and society to grow.
Open Simple Caring
We encourage a sound and sustainable financial
situation for the many households and businesses.
Who we are
We started in1820, as Sweden’s first savings bank. Our
purpose was to combat poverty and to encourage
ordinary people to save for a better future.
Once upon a time…
1820 1915 1991 1992 1995 1997 2005 2006 20141994
IPO Föreningsbanken Föreningssparbanken
IPO Sparbanken Sverige Hansabank
With a focus on social, economic and
Our engagement in society continues
We get involved where our customers are (examples)
In Sweden, we collaborate with
the Friends Foundation
(Stiftelsen Friends), to prevent
bullying among children.
Introduction to business life
In Lithuania, we have Who Needs It?!, an initiative that
strengthens the collaboration between schools and
businesses. In Sweden, we collaborate with Young
Enterprise (Ung Företagsamhet), which trains high-
school students in entrepreneurship.
A partner to the Swedish
We engage in local community
associations, focusing on
initiatives that benefit young
Through Young Jobs
(Unga Jobb) we help
arrange internships for
young people. Through A
Job at Last (Äntligen Jobb)
we help arrange
internships for academics
born abroad. Both initiatives
are based in Sweden.
We were certified according
to ISO 14001 back in 2003
– as the first listed Nordic
In Estonia, we contribute
funding and expertise to
I Love to Help, a portal
for donations to around
Through the programme
Mission Possible we help
talented students in Latvia
to become inspiring teachers
and future leaders.
Teach private economy
Through Young Economy (Ung
Ekonomi) we teach private
economy at Swedish schools.
• We invest in our employees’ development.
• We create opportunities for internal mobility.
• We work for equality and diversity.
• We help our employees to find a balance
between their job and private life.
• Our goal is to have the industry’s best
Customers’ new needs
More and more customers are choosing to do their
daily banking using a computer, smartphone or
tablet. At the same time many customers want
personal help, especially in cases that are a bit more
Our future: Customers should be able to handle all
their daily banking digitally, but also be able to get
personal, customized help at our branches.
Due to globalisation, both we and our customers are
increasingly affected by what happens in the world.
Demographic changes such as urbanization and
population growth are creating new business
Low inflation has resulted in an expansive monetary
policy and low interest rates. Our customers are taking
greater risks and bigger loans.
Our future: To remain a strong, relevant bank, we need to
constantly adapt to the changes around us.
Our competitors are both global banks and
companies that are operating outside the traditional
Our future: We must make it even easier to manage
daily banking digitally. And we must become even
better at transforming customer data into customer
insights, in order to provide tailor-made services and
In the past few years, several new regulations
have been introduced, nationally as well as within
EU and globally. The regulations aim to increase
financial stability and to protect consumers.
Our future: The new regulations will increase our
costs and put pressure on our profits.
Nevertheless, we welcome these regulations as
they contribute to increased stability. As a matter
of fact, Swedbank is one of Europe’s best
EU directive that regulates trading with securities and
aims to improve investor protection.
International regulation that has tightened the
requirements for banks’ capital adequacy ratio and
reporting. Aims to prevent future financial bubbles and
EU directive that aims to create clear rules for third-party
services in the banking market. It also establishes rules
for common security standards.
Examples of new regulations
We are a part of our customer’s
day – throughout their life.
Our private customers
to buy a
Our private customers
Almost half of the population in our home
markets are Swedbank customers! Here
are a few of the things we help them with:
• Loans & mortgages
• Savings & investments
• Payment services
• Pension and insurance
• Private banking
Our corporate customers
In a company anything can happen. To be able
to help our customers in every possible
scenario, we offer expertise in the following
• Pensions & insurance • Financing
• Risk management • E-services
• Cash management • Asset management
• International business • Taxes & legal services
• Transfer of ownership • Business management
• Investment • Property management
There are many ways to Swedbank
Via smartphone, tablet or computer