Transcript www.fkl.fi

Finnish banking in 2010
ECB key interest rate and market interest rates
6
%
5
4
3
2
1
0
1-month Euribor
3-month Euribor
Source: Bank of Finland , Reuters, 1 March 2011
12-month Euribor
5 April 2011
ECB key interest rate
2
Euro-denominated loans to public;
market shares 31 Dec 10
€bn
0
10
OP-Pohjola Group
56.3
Nordea Bank Finland Group
52.6
Sampo Bank Group
20.3
incl. Danske Helsinki Branch
Handelsbanken Group
8.2
Aktia Group
6.7
Savings Banks
5.5
POP Bank Group
3.4
Bank of Åland
Tapiola Bank plc
Others
20
30
40
50
60
33.0%
30.9%
11.9%
4.8%
3.9%
3.2%
2.0%
2.3 1.3%
1.4
0.8%
13.9
Source: The banks/banking groups have agreed that the Bank of
Finland provides these figures for the Federation of Finnish
Financial Services annually for publishing.
8.1%
5 April 2011
3
Euro-denominated deposits from the public;
market shares 31 Dec 10
€bn
0
5
10
15
20
25
30
35
40
OP-Pohjola Group
37.9
32.5%
Nordea Bank Finland Group
37.7
32.3%
Sampo Bank Group
14.7
incl. Danske Helsinki Branch
12.6%
Savings Banks
6.0
Handelsbanken Group
3.7
3.2%
POP Bank Group
3.6
3.1%
Aktia Group
3.5
3.0%
Bank of Åland
1.5
1.3%
Tapiola Bank plc
1.4
1.2%
Others
6.7
5.1%
8.1%
Source: The banks/banking groups have agreed that the Bank of
Finland provides these figures for the Federation of Finnish
Financial Services annually for publishing.
5 April 2011
4
Number of deposit-taking banks' employees and branches
Source: banks
5 April 2011
5
Banking groups operating in Finland on 31 Dec 2010 (1)
Finnish banks
OP-Pohjola Group
Nordea Bank Finland
Sampo Bank
Aktia
1)
2)
Savings banks
Bank of Åland
3)
POP Bank Group
Banks
Total assets,
€million
Employees
(group)
Branches
(deposit banks)
216
83,969
12,504
554
1
286,086
10,005
327
1
26,158
2,661
121
1
11,019
1,423
74
34
7,316
1,293
214
1
3,475
742
28
38
4,321
735
143
280
3
214
1
206
7
Evli Bank
1
S-Bank Ltd
1
FIM Bank
2,688
1
4)
Tapiola Bank
1
1,621
168
63
5)
1
661
26
1
1
48
4
0
1
0
1
299
30,261
1,537
Hypo
eQ Bank
6)
SEB Gyllenberg Private Bank
Total Finnish banks
7)
Banking groups operating in Finland on 31 Dec 2010 (2)
Branches of foreign banks
Banks
Employees
(group)
Branches
(deposit banks)
Svenska Handelsbanken AB (publ), Branch Operation in Finland
1
662
45
Skandinaviska Enskilda Banken AB (publ) Helsinki Branch
1
284
1
1
222
1
1
66
11
1
55
1
1
49
1
Swedbank AB (publ), Branch in Finland
1
33
1
Royal Bank of Scotland public limited company, Finnish Branch
1
17
1
DnB NOR Bank ASA, Branch in Finland
1
17
1
Deutsche Bank Aktiengesellschaft, Helsinki branch
1
15
1
Citibank International plc, Finland Branch
1
14
1
1
12
1
EFG Bank AB Finnish Branch
1
3
1
BIGBANK AS Finland Branch
1
14
10
1,459
1
68
313
31,720
1,605
Danske Bank A/S, Helsinki Branch
1)
Forex Bank
Nordnet Bank
6)
Carnegie Investment Bank AB, Finland Branch
8)
Crédit Agricole Corporate and Investment Bank Helsinki Branch
Total foreign banks’ branches
TOTAL
9)
Finnish financial institutions' euro-denominated loans to
households and non-financial corporations
Source: Bank of Finland
5 April 2011
8
New home loans granted to households by banks
Source: Bank of Finland
5 April 2011
9
Credit portfolio of finance houses* 31 December
8,713
7,360
6,761
5,816
5,189
4,429
3,579
2,974
2,998
2,000
3,145
4,000
3,950
6,000
6,429
8,000
8,010
12,487
12,326
11,549
10,000
10,549
12,000
12,475
14,000
* FFI Members
€m
0
1993 1994 1995 1996 1997 1998 1999 2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 2010
5 April 2011
10
Saving and investment
140
€bn
Deposits to Finnish monetary institutions from the euro area
Value of investment funds
120
Life insurance assets (companies and private persons)
100
80
60
40
20
0
2001
2002
2003
Sources: Bank of Finland, Federation of Finnish Financial
Services, Investment Research Finland
2004
2005
5 April 2011
2006
2007
2008
2009
2010
11
Division of fund assets in Finland
%
0
5
10
15
20
25
30
40
45
35.1
Equity funds
39.7
28.3
Money market funds
29.0
21.6
Bond funds
16.7
12.4
Mixed funds
Other funds
35
13.1
31 December 2009
31 December 2010
2.5
1.5
5 April 2011
12
Margin between loan and deposit interest rates
Source: Bank of Finland
5 April 2011
13
Net interest income / profits, %
31 Dec 10
Source: banks’ annual reports
5 April 2011
14
Profits and losses of banking groups
4,000
€m
2009
2010
3,000
2,000
1,000
0
-1,000
-2,000
-3,000
-4,000
Net interest
income
Source: banks’ annual reports
Other profits
Expenses
5 April 2011
Credit losses
Operating
profit
15