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 | 2017 | 2016 | 2015 | 2014 | 2013 |
| Net interest income | 2 100,6 | 1 646,9 | 1 325,6 | 1 001,0 | 852,3 |
| Net commission | - 1 141,3 | -935,3 | -800,1 | -564,4 | -346,1 |
| Net gains/losses from financial items | -43,0 | 39,1 | 68,3 | 48,6 | -105,4 |
| Other operating income | - | 0,2 | 0,1 | 0,4 | 0,4 |
| Total operating income | 916,4 | 751,0 | 593,9 | 485,6 | 401,2 |
| Staff costs | -15,7 | -14,8 | -14,4 | -14,6 | -14,8 |
| Other administration expenses | -87,5 | -82,5 | -80,3 | -76,5 | -74,6 |
|
Depreciation/amortisation and impairment of property and equipment and intangible assets |
-0,2 | -0,2 | -0,2 | -0,1 | -0,1 |
| Total operating expenses | -103,4 | -97,4 | -94,9 | -91,2 | -89,5 |
| Profit before loan losses | 813,0 | 653,6 | 499,0 | 394,4 | 311,7 |
| Loan losses, net | 0,0 | 4,8 | 9,8 | 10,7 | -6,6 |
| Operating profit | 813,0 | 658,4 | 508,8 | 405,1 | 305,1 |
| Appropriations | -200,0 | -150,0 | -127,0 | -116,8 | -65,0 |
| Tax | -135,9 | -121,1 | -73,5 | -77,1 | -80,6 |
| Net profit for the year | 477,1 | 387,3 | 308,3 | 211,2 | 159,5 |
| Balance Sheet | 2017 | 2016 | 2015 | 2014 | 2013 |
| Assets | |||||
| Treasury bills and other eligible bills | - | - | - | - | 1 491,9 |
| Loans to credit institutions | 2 859,2 | 4 614,7 | 4 395,3 | 2 488,8 | 4 710,0 |
| Loans to the public | 197 654,8 | 168 947,9 | 147 055,5 | 126 127,9 | 112 143,4 |
| Bonds and other interest-bearing securities | 9 837,9 | 9 313,9 | 9 344,8 | 12 391,9 | 15 375,9 |
| Derivatives | 4 681,3 | 5 744,5 | 4 164,9 | 4 827,5 | 1 146,2 |
| Other assets | 303,6 | 606,7 | 1 662,1 | 2 407,7 | 2 341,4 |
| Total assets | 215 336,6 | 189 227,6 | 166 622,6 | 148 243,8 | 137 208,8 |
| Liabilities and equity | |||||
| Due to credit institutions | 47 266,6 | 47 002,4 | 41 267,7 | 32 637,1 | 26 437,8 |
| Debt securities in issue | 152 811,9 | 126 887,9 | 110 399,8 | 100 888,0 | 98 989,5 |
| Derivatives | 683,9 | 1 138,7 | 1 710,3 | 1 747,1 | 2 538,0 |
| Subordinated liabilities | 661,0 | 1 001,0 | 1 001,0 | 501,0 | 501,0 |
| Other liabilities | 3 301,1 | 5 109,0 | 5 536,0 | 6 550,8 | 3 511,2 |
| Equity | 10 612,2 | 8 082,5 | 6 688,0 | 6 088,9 | 5 231,3 |
| Total liabilities and equity | 215 336,6 | 189 227,6 | 166 622,6 | 148 243,8 | 137 208,8 |
| Key Figures | 2017 | 2016 | 2015 | 2014 | 2013 |
| Return on equity, % | 6,9 | 6,7 | 6,7 | 6,0 | 5,5 |
| Return on total capital, % | 0,40 | 0,37 | 0,37 | 0,32 | 0,29 |
| Investment margin, % | 1,03 | 0,92 | 0,92 | 0,84 | 0,71 |
| Cost/income ratio before loan losses | 0,11 | 0,13 | 0,13 | 0,16 | 0,19 |
| Common Equity Tier 1 capital ratio, % | 56,3 | 44,1 | 44,1 | 37,4 | 21,9 |
| Total capital ratio, % | 59,8 | 49,7 | 49,7 | 42,9 | 23,8 |
| Percentage of impaired loans, gross, % | 0,00 | 0,00 | 0,00 | 0,00 | 0,00 |
| Reserve ratio in relation to loans, % | 0,01 | 0,02 | 0,02 | 0,02 | 0,03 |
| Reserve ratio in relation to loans, incl. held remuneration to regional insurance companies, % | 0,02 | 0,02 | 0,02 | 0,03 | 0,04 |
| Loan loss level, % | 0,00 | 0,00* | 0,00* | -0,01* | -0,01* |
* Includes the dissolution of reserves.