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Swedbank SWOT & PESTLE Analysis

ID : 52810653| Nov 2020| 15 pages

COMPANY PROFILE -Swedbank

Business Sector :Banking and Financial Services

Operating Geography :Sweden, Estonia, Latvia and Lithuania

About Swedbank :

Swedbank AB is a banking group headquartered in Stockholm, Sweden and employees close to 16,000 people around the globe. The group is a leading banking and financial services provider in its home markets – Sweden, Estonia, Latvia and Lithuania with over seven million private customers and over half a million corporate customers. Their major offerings include services in lending, payments and savings. Föreningssparbanken AB was formed as a result of a merger between Föreningsbanken and Sparbanken Sverige in 1997. In 2006, Föreningssparbanken AB changed its name to Swedbank AB.
Sweden is Swedbank’s largest home market with approximately 160 branches across the country, 4 million private customers and fetching over half of the group’s overall profit. The group has a long-established partnership with the Savings Banks in Sweden and makes up approximately 30% of the combined sales of Swedbank’s products. Also, one-fifth of Swedbank’s total operating profit accounted by Baltic banking with Estonia being the largest market. The group also has international branches in China, Denmark, Finland, Norway and the USA. Net interest income contributes to the major part of their income while personnel and IT being the major cost factors.
Swedbank’s vision statement is to “Enable people, business and society to grow”.

Swedbank Revenue :


Total Income
SEK 45,960 million – FY ended Dec 2019 (YoY growth 3.9%)
SEK 44,222 million – FY ended Dec 2018

Competitive Analysis of Swedbank

SWOT
PESTLE
The SWOT analysis for Swedbank is presented below:
Strengths
Weaknesses
1. Leading financial services group in the Nordic-Baltic region
2. Maintaining low risks in operation
3. Market-leading cost-efficiency
4. Focus on continuous innovation
5. Continually rising volumes in core product areas
1. Declining brand reputation due to regulatory breaches
Opportunities
Threats
1. Expansion into other European countries
2. Attractive corporate banking solutions
3. Expanding the product portfolio
1. Risk of money laundering and terrorist financing schemes
2. Regulatory changes by authorities
3. The threat of fintechs in the financial services industry
SWOT & PESTLE (combined)
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Detailed SWOT Analysis of Swedbank

 

Strength

1. Leading financial services group in the Nordic-Baltic region: Swedbank is the leading bank for many households and businesses in their four major markets of Sweden, Estonia, Latvia and Lithuania. They cater to over seven million private customers and 550,000 corporate customers in these regions. As of 2019, the bank has 168 branches in Sweden and 99 in the Baltic countries. It also holds a significant market share in these countries under the areas of private and corporate lending and deposits, payments and funds. For private lending, the bank holds market share of 24% in Sweden, 44% in Estonia, 33% in Latvia and 38% in Lithuania. In the payments segment, the bank holds a market share of 36% in Sweden, 58% in Estonia, 51% in Latvia and 50% in Lithuania. To further strengthen the bank’s financial position, the Board of Directors has adopted a new dividend policy where 50% of the profit will be distributed to the shareholders. The bank also has solid capitalization which makes it capable to withstand any stressed scenario and remain competitive.

2. Maintaining low risks in operation: The Swedbank group maintains a strong capital surplus a robust margin to the minimum common equity Tier 1 capital ratio requirement as per the Swedish Financial Supervisory Authority. Swedbank has maintained credit impairments below 0.1% of total lending for more than five years in a row indicating low risk in lending activities. This is important for building trust with the clients as well as long-term survival. It also allows the group to finance their operations through deposits from the public and funding from the capital market in order to lend money to the households and corporates at competitive prices. The group has also revised its dividend policy from 75% to 50% to prep itself for any unforeseen future events. Also, the group’s Common Equity Tier 1 capital ratio was 17% (2019) compared with the required 15.1%.

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Weakness

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Opportunity

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Threat

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SWOT & PESTLE (combined)
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Swedbank SWOT & PESTLE Analysis - SWOT & PESTLE.COM

SWOT & PESTLE.com (2020). Swedbank SWOT & PESTLE Analysis - SWOT & PESTLE.com. [online] Available at: https://www.swotandpestle.com/swedbank/ [Accessed 29 Nov, 2020].

In-text: (SWOT & PESTLE.com, 2020)

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Swedbank SWOT and PESTLE analysis has been conducted by Saurabh Dewangan and reviewed by senior analysts from Barakaat Consulting.

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Swedbank SWOT & PESTLE Analysis
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