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20.03.2009 15:10:41
Pealkiri
AS SEB Pank IV kvartali 2008 vahearuanne
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AS SEB Pank juhatuse esimehe Ahti Asmanni kommentaar: „SEB finantstulemus kajastab tänast olukorda nii Eesti kui ka maailma majanduses. Me jälgime väga teraselt muutusi Eesti ja meie peamiste ekspordipartnerite majanduses ning nõrgenenud majanduskeskkonna tõttu oleme 2008. aastal oluliselt suurendanud laenuprovisjone. Vaatamata keerulistele oludele järgib SEB jätkuvalt oma pikaajalisi eesmärke, pannes rõhu kõrgele klienditeeninduskvaliteedile. SEB on endiselt parima klienditeenindusega pank Eestis. Aktiivselt pangateenuseid kasutavate klientide arv kasvas 2008. aastal oluliselt, seda paljuski tänu Eesti oludes uuenduslike pangapakettide turuletoomisega. Pensioni valdkonnas suurenes SEB turuosa märgatavalt, millele aitas kaasa Pensioniplaani turule toomine. SEB Pank on täna kindlal positsioonil ning jätkab oma äriliste eesmärkide elluviimist.“ IV kvartali ja 2008. aasta tähtsündmused ASi SEB Pank aktiivsete klientide arv kasvas 2008. aastal 17 500 erakliendi ja 2000 ärikliendi võrra. Alates 7. märtsist 2008 on panga kaubamärk muutunud ja pank tegutseb nime all AS SEB Pank. Jaanuaris käivitas AS SEB Pank edukalt ELi ühtse euromaksete piirkonna (SEPA) maksed, olles ainuke Eesti pank, mis on otseselt üleeuroopalise arveldussüsteemi liige. AS SEB Pank oli esimene Eesti pank, mis sai Finantsinspektsioonilt loa kasutada krediidi- ja tegevusriskide haldamiseks ja kapitalinõuete hindamiseks sisereitingutel põhinevat meetodit (IRB-meetod) ja operatsiooniriski kapitalinõude arvutamisel täiustatud mõõtmismudelil põhinevat meetodit (AMA-meetod). AS SEB Pank viis koos teiste suuremate pankadega lõpule Pankade Kaardikeskuse AS-i (PKK) müügi Skandinaavia juhtivale kaarditehingute vahendajale Northern European Transaction Services (NETS). SEB grupp hakkas koos juhtiva rahvusvahelise kindlustusandjaga Genworth Financials pakkuma eraisikutest laenuvõtjatele laenukindlustust, mis võimaldab neil laenukohustusi täita ka siis, kui nad kaotavad tahtmatult töö või muutuvad õnnetuse või haiguse tõttu ajutiselt töövõimetuks. Seda võimalust kasutas 2008. aastal 2000 klienti. Julgustatuna äriklientide stardipaketi edust, hakkas SEB grupp pakkuma paketipõhiseid tooteid ka eraisikutele. Paketipõhise hinnakujunduse puhul on olulisemad pangateenused klientidele tasuta ja erinevate pangatasude asemel tuleb maksta vaid üht fikseeritud kuutasu. Paketid on osutunud väga populaarseks ja SEB grupp on saanud palju uusi aktiivseid kliente - 50% paketi valinud klientidest on täiesti uued või varem passiivsed olnud kliendid. Paketid on suurendanud ka klientide rahulolu, kuna muudavad SEB pangateenused lihtsamaks ja hõlpsamalt kasutatavaks. 2008. aasta lõpuks kasutas üle 50 000 kliendi paketipõhist hinnakujundust. Septembris juurutas SEB Eesti (SEB Pank Grupp ja tema tütarettevõtjad Eestis) uue teeninduskontseptsiooni, tuues turule kliendisuhtel põhineva lepingu nimetusega SEB Pensioniplaan. Uus kontseptsioon eristab SEB-d põhikonkurentidest, kuna SEB on ainus Eesti pank, mis pakub süstemaatilist ülevaadet kõigisse kolme sambasse tehtud pensioniinvesteeringutest. SEB Pensioniplaan kogus nelja kuuga 10 000 klienti. Oktoobris käivitas SEB Eesti uue II samba pensionifondi nimetusega SEB Optimaalne Pensionifond, mis investeerib 75% oma varadest vähem riskantsetesse instrumentidesse - võlakirjadesse, rahaturuinstrumentidesse, hoiustesse ja muudesse varadesse. IV kvartalis avas üle 10 000 pensionäri AS-is SEB Pank arvelduskonto, et saada panga kaudu kätte oma pensioni. Varem said nad pensioni postkontorite kaudu. AS SEB Pank pakkus neile erilist pangakaarti, millega on võimalik saada allahindlust 185 apteegis üle Eesti, mida käitab ASi SEB Pank partner Apteek1. Apteegiallahindlusega pangakaart on esimene omataoline Eestis. SEB Eesti on märkimisväärselt suurendanud oma turuosa tegevust alustavate ettevõtete seas. 2008. aastal sõlmisid enam kui pooled äsja loodud ettevõtetest AS-iga SEB Pank kliendisuhte. Kliendisuhted ja klientide rahulolu TNS Emori poolt Eestis 2008. aastal läbi viidud kuvandiuuringus saavutas AS SEB Pank kolmanda koha, liikudes eelmise uuringu tulemustega võrreldes koha võrra ülespoole. Uuring hõlmas 66 olulisemat ettevõtet kogu riigis ning selle käigus hinnati ettevõtete kuvandit inimeste üldise suhtumise ja tajutava positsiooni alusel. Uuring viidi läbi aprillis ja see oli kaheksas säärane uuring. TNS Emori viimase kliendirahulolu uuringu tulemused kinnitasid, et vaatamata pingelisele olukorrale finantsturgudel ja maailmamajanduses on AS-i SEB Pank era- ja äriklientide kliendirahulolu jätkuvalt kõrge. Uuringu andmetel on AS-i SEB Pank kliendirahulolu kõrgeim Eestis. Esiletõstmist väärib ka fakt, et AS-i SEB Pank kliendisuhted on märkimisväärselt tugevamad kui Euroopas keskmiselt. Kui näiteks Euroopa jaepanganduse keskmine kliendirahuloluindeks on 68, siis AS-i SEB Pank indeks on 77. 98% meie klientidest on pangaga rahul. 93% panga klientidest on valmis AS-i SEB Pank soovitama oma sõpradele ja tuttavatele. AS-i SEB Pank klientide hinnangul on panga tugevusteks klientidest hoolimine, töötajate kompetentsus sobivate ja lihtsate lahenduste pakkumisel ning panga hea maine. Financial Timesi kirjastusgruppi kuuluv globaalne finantskuukiri The Banker valis AS-i SEB Pank 2008. aasta parimaks pangaks Eestis. AS SEB Pank pälvis selle austava nimetuse teist aastat järjest. 2009. aasta algul andis maailma juhtiv väärtpaberiteenuste ajakiri Global Custodian AS-i SEB Pank väärtpaberiteenuste osakonnale Eesti turul kõrgeima võimaliku reitingu Top Rated, tuginedes 2008. aastal läbi viidud kliendirahulolu uuringutele. Sotsiaalne vastutus ja sponsorlus AS SEB Pank toetab Eestis läbi viidavat äriplaanide konkurssi nimetusega „Ajujaht”, mille eesmärk on aidata kaasa uute teadmistepõhiste ettevõtete loomisele ning üliõpilaste ja noorteadlaste seas ärioskuste suurendamisele. Sel aastal esitati konkursile 259 äriideed. Konkursile esitatud ideed vormitakse ekspertide abil äriplaanideks, mida lihvitakse, kuni meeskonnad on valmis kohtuma investoritega ja idee eduka ettevõtluseni viima. Konkurss kestab 2009. aasta kevadeni. MTÜ SEB Heategevusfond viis 2008. aastal läbi mitu heategevuskampaaniat raha kogumiseks Eesti varjupaikade ja turvakodude toetamiseks. Alates fondi loomisest 2006. aastal on kogutud peaaegu 9 miljonit krooni, et toetada laste turvakodusid ja varjupaikasid üle kogu Eesti. MTÜ SEB Heategevusfondi eesmärk on pakkuda vanemliku hoolitsuseta jäänud lastele võrdsemaid võimalusi - et lastel oleks võimalus tunda end võrdväärsena omaealiste tavalises peres kasvavate lastega, olla aktiivsed ja laiendada silmaringi. Pank toetab fondi igal aastal kahe miljoni krooniga. Tänaseks on Fondi toetajaks asunud ka üle 6000 kliendi, kes teevad korrapäraselt annetusi. Heade inimeste abiga kogutud raha eest on lastele korraldatud mitmesuguseid üritusi - spordipäevi, esmaabikursusi, teatri ja kinokülastusi jms. Lisaks on jagatud üle 1000 lasteraamatu ja ostnud spordivarustust. -------------------------------------------------------------------------------- | Konsolideeritud bilanss | | | -------------------------------------------------------------------------------- | (miljonites kroonides) | | | -------------------------------------------------------------------------------- | | 31.12.200 | 31.12.200 | | | 8 | 7 | -------------------------------------------------------------------------------- | VARAD | | | -------------------------------------------------------------------------------- | Sularaha kassas | 712,1 | 751,9 | -------------------------------------------------------------------------------- | Nõuded keskpangale | 5 739,4 | 4 192,5 | -------------------------------------------------------------------------------- | Nõuded krediidiasutustele | 6 026,6 | 5 436,8 | -------------------------------------------------------------------------------- | Nõuded klientidele | 69 619,0 | 71 989,0 | -------------------------------------------------------------------------------- | Kauplemiseks hoitavad finantsvarad | 399,2 | 527,1 | -------------------------------------------------------------------------------- | Finantsvarad õiglases väärtuses muutustega läbi | 1 043,3 | 1 461,8 | | kasumiaruande | | | -------------------------------------------------------------------------------- | Müügivalmis finantsvarad | 412,4 | 66,2 | -------------------------------------------------------------------------------- | Muu vara | 598,1 | 3 120,2 | -------------------------------------------------------------------------------- | Edasilükkunud tulumaksu varad | 0,0 | 0,7 | -------------------------------------------------------------------------------- | Investeeringud sidusettevõtjatesse | 9,2 | 53,7 | -------------------------------------------------------------------------------- | Immateriaalne põhivara | 390,5 | 392,9 | -------------------------------------------------------------------------------- | Materiaalne põhivara | 146,6 | 162,2 | -------------------------------------------------------------------------------- | VARAD KOKKU | 85 096,4 | 88 155,0 | -------------------------------------------------------------------------------- | | | | -------------------------------------------------------------------------------- | KOHUSTUSED JA OMAKAPITAL | | | -------------------------------------------------------------------------------- | Võlgnevus krediidiasutustele | 35 776,4 | 35 410,1 | -------------------------------------------------------------------------------- | Võlgnevus klientidele | 35 006,2 | 35 889,0 | -------------------------------------------------------------------------------- | Laenufondid | 129,9 | 144,0 | -------------------------------------------------------------------------------- | Muud kohustused | 1 516,2 | 4 446,1 | -------------------------------------------------------------------------------- | Edasilükkunud tulumaksukohustus | 0,0 | 4,2 | -------------------------------------------------------------------------------- | Emiteeritud väärtpaberid | 106,1 | 667,5 | -------------------------------------------------------------------------------- | Finantskohustused õiglases väärtuses muutustega läbi | 497,6 | 361,2 | | kasumiaruande | | | -------------------------------------------------------------------------------- | Eraldised | 611,2 | 527,0 | -------------------------------------------------------------------------------- | Allutatud kohustused | 2 620,9 | 2 622,3 | -------------------------------------------------------------------------------- | Kohustused kokku | 76 264,5 | 80 071,4 | -------------------------------------------------------------------------------- | | | | -------------------------------------------------------------------------------- | Aktsiakapital | 665,6 | 665,6 | -------------------------------------------------------------------------------- | Aažio | 1 346,6 | 1 346,6 | -------------------------------------------------------------------------------- | Reservid | 318,9 | 332,9 | -------------------------------------------------------------------------------- | Realiseerimata kursivahed | 0,0 | -0,8 | -------------------------------------------------------------------------------- | Jaotamata kasum | 6 500,8 | 5 739,3 | -------------------------------------------------------------------------------- | Omakapital kokku | 8 831,9 | 8 083,6 | -------------------------------------------------------------------------------- | KOHUSTUSED JA OMAKAPITAL KOKKU | 85 096,4 | 88 155,0 | -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- | Konsolideeritud bilanss | | | -------------------------------------------------------------------------------- | (miljonites eurodes) | | | -------------------------------------------------------------------------------- | | 31.12.200 | 31.12.2007 | | | 8 | | -------------------------------------------------------------------------------- | VARAD | | | -------------------------------------------------------------------------------- | Sularaha kassas | 45,5 | 48,1 | -------------------------------------------------------------------------------- | Nõuded keskpangale | 366,8 | 267,9 | -------------------------------------------------------------------------------- | Nõuded krediidiasutustele | 385,2 | 347,5 | -------------------------------------------------------------------------------- | Nõuded klientidele | 4 449,5 | 4 600,9 | -------------------------------------------------------------------------------- | Kauplemiseks hoitavad finantsvarad | 25,5 | 33,7 | -------------------------------------------------------------------------------- | Finantsvarad õiglases väärtuses muutustega läbi | 66,7 | 93,4 | | kasumiaruande | | | -------------------------------------------------------------------------------- | Müügivalmis finantsvarad | 26,4 | 4,2 | -------------------------------------------------------------------------------- | Muu vara | 38,2 | 199,5 | -------------------------------------------------------------------------------- | Investeeringud sidusettevõtjatesse | 0,6 | 3,4 | -------------------------------------------------------------------------------- | Immateriaalne põhivara | 25,0 | 25,1 | -------------------------------------------------------------------------------- | Materiaalne põhivara | 9,4 | 10,4 | -------------------------------------------------------------------------------- | VARAD KOKKU | 5 438,7 | 5 634,1 | -------------------------------------------------------------------------------- | | | | -------------------------------------------------------------------------------- | KOHUSTUSED JA OMAKAPITAL | | | -------------------------------------------------------------------------------- | Võlgnevus krediidiasutustele | 2 286,5 | 2 263,1 | -------------------------------------------------------------------------------- | Võlgnevus klientidele | 2 237,3 | 2 293,7 | -------------------------------------------------------------------------------- | Laenufondid | 8,3 | 9,2 | -------------------------------------------------------------------------------- | Muud kohustused | 96,9 | 284,2 | -------------------------------------------------------------------------------- | Edasilükkunud tulumaksukohustus | 0,0 | 0,3 | -------------------------------------------------------------------------------- | Emiteeritud väärtpaberid | 6,8 | 42,6 | -------------------------------------------------------------------------------- | Finantskohustused õiglases väärtuses muutustega | 31,8 | 23,1 | | läbi kasumiaruande | | | -------------------------------------------------------------------------------- | Eraldised | 39,1 | 33,7 | -------------------------------------------------------------------------------- | Allutatud kohustused | 167,5 | 167,6 | -------------------------------------------------------------------------------- | Kohustused kokku | 4 874,2 | 5 117,5 | -------------------------------------------------------------------------------- | | | | -------------------------------------------------------------------------------- | Aktsiakapital | 42,5 | 42,5 | -------------------------------------------------------------------------------- | Aažio | 86,1 | 86,1 | -------------------------------------------------------------------------------- | Reservid | 20,4 | 21,3 | -------------------------------------------------------------------------------- | Realiseerimata kursivahed | 0,0 | -0,1 | -------------------------------------------------------------------------------- | Jaotamata kasum | 415,5 | 366,8 | -------------------------------------------------------------------------------- | Omakapital kokku | 564,5 | 516,6 | -------------------------------------------------------------------------------- | KOHUSTUSED JA OMAKAPITAL KOKKU | 5 438,7 | 5 634,1 | -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- | Konsolideeritud | | | | | | | | kasumiaruanne | | | | | | | -------------------------------------------------------------------------------- | (miljonites kroonides) | | | | | | | -------------------------------------------------------------------------------- | | | 2008 | 2008 | 2008 | 2007 | 2007 | 2007 | -------------------------------------------------------------------------------- | | | | II | IV | | II | IV kv. | | | | | p.a. | kv. | | p.a. | | -------------------------------------------------------------------------------- | | Intressitulu | 4 | 2 | 1 | 4 | 2 | 1 | | | | 993,4 | 513,1 | 253,7 | 157,5 | 275,9 | 184,8 | -------------------------------------------------------------------------------- | | Intressikulu | -3 | -1 | -773, | -2 | -1 | -736,7 | | | | 120,1 | 542,1 | 4 | 555,8 | 417,3 | | -------------------------------------------------------------------------------- | Neto intressitulu | 1 | 971,0 | 480,3 | 1 | 858,6 | 448,1 | | | 873,3 | | | 601,7 | | | -------------------------------------------------------------------------------- | | Komisjoni- ja | 1 | 466,3 | 216,9 | 1 | 597,6 | 308,3 | | | teenustasutulu | 045,2 | | | 228,3 | | | -------------------------------------------------------------------------------- | | Komisjoni- ja | -317, | -149, | -72,4 | -393, | -196,8 | -96,0 | | | teenustasukulu | 8 | 5 | | 2 | | | -------------------------------------------------------------------------------- | Neto teenustasutulu | 727,4 | 316,8 | 144,5 | 835,1 | 400,8 | 212,3 | -------------------------------------------------------------------------------- | Netotulu | 134,0 | 66,4 | 34,3 | 161,8 | 95,9 | 46,6 | | valuutatehingutelt | | | | | | | -------------------------------------------------------------------------------- | Netotulu õiglases | -198, | -171, | -162, | 47,7 | -11,7 | -25,0 | | väärtuses muutustega läbi | 3 | 3 | 0 | | | | | kasumiaruande | | | | | | | | kajastatavatelt | | | | | | | | finantsvaradelt | | | | | | | -------------------------------------------------------------------------------- | Tulu kindlustustegevusest | -44,6 | -49,5 | -46,5 | 74,2 | 23,7 | 12,9 | -------------------------------------------------------------------------------- | Dividenditulu | 30,0 | 30,0 | 29,3 | 0,6 | 0,0 | 0,0 | -------------------------------------------------------------------------------- | Netotulu | 148,8 | 0,3 | 0,0 | 15,2 | 6,4 | 6,4 | | investeerimistegevusest | | | | | | | -------------------------------------------------------------------------------- | Kasum sidusettevõtete | 1,6 | -0,2 | -0,1 | 10,8 | 6,0 | 2,8 | | kapitaliosalusest | | | | | | | -------------------------------------------------------------------------------- | Muud tegevustulud | 13,4 | -54,9 | -88,2 | 549,3 | 523,2 | 517,6 | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Personalikulud | -677, | -333, | -166, | -690, | -344,9 | -175,6 | | | 6 | 5 | 9 | 4 | | | -------------------------------------------------------------------------------- | Muud tegevuskulud | -412, | -140, | -10,8 | -350, | -183,8 | -109,3 | | | 0 | 5 | | 4 | | | -------------------------------------------------------------------------------- | Materiaalse ja | -65,0 | -32,9 | -16,4 | -61,3 | -31,0 | -15,9 | | immateriaalse põhivara | | | | | | | | kulum ja väärtuse muutus | | | | | | | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Kasum enne laenukahjumeid | 1 | 601,7 | 197,5 | 2 | 1 | 920,9 | | | 531,0 | | | 194,3 | 343,2 | | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Laenukahjumid | -761, | -147, | -121, | -152, | -120,8 | -113,4 | | | 0 | 2 | 8 | 4 | | | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Kasum enne tulumaksu | 770,0 | 454,5 | 75,7 | 2 | 1 | 807,5 | | | | | | 041,9 | 222,4 | | -------------------------------------------------------------------------------- | Tulumaks | -3,6 | 0,0 | 0,0 | -15,4 | -8,6 | -3,4 | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Puhaskasum | 766,4 | 454,5 | 75,7 | 2 | 1 | 804,1 | | | | | | 026,5 | 213,8 | | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Tava ja lahustatud | 11,51 | 13,66 | 4,55 | 30,45 | 36,47 | 48,32 | | puhaskasum aktsia kohta, | | | | | | | | EEKi aktsia kohta. EPS | | | | | | | -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- | Konsolideeritud | | | | | | | | kasumiaruanne | | | | | | | -------------------------------------------------------------------------------- | (miljonites eurodes) | | | | | | | -------------------------------------------------------------------------------- | | | 2008 | 2008 | 2008 | 2007 | 2007 | 2007 | -------------------------------------------------------------------------------- | | | | II | QIV | | II | QIV | | | | | half | | | half | | | | | | year | | | year | | -------------------------------------------------------------------------------- | | Intressitulu | 319,1 | 160,6 | 80,1 | 265,7 | 145,5 | 75,7 | -------------------------------------------------------------------------------- | | Intressikulu | -199, | -98,5 | -49,4 | -163,3 | -90,5 | -47,0 | | | | 4 | | | | | | -------------------------------------------------------------------------------- | Neto intressitulu | 119,7 | 62,1 | 30,7 | 102,4 | 55,0 | 28,7 | -------------------------------------------------------------------------------- | | Komisjoni- ja | 66,8 | 29,8 | 13,9 | 78,5 | 38,2 | 19,7 | | | teenustasutulu | | | | | | | -------------------------------------------------------------------------------- | | Komisjoni- ja | -20,3 | -9,5 | -4,6 | -25,1 | -12,5 | -6,1 | | | teenustasukulu | | | | | | | -------------------------------------------------------------------------------- | Neto teenustasutulu | 46,5 | 20,3 | 9,2 | 53,4 | 25,7 | 13,6 | -------------------------------------------------------------------------------- | Netotulu | 8,6 | 4,3 | 2,2 | 10,3 | 6,1 | 2,9 | | valuutatehingutelt | | | | | | | -------------------------------------------------------------------------------- | Netotulu õiglases | -12,7 | -11,0 | -10,4 | 3,0 | -0,8 | -1,7 | | väärtuses muutustega läbi | | | | | | | | kasumiaruande | | | | | | | | kajastatavatelt | | | | | | | | finantsvaradelt | | | | | | | -------------------------------------------------------------------------------- | Tulu kindlustustegevusest | -2,9 | -3,2 | -3,0 | 4,7 | 1,5 | 0,8 | -------------------------------------------------------------------------------- | Dividenditulu | 1,9 | 1,9 | 1,9 | 0,0 | 0,0 | 0,0 | -------------------------------------------------------------------------------- | Netotulu | 9,5 | 0,0 | 0,0 | 1,0 | 0,4 | 0,4 | | investeerimistegevusest | | | | | | | -------------------------------------------------------------------------------- | Kasum sidusettevõtete | 0,1 | 0,0 | 0,0 | 0,7 | 0,4 | 0,2 | | kapitaliosalusest | | | | | | | -------------------------------------------------------------------------------- | Muud tegevustulud | 0,9 | -3,5 | -5,6 | 35,1 | 33,4 | 33,1 | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Personalikulud | -43,3 | -21,3 | -10,7 | -44,1 | -22,0 | -11,2 | -------------------------------------------------------------------------------- | Muud tegevuskulud | -26,3 | -9,0 | -0,7 | -22,4 | -11,8 | -7,0 | -------------------------------------------------------------------------------- | Materiaalse ja | -4,2 | -2,1 | -1,1 | -3,9 | -2,0 | -1,0 | | immateriaalse põhivara | | | | | | | | kulum ja väärtuse muutus | | | | | | | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Kasum enne laenukahjumeid | 97,8 | 38,5 | 12,5 | 140,2 | 85,9 | 58,8 | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Laenukahjumid | -48,6 | -9,4 | -7,7 | -9,7 | -7,7 | -7,2 | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Kasum enne tulumaksu | 49,2 | 29,1 | 4,8 | 130,5 | 78,2 | 51,6 | -------------------------------------------------------------------------------- | Tulumak | | -0,2 | 0,0 | 0,0 | -1,0 | -0,6 | -0,2 | | s | | | | | | | | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Puhaskasum | 49 | 29,1 | 4,8 | 129,5 | 77,6 | 51,4 | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Tava ja lahustatud | 0,74 | 0,87 | 0,29 | 1,95 | 2,33 | 3,09 | | puhaskasum aktsia kohta, | | | | | | | | EUR-i aktsia kohta. EPS | | | | | | | -------------------------------------------------------------------------------- Lisainformatsioon: Silver Vohu SEB Kommunikatsioonijuht Telefon: 66 55 393 Mobiil: 52 111 70 E-post: silver.vohu@seb.ee www.seb.ee
Pealkiri
AS SEB Pank quarterly report for Q4 2008
Teade
Ahti Asmann, Head of SEB in Estonia comment: “Our financial result reflects the current situation in the Estonian and global economy. SEB is monitoring the changes in the economies of Estonia and our main export partners very closely and we have increased our loan provisions significantly in 2008 due to the weakened economic environment. However, regardless of the complicated situation, SEB is determined to keep to its long-term goals by placing the main emphasis on high quality of client service. SEB is in a strong position from which to face the decline on the markets. SEB is still the bank with the best client services in Estonia. The number of clients who use banking services actively increased considerably in 2008, mainly as a result of the Payment Plan launched on the market, which are new in Estonia. The market share of SEB increased noticeably in the area of pensions, mainly on account of the Pension Plan launch. SEB is currently in a strong position and will continue moving towards the achievement of its business goals.” Key events in QIV and year 2008 The number of the AS SEB Bank's active customers grew by 17,500 individuals and 2,000companies in 2008. Since 7 March 2008, AS SEB Pank has been rebranded and the bank now operates under the name SEB Pank. In January, AS SEB Pank successfully launched SEPA payments, becoming the only bank in Estonia to be a direct member of the pan‐European clearing system. AS SEB Pank was the first bank in Estonia to gain approval from the Financial Supervisory Authority to use IRB (Internal Ratings Based Approach) and AMA (Advanced Measurement Approach) models for credit and operational risk management and measurement for capital requirements. AS SEB Pank, along with other major banks in Estonia, successfully completed the sale of the card payment processing company Pankade Kaardikeskus AS (PKK) to Northern European Transaction Services (NETS). SEB group and the leading international insurance company Genworth Financials launched Payment Protection Insurance for private borrowers, which allows their loan obligations to be fulfilled even in the event that they involuntarily become unemployed or temporarily incapacitated as a result of an accident or illness. 2000 clients made use of this opportunity in 2008. Encouraged by the success of SME start packages, SEB group also launched packagebased products for private individuals. In terms of pricing the more relevant banking products are free of charge for clients and there is just one fixed monthly fee instead of various bank charges. The packages have proven to be very popular and SEB group has attracted a number of new active customers; in fact 50% of package clients are completely new or previously passive clients. The packages have also boosted custome satisfaction since they make our banking services easier and simpler. By the end of 2008 more than 50,000 clients used package‐based pricing. SEB Estonia (SEB Pank Group and his subsidiaries in Estonia) introduced a new service concept in September with a relationship agreement called the SEB Pension Plan. This new concept is something we believe will differentiate us from our main competitors, as we are the only bank in Estonia that provides a systematic overview of pension investments in all three pillars. The SEB Pension Plan attracted 10,000 customers within four months. In October SEB Estonia launched the new II pillar pension fund SEB Optimal Pension, which invests 75% of its assets in less risky instruments: bonds, money market instruments, deposits and other assets. More than 10,000 pensioners opened an account in AS SEB Pank in Q4 in order to obtain their retirement pay through the bank. Previously they received their pension through post offices. AS SEB Pank offered them a special bank card which provides discounts in 185 pharmacies across Estonia operated by AS SEB Pank's partner Apteek1. The pharmacy discount bank card is the first of its kind in Estonia. SEB Estonia has effectively increased its market share among companies which are starting up. More than half of all newly established companies started their business with AS SEB Pank in 2008. Customer relations and customer satisfaction AS SEB Pank ranked third in an image profile survey carried out in 2008 by TNS Emor in Estonia, up one position on the previous survey. The survey covered 66 major companies in the country and measured their image based on people's general attitude and perceived strength. The survey was conducted in April and was the eighth of its kind The latest customer satisfaction poll conducted by TNS Emor revealed that despite a difficult year on the financial market and for the world economy, private and corporate customer satisfaction is still highest with AS SEB Pank. The fact that AS SEB Pank's customer relations are significantly stronger than the European average is also worthy of mentioning. Whereas in Europe the average customer satisfaction index for retail banking is 68, the corresponding index in AS SEB Pank is 77. 98% of our customers are satisfied with our services, and 93% would recommend AS SEB Pank and its services to their friends and family. Our customers feel that the bank's main strengths lie in staff competence; its ability to consider the customer's interests; appealing customer service; and the bank's good reputation. The Banker, the global financial magazine published by the Financial Times publishing group, selected AS SEB Pank as the best bank in Estonia in 2008 - the second year in a row that AS SEB Pank received the award. In early 2009 the world's leading magazine on securities services, Global Custodian, gave AS SEB Pank's Custody Services the highest possible rating on the Estonian market - Topp Rated, based on customer satisfaction surveys in 2008. Social responsibility and sponsorship AS SEB Pank supports Estonia's leading business plan competition ‘Ajujaht', which is designed to contribute to the creation of new knowledge‐based companies and to boost the business skills of students and young scientists. 259 business ideas were submitted this year. These are transformed into business plans with the help of experts and perfected until the teams are ready to meet investors and take the idea to a successful launch. The competition will run until spring 2009. In 2008 the MTÜ SEB Heategevusfond (Charity Fund) conducted several campaigns to raise money to support children without parental care. Since the foundation of the fund in 2006 almost 9 million kroons has been raised in support of children's shelters and safe houses all over Estonia. Our aim is to provide children who have no parental care with more equal opportunities, allowing them to feel that they are on the same level as peers raised in conventional families, to be active and to broaden their horizons. The bank provides the fund with two million kroons in support every year. To date over 6000 bank customers have joined us in our efforts and are making donations on a regular basis. The funds raised with the help of these good people have been used to organise various events for children - sports days, first aid courses, visits to the theatre and cinema and more. We have also distributed more than 1000 children's books and bought sports equipment. -------------------------------------------------------------------------------- | Consolidated Balance Sheet | | | -------------------------------------------------------------------------------- | (millions of EEK) | | | -------------------------------------------------------------------------------- | | 31.12.2008 | 31.12.2007 | -------------------------------------------------------------------------------- | ASSETS | | | -------------------------------------------------------------------------------- | Cash | 712,1 | 751,9 | -------------------------------------------------------------------------------- | Balances with central bank | 5 739,4 | 4 192,5 | -------------------------------------------------------------------------------- | Loans and advances to credit institutions | 6 026,6 | 5 436,8 | -------------------------------------------------------------------------------- | Loans and advances to customers | 69 619,0 | 71 989,0 | -------------------------------------------------------------------------------- | Financial assets held for trading | 399,2 | 527,1 | -------------------------------------------------------------------------------- | Financial assets at fair value through profit or | 1 043,3 | 1 461,8 | | loss | | | -------------------------------------------------------------------------------- | Available-for-sale financial assets | 412,4 | 66,2 | -------------------------------------------------------------------------------- | Other assets | 598,1 | 3 120,2 | -------------------------------------------------------------------------------- | Deferred income tax assets | 0,0 | 0,7 | -------------------------------------------------------------------------------- | Investments in associates | 9,2 | 53,7 | -------------------------------------------------------------------------------- | Intangible assets | 390,5 | 392,9 | -------------------------------------------------------------------------------- | Property plant and equipment | 146,6 | 162,2 | -------------------------------------------------------------------------------- | TOTAL ASSETS | 85 096,4 | 88 155,0 | -------------------------------------------------------------------------------- | | | | -------------------------------------------------------------------------------- | LIABILITIES AND SHAREHOLDERS' EQUITY | | | -------------------------------------------------------------------------------- | Due to credit institutions | 35 776,4 | 35 410,1 | -------------------------------------------------------------------------------- | Due to customers | 35 006,2 | 35 889,0 | -------------------------------------------------------------------------------- | Lending funds | 129,9 | 144,0 | -------------------------------------------------------------------------------- | Other liabilities | 1 516,2 | 4 446,1 | -------------------------------------------------------------------------------- | Deferred income tax liabilities | 0,0 | 4,2 | -------------------------------------------------------------------------------- | Issued debt securities | 106,1 | 667,5 | -------------------------------------------------------------------------------- | Financial liabilities at fair value through | 497,6 | 361,2 | | profit or loss | | | -------------------------------------------------------------------------------- | Provisions | 611,2 | 527,0 | -------------------------------------------------------------------------------- | Subordinated loans | 2 620,9 | 2 622,3 | -------------------------------------------------------------------------------- | Total Liabilities | 76 264,5 | 80 071,4 | -------------------------------------------------------------------------------- | | | | -------------------------------------------------------------------------------- | Share capital | 665,6 | 665,6 | -------------------------------------------------------------------------------- | Share premium | 1 346,6 | 1 346,6 | -------------------------------------------------------------------------------- | Other reserves | 318,9 | 332,9 | -------------------------------------------------------------------------------- | Translation reserve | 0,0 | -0,8 | -------------------------------------------------------------------------------- | Retained earnings | 6 500,8 | 5 739,3 | -------------------------------------------------------------------------------- | Total shareholders' equity | 8 831,9 | 8 083,6 | -------------------------------------------------------------------------------- | TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY | 85 096,4 | 88 155,0 | -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- | Consolidated Balance Sheet | | | -------------------------------------------------------------------------------- | (millions of EUR) | | | -------------------------------------------------------------------------------- | | 31.12.2008 | 31.12.2007 | -------------------------------------------------------------------------------- | ASSETS | | | -------------------------------------------------------------------------------- | Cash | 45,5 | 48,1 | -------------------------------------------------------------------------------- | Balances with central bank | 366,8 | 267,9 | -------------------------------------------------------------------------------- | Loans and advances to credit institutions | 385,2 | 347,5 | -------------------------------------------------------------------------------- | Loans and advances to customers | 4 449,5 | 4 600,9 | -------------------------------------------------------------------------------- | Financial assets held for trading | 25,5 | 33,7 | -------------------------------------------------------------------------------- | Financial assets at fair value through profit | 66,7 | 93,4 | | or loss | | | -------------------------------------------------------------------------------- | Available-for-sale financial assets | 26,4 | 4,2 | -------------------------------------------------------------------------------- | Other assets | 38,2 | 199,5 | -------------------------------------------------------------------------------- | Investments in associates | 0,6 | 3,4 | -------------------------------------------------------------------------------- | Intangible assets | 25,0 | 25,1 | -------------------------------------------------------------------------------- | Property plant and equipment | 9,4 | 10,4 | -------------------------------------------------------------------------------- | TOTAL ASSETS | 5 438,7 | 5 634,1 | -------------------------------------------------------------------------------- | | | | -------------------------------------------------------------------------------- | LIABILITIES AND SHAREHOLDERS' EQUITY | | | -------------------------------------------------------------------------------- | Due to credit institutions | 2 286,5 | 2 263,1 | -------------------------------------------------------------------------------- | Due to customers | 2 237,3 | 2 293,7 | -------------------------------------------------------------------------------- | Lending funds | 8,3 | 9,2 | -------------------------------------------------------------------------------- | Other liabilities | 96,9 | 284,2 | -------------------------------------------------------------------------------- | Deferred income tax liabilities | 0,0 | 0,3 | -------------------------------------------------------------------------------- | Issued debt securities | 6,8 | 42,6 | -------------------------------------------------------------------------------- | Financial liabilities at fair value through | 31,8 | 23,1 | | profit or loss | | | -------------------------------------------------------------------------------- | Provisions | 39,1 | 33,7 | -------------------------------------------------------------------------------- | Subordinated loans | 167,5 | 167,6 | -------------------------------------------------------------------------------- | Total Liabilities | 4 874,2 | 5 117,5 | -------------------------------------------------------------------------------- | | | | -------------------------------------------------------------------------------- | Share capital | 42,5 | 42,5 | -------------------------------------------------------------------------------- | Share premium | 86,1 | 86,1 | -------------------------------------------------------------------------------- | Other reserves | 20,4 | 21,3 | -------------------------------------------------------------------------------- | Translation reserve | 0,0 | -0,1 | -------------------------------------------------------------------------------- | Retained earnings | 415,5 | 366,8 | -------------------------------------------------------------------------------- | Total shareholders' equity | 564,5 | 516,6 | -------------------------------------------------------------------------------- | TOTAL LIABILITIES AND SHAREHOLDERS' EQUITY | 5 438,7 | 5 634,1 | -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- | Consolidated Income | | | | | | | | Statement | | | | | | | -------------------------------------------------------------------------------- | (millions of EEK) | | | | | | | -------------------------------------------------------------------------------- | | | 2008 | 2008 | 2008 | 2007 | 2007 | 2007 | -------------------------------------------------------------------------------- | | | | II | QIV | | II | QIV | | | | | half | | | half | | | | | | year | | | year | | -------------------------------------------------------------------------------- | | Interest and similar | 4 | 2 | 1 | 4 | 2 | 1 | | | income | 993,4 | 513,1 | 253,7 | 157,5 | 275,9 | 184,8 | -------------------------------------------------------------------------------- | | Interest expenses and | -3 | -1 | -773, | -2 | -1 | -736,7 | | | similar charges | 120,1 | 542,1 | 4 | 555,8 | 417,3 | | -------------------------------------------------------------------------------- | Net Interest Income | 1 | 971,0 | 480,3 | 1 | 858,6 | 448,1 | | | 873,3 | | | 601,7 | | | -------------------------------------------------------------------------------- | | Fee and commission | 1 | 466,3 | 216,9 | 1 | 597,6 | 308,3 | | | income | 045,2 | | | 228,3 | | | -------------------------------------------------------------------------------- | | Fee and commission | -317, | -149, | -72,4 | -393, | -196,8 | -96,0 | | | expense | 8 | 5 | | 2 | | | -------------------------------------------------------------------------------- | Net fee and commission | 727,4 | 316,8 | 144,5 | 835,1 | 400,8 | 212,3 | | income | | | | | | | -------------------------------------------------------------------------------- | Net income from foreign | 134,0 | 66,4 | 34,3 | 161,8 | 95,9 | 46,6 | | exchange | | | | | | | -------------------------------------------------------------------------------- | Gains less losses from | -198, | -171, | -162, | 47,7 | -11,7 | -25,0 | | financial assets at fair | 3 | 3 | 0 | | | | | value through profit or | | | | | | | | loss | | | | | | | -------------------------------------------------------------------------------- | Income from insurance | -44,6 | -49,5 | -46,5 | 74,2 | 23,7 | 12,9 | | activities | | | | | | | -------------------------------------------------------------------------------- | Income from dividends | 30,0 | 30,0 | 29,3 | 0,6 | 0,0 | 0,0 | -------------------------------------------------------------------------------- | Gains less losses from | 148,8 | 0,3 | 0,0 | 15,2 | 6,4 | 6,4 | | investment securities | | | | | | | -------------------------------------------------------------------------------- | Share of profit of | 1,6 | -0,2 | -0,1 | 10,8 | 6,0 | 2,8 | | associates | | | | | | | -------------------------------------------------------------------------------- | Other income | 13,4 | -54,9 | -88,2 | 549,3 | 523,2 | 517,6 | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Personnel expenses | -677, | -333, | -166, | -690, | -344,9 | -175,6 | | | 6 | 5 | 9 | 4 | | | -------------------------------------------------------------------------------- | Other expenses | -412, | -140, | -10,8 | -350, | -183,8 | -109,3 | | | 0 | 5 | | 4 | | | -------------------------------------------------------------------------------- | Depreciation, amortization | -65,0 | -32,9 | -16,4 | -61,3 | -31,0 | -15,9 | | and impairment of tangible | | | | | | | | and intangible assets | | | | | | | -------------------------------------------------------------------------------- | Profit before impairment | 1 | 601,7 | 197,5 | 2 | 1 | 920,9 | | losses on loans and | 531,0 | | | 194,3 | 343,2 | | | advances | | | | | | | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Impairment losses on loans | -761, | -147, | -121, | -152, | -120,8 | -113,4 | | and advances | 0 | 2 | 8 | 4 | | | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Profit before income tax | 770,0 | 454,5 | 75,7 | 2 | 1 | 807,5 | | | | | | 041,9 | 222,4 | | -------------------------------------------------------------------------------- | Income tax | -3,6 | 0,0 | 0,0 | -15,4 | -8,6 | -3,4 | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Net profit | 766,4 | 454,5 | 75,7 | 2 | 1 | 804,1 | | | | | | 026,5 | 213,8 | | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Earnings and diluted | 11,51 | 13,66 | 4,55 | 30,45 | 36,47 | 48,32 | | earnings per share, EPS | | | | | | | | (EEK per share) | | | | | | | -------------------------------------------------------------------------------- -------------------------------------------------------------------------------- | Consolidated Income | | | | | | | | Statement | | | | | | | -------------------------------------------------------------------------------- | (millions of EUR) | | | | | | | -------------------------------------------------------------------------------- | | | 2008 | 2008 | 2008 | 2007 | 2007 | 2007 | -------------------------------------------------------------------------------- | | | | II | QIV | | II | QIV | | | | | half | | | half | | | | | | year | | | year | | -------------------------------------------------------------------------------- | | Interest and similar | 319,1 | 160,6 | 80,1 | 265,7 | 145,5 | 75,7 | | | income | | | | | | | -------------------------------------------------------------------------------- | | Interest expenses and | -199, | -98,5 | -49,4 | -163, | -90,5 | -47,0 | | | similar charges | 4 | | | 3 | | | -------------------------------------------------------------------------------- | Net Interest Income | 119,7 | 62,1 | 30,7 | 102,4 | 55,0 | 28,7 | -------------------------------------------------------------------------------- | | Fee and commission | 66,8 | 29,8 | 13,9 | 78,5 | 38,2 | 19,7 | | | income | | | | | | | -------------------------------------------------------------------------------- | | Fee and commission | -20,3 | -9,5 | -4,6 | -25,1 | -12,5 | -6,1 | | | expense | | | | | | | -------------------------------------------------------------------------------- | Net fee and commission | 46,5 | 20,3 | 9,2 | 53,4 | 25,7 | 13,6 | | income | | | | | | | -------------------------------------------------------------------------------- | Net income from foreign | 8,6 | 4,3 | 2,2 | 10,3 | 6,1 | 2,9 | | exchange | | | | | | | -------------------------------------------------------------------------------- | Gains less losses from | -12,7 | -11,0 | -10,4 | 3,0 | -0,8 | -1,7 | | financial assets at fair | | | | | | | | value through profit or | | | | | | | | loss | | | | | | | -------------------------------------------------------------------------------- | Income from insurance | -2,9 | -3,2 | -3,0 | 4,7 | 1,5 | 0,8 | | activities | | | | | | | -------------------------------------------------------------------------------- | Income from dividends | 1,9 | 1,9 | 1,9 | 0,0 | 0,0 | 0,0 | -------------------------------------------------------------------------------- | Gains less losses from | 9,5 | 0,0 | 0,0 | 1,0 | 0,4 | 0,4 | | investment securities | | | | | | | -------------------------------------------------------------------------------- | Share of profit of | 0,1 | 0,0 | 0,0 | 0,7 | 0,4 | 0,2 | | associates | | | | | | | -------------------------------------------------------------------------------- | Other income | 0,9 | -3,5 | -5,6 | 35,1 | 33,4 | 33,1 | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Personnel expenses | -43,3 | -21,3 | -10,7 | -44,1 | -22,0 | -11,2 | -------------------------------------------------------------------------------- | Other expenses | -26,3 | -9,0 | -0,7 | -22,4 | -11,8 | -7,0 | -------------------------------------------------------------------------------- | Depreciation, amortization | -4,2 | -2,1 | -1,1 | -3,9 | -2,0 | -1,0 | | and impairment of tangible | | | | | | | | and intangible assets | | | | | | | -------------------------------------------------------------------------------- | Profit before impairment | 97,8 | 38,5 | 12,5 | 140,2 | 85,9 | 58,8 | | losses on loans and | | | | | | | | advances | | | | | | | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Impairment losses on loans | -48,6 | -9,4 | -7,7 | -9,7 | -7,7 | -7,2 | | and advances | | | | | | | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Profit before income tax | 49,2 | 29,1 | 4,8 | 130,5 | 78,2 | 51,6 | -------------------------------------------------------------------------------- | Income tax | -0,2 | 0,0 | 0,0 | -1,0 | -0,6 | -0,2 | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Net profit | 49 | 29,1 | 4,8 | 129,5 | 77,6 | 51,4 | -------------------------------------------------------------------------------- | | | | | | | | | -------------------------------------------------------------------------------- | Earnings and diluted | 0,74 | 0,87 | 0,29 | 1,95 | 2,33 | 3,09 | | earnings per share, EPS | | | | | | | | (EUR per share) | | | | | | | -------------------------------------------------------------------------------- Additional information: Silver Vohu Head of Communication SEB Phone: +372 66 55 393 Mobile: +372 52 111 70 E-mail: silver.vohu@seb.ee www.seb.ee