powerpoint presentation...2020/04/03 · nor ld d dnk u t n r ra t l l l u lva p a t s 1 q 3 2019 a...
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Q4'17 Q2'18 Q4'18 Q1'19 Q2'19 Q3'19 Q4'19
Total CapitalRatio Q4'19
Total CapitalRequirements
Tier 2
AT1
O-SII buffer
Systemic risk buffer
Countercyclical buffer
Conservation buffer
Pillar 2 add-on
CET1 minimumrequirement
Q4'19 Total assets Total REA* CET1 capital
0.0
1.0
2.0
3.0
4.0
5.0
6.0
2013 2014 2015 2016 2016 2017 2018 2019
Estonia Latvia Lithuania Euro area
Aaa
Aaa
Aaa
Aaa
Aaa
Aa1
Aa1
Aa
2
Aa
2
A1
A2
A2
A2
A3
A3
Baa1
Baa3
Baa3
NO
R
NLD
SWD
DN
K
DEU
AU
T
FIN
GB
R
FRA
EST
IRL
PO
L
ISL
LTU
LVA
ESP
ITA
PR
T
Mo
od
y’s
sove
reig
n c
red
it r
atin
gs1
Deb
t /
GD
P R
atio
(%
) Q
32
01
9
ITA
PR
T
FRA
ESP
Euro
are
a
GB
R
AU
T
IRL
DEU FI
N
NLD
PO
L
LVA
LTU
SWE
NO
R
DN
K
EST
0%
20%
40%
60%
80%
100%
120%
140%
160%
Limited ability to gain exposure through public government debt2
-8.00
-6.00
-4.00
-2.00
0.00
2.00
4.00
6.00
2010 2011 2012 2013 2014 2015 2016 2017 2018
Estonia Latvia Lithuania EU Average
-1.00
-0.50
0.00
0.50
1.00
1.50
Jan
-19
Fe
b-1
9
Ma
r-19
Ap
r-19
Ma
y-1
9
Jun
-19
Jul-1
9
Au
g-1
9
Se
p-1
9
Oct-
19
Nov-1
9
Dec-1
9
Jan
-20
Feb-2
0
Latvia 10yr Lithuania 10yr Germany 10yr
Sweden 10yr Finland 10yr Slovakia 10yr
0 bn
20 bn
40 bn
60 bn
80 bn
100 bn
120 bn
140 bn
Finland Sweden Slovakia Lithuania Latvia Estonia
0%
5%
10%
15%
20%
25%
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
-50
-40
-30
-20
-10
0
10
2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
Estonia Lithuania Latvia Euro Area
90
100
110
120
130
140
150
160
170
2010 2011 2012 2013 2014 2015 2016 2017 2018
Estonia CPI Latvia CPI Lithuania CPI
Estonia RW Latvia RW Lithuania RW
75
100
125
150
175
200
225
250
8090
100110120130140150160
2001 2003 2005 2007 2009 2011 2013 2015 2017 2019
Euro Area Finland Sweden
Estonia, rhs Latvia, rhs Lithuania, rhs
2010 2011 2012 2013 2014 2015 2016 2017 2018 2019Q3
Lithuania Estonia Latvia
Denmark Norway¹ Sweden Finland Estonia Lithuania Latvia
0
20
40
60
80
100
EU
avera
ge
Esto
nia
Latv
ia
Lith
uania
Po
lan
d
Denm
ark
Sw
eden
Norw
ay
Fin
land
Owner (with mortgage) Owner (no outstanding mortgage) Tenant
0%
20%
40%
60%
80%
100%
Estonia Latvia Lithuania
Swedbank SEB Luminor Others
Q4 2013 Q4 2014 Q4 2015 Q4 2016 Q4 2017 Q4 2018 Q4 2019
Estonia Latvia Lithuania
0%
20%
40%
60%
80%
100%
120%
2000 2002 2004 2006 2008 2010 2012 2014 2016
40
60
80
100
120
140
160
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
0%
5%
10%
15%
20%
25%
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
75
95
115
135
155
175
2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 2019
Estonia Latvia Lithuania Baltics
0
100
200
300
400
500
600
700
Over
100
%
Estonia
Latvia
Lithuania
0
1,000
2,000
3,000
4,000
5,000
Estonia Latvia Lithuania Baltics
0
1,000
2,000
3,000
4,000
5,000
Estonia Latvia Lithuania Baltics
Note: The referred contents of the Issuer’s website do not form part of the Base Prospectus and investors should not rely on this website
0
10
20
30
40
50
60
70
0 -
10
k
10
k -
20k
20
k -
30k
30
k -
40k
40
k -
50k
50
k -
60k
60
k -
70k
70
k -
80k
80
k -
90k
90
k -
100
k
10
0k -
11
0k
11
0k -
12
0k
12
0k -
13
0k
13
0k -
14
0k
14
0k -
15
0k
15
0k -
16
0k
16
0k -
17
0k
17
0k -
18
0k
18
0k -
19
0k
19
0k -
20
0k
20
0k -
21
0k
21
0k -
22
0k
over
220
k
050
100150200250300
>0
- <
=40 %
>4
0 -
<=
50
%
>5
0 -
<=
60
%
>6
0 -
<=
70
%
>7
0 -
<=
80
%
>8
0 -
<=
90
%
>9
0 -
<=
10
0 %
>1
00%
0
50
100
150
200
250
300
350
400
450
< 12
Q4'17 Q2'18 Q4'18 Q4'19 Q4'17 Q2'18 Q4'18 Q4'19Q4'17 Q2'18 Q4'18 Q4'19
Luminor Pekao AIB OTP PKO mBank Bawag RBI Erste BoI
Bawag Erste OTP BoI PKO AIB Luminor mBank Pekao RBI
AIB Luminor mBank Pekao PKO BoI VUB OTP Bawag RBI Erste
mBank OTP Erste Luminor Bawag BoI RBI Pekao PKO AIB VUB
EXECUTIVE MANAGEMENT
Erki Raasuke
Chief Executive Officer
Jonas Eriksson
Chief Financial Officer
INVESTOR RELATIONS
TREASURY AND ALM
Olof Sundblad
Head of Treasury and ALM