Strategy
We focus on sustainable value creation for our stakeholders and therefore aim for competitive return on invested capital and market-leading cost efficiency with sound risk management and an excellent customer experience, in combination with a strong commitment to sustainability.
Sustainable value creation for our customers, owners and society
We want to make your everyday finances simpler.
That’s why we focus on offering you smart, timely and relevant solutions, based on your needs and in the way that suits you best. With a stable foundation and strong physical and digital services, you can count on getting access to the right products and support whenever you need them. By delivering real value to you, we create the trust that makes Swedbank your natural partner for financial growth — today and in the future.
Competitive return on invested capital and market-leading cost efficiency
Shareholder value is created through predictable, long-term, profitable growth and efficiency. We value consistent profitability over fast growth, since it creates stability and predictability for our customers and owners as well as society. Therefore, we do not follow short-term market trends and instead price our products based on risk and capital requirements. A strong financial performance is further upheld by market-leading cost efficiency. This allows us to continuously invest in our products and channels and offer competitive prices to our customers
Sound risk management
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.
Strong commitment to sustainability
Swedbank’s strong commitment to sustainability is fundamental to our business. We support the green transition in society by minimising our own carbon footprint and through our investments, financing activities and services to our customers. We maintain a high level of engagement in our society and communities, and take responsibility for our structural importance in the financial system by maintaining a strong financial position, robust asset quality and strong capitalisation.