Customer value is created by servicing our customers with proactive, timely and relevant offerings based on our customers’ needs in our customers’ preferred channel. We focus on having a stable infrastructure and solid digital performance to enable accessibility to products and services when and where needed. Delivering high value towards our customers is a precondition to sustainable profitability and our customers’ choice of Swedbank as a trusted partner for their financial growth.

A strong and sound risk management in our operations is the basis for building trust and our long-term survival. It allows us to finance our operations through deposits from the public and funding from the capital market in order to lend money to households and businesses at competitive prices, even during difficult economic times. It further enables us to take informed and sound decisions balancing risks, return and market shares. With the transition towards digital solutions, we also target high stability, availability and information security in all our systems to secure long-term customer relationships and trust.