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Financial targets

Taken together, our goals contribute to the creation of long-term value. A high level of customer value is a requirement for sustainable profitability. Our focus on cost efficiency gives us the scope for investment required to enable us to remain an attractive bank in the future.

Return on Equity

  • The Return on Equity shall amount to at least 15 per cent.
  • The Return on Equity for the full year 2019 was 14.7 per cent on total operations.

Return on Equity, continuing operations

  Q4 19 Q3 19 Q2 19 Q1 19 Q4 18
% 13.0 14.1 16.6 15.5 13.5

Cost efficiency

  • Swedbank should be market leader in cost efficiency.
  • Swedbank's C/I ratio for 2019 was 0.43 per cent.

C/I ratio

  Q4 19 Q3 19 Q2 19 Q1 19 Q4 18
% 0.46 0.46 0.42 0.40 0.41

Capitalisation

  • Swedbank’s Common Equity Tier 1 capital ratio will exceed the Swedish FSA’s requirement by 100-300bps.
  • At the end of year 2019 Swedbank's Common Equity Tier 1 ratio was 17.0 per cent.

CET1 ratio

  Q4 19 Q3 19 Q2 19 Q1 19 Q4 18
% 17.0 16.3 16.1 15.9 16.3