment, SEK M | 2017 | 2016 | 2015 | 2014 | 2013 |
| Net interest income | 3 996,3 | 3 454,8 | 2 994,3 | 2 580,4 | 2 230,4 |
| Net commission | -750,3 | -567,5 | -440,9 | -319,4 | -252,9 |
| Net gains/losses from financial items | -49,9 | 68,4 | 96,6 | 97,8 | -85,7 |
| Other operating income | 60,9 | 117,1 | 97,3 | 92,1 | 211,9 |
| Total operating income | 3 257,5 | 3 072,9 | 2 747,3 | 2 450,9 | 2 103,7 |
| Staff costs | -549,0 | -469,8 | -462,0 | -441,1 | -426,6 |
| Other administration expenses | -960,4 | - 1 021,7 | -980,2 | -876,2 | -789,7 |
| Depreciation/amortisation and impairment of property and equipment and intangible assets | -91,5 | -76,3 | -124,1 | -209,0 | -114,2 |
| Total operating expenses | -1 600,9 | - 1 567,9 | -1 566,3 | -1 526,3 | -1 330,6 |
| Profit before loan losses | 1 656,6 | 1 505,0 | 1 181,0 | 924,6 | 773,2 |
| Loan losses, net | -57,7 | -37,6 | -6,1 | 10,0 | -126,4 |
| Operating profit | 1 598,9 | 1 467,3 | 1 174,9 | 934,6 | 646,8 |
| Tax | -361,9 | -330,8 | -263,8 | -222,8 | -168,0 |
| Net profit for the year | 1 237,0 | 1 136,6 | 911,1 | 711,9 | 478,8 |
| Balance Sheet | 2017 | 2016 | 2015 | 2014 | 2013 |
| Assets | 2 016,0 | 2 015,0 | 2 014,0 | 2 013,0 | |
| Cash and balances with central banks | 17,0 | 21,6 | 21,5 | 25,8 | 108,5 |
| Treasury bills and other eligible bills | 10 531,5 | 7 867,2 | 8 824,0 | 5 409,3 | 4 881,4 |
| Loans to credit institutions | 265,0 | 280,2 | 502,7 | 1 789,6 | 5 957,9 |
| Loans to the public | 261 444,2 | 226 705,0 | 201 964,4 | 179 424,3 | 162 003,2 |
| Bonds and other interest-bearing securities | 35 717,8 | 32 809,7 | 31 991,3 | 36 104,1 | 35 200,6 |
| Shares and participations | 38,3 | 25,4 | 15,5 | 11,7 | 88,9 |
| Derivatives | 5 125,5 | 6 216,7 | 4 414,4 | 5 257,6 | 1 337,7 |
| Fair value changes of interest-rate-risk hedged items in portfolio hedge | 248,0 | 635,9 | 815,3 | 1 146,5 | 550,8 |
| Intangible assets | 969,3 | 488,3 | 306,2 | 309,6 | 397,1 |
| Other assets | 587,3 | 515,6 | 528,1 | 456,7 | 591,9 |
| Prepaid expenses and accrued income | 422,5 | 385,5 | 1 696,1 | 2 245,0 | 2 601,5 |
| Total assets | 315 366,3 | 275 951,1 | 251 079,5 | 232 180,2 | 213 719,5 |
| Liabilities and equity | |||||
| Due to credit institutions | 3 995,9 | 3 872,8 | 2 954,2 | 3 390,1 | 1 860,6 |
| Deposits and funding from the public | 99 403,6 | 91 207,1 | 83 924,8 | 76 789,7 | 69 220,0 |
| Debt securities in issue | 188 406,7 | 155 999,5 | 139 882,1 | 128 656,4 | 123 634,9 |
| Derivatives | 1 166,4 | 1 643,6 | 2 394,2 | 2 591,7 | 2 780,3 |
| Fair value changes of interest-rate-risk hedged items in portfolio hedge | 1 200,2 | 3 191,4 | 2 899,4 | 3 824,4 | 645,9 |
| Deferred tax liabilities | 508,0 | 421,6 | 296,0 | 214,2 | 143,7 |
| Other liabilities | 801,5 | 607,5 | 705,8 | 783,4 | 755,8 |
| Accrued expenses and deferred income | 2 959,1 | 3 229,8 | 3 666,4 | 4 033,6 | 4 090,2 |
| Subordinated liabilities | 2 596,5 | 2 595,4 | 2 299,7 | 2 299,7 | 2 299,7 |
| Equity | 14 328,4 | 13 182,3 | 12 056,9 | 9 597,0 | 8 288,4 |
| Total liabilities and equity | 315 366,3 | 275 951,1 | 251 079,5 | 232 180,2 | 213 719,5 |
| Key figures | 2017 | 2016 | 2015 | 2014 | 2013 |
| Return on equity, % | 10,0 | 10,1 | 8,9 | 8,3 | 6,7 |
| Return on total capital, % | 0,53 | 0,54 | 0,48 | 0,42 | 0,31 |
| Investment margin, % | 1,32 | 1,28 | 1,22 | 1,15 | 1,06 |
| Cost/income ratio before loan losses | 0,49 | 0,48 | 0,57 | 0,62 | 0,63 |
| Common Equity Tier 1 capital ratio, Bank Group, % | 24,30 | 24,80 | 23,70 | 16,20 | - |
| Tier 1 ratio, Bank Group, % | 26,80 | 27,50 | 26,60 | 16,20 | - |
| Total capital ratio, Bank Group, % | 32,10 | 33,40 | 32,00 | 20,60 | - |
| Common Equity Tier 1 capital ratio, consolidated situation, % | 23,30 | 21,20 | 21,40 | 13,90 | - |
| Tier 1 ratio, consolidated situation, % | 24,80 | 23,20 | 23,70 | 13,90 | - |
| Total capital ratio, consolidated situation, % | 28,10 | 27,60 | 28,20 | 17,50 | - |
| Percentage of impaired loans, gross, % | 0,11 | 0,11 | 0,12 | 0,17 | 0,23 |
| Reserve ratio in relation to loans, % | 0,11 | 0,11 | 0,14 | 0,19 | 0,25 |
| Reserve ratio in relation to loans, incl. withheld remuneration to regional insurance companies, % | 0,14 | 0,17 | 0,19 | 0,23 | - |
| Loan losses in relation to loans, % | 0,02 | 0,02* | 0,00* | 0,00* | 0,08 |
* Includes the dissolution of reserves.