Financial Information

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Key ratios

Collector’s financial reports include alternative performance measures which Collector believes provides valuable information and enhances the analysis of the Group’s financial development. These key ratios are not defined in IFRS and are not necessarily comparable to similar key ratios presented by other companies.

INCOME STATEMENT [SEK million]Q3 2019Q3 2018Jan-Sep 2019Jan-Sep 2018FY 2018
Net interest income 539 455 1 575  1 317 1 830
Total income 544 450 1 590 1 321 1 883
Profit for the period 164 153 481 412 566
Earnings per share before dilution, SEK 1,60 1,49 4,68 4,01 5,51
Earnings per share after dilution, SEK 1,60 1,49 4,68 4,01 5,51


BALANCE SHEET [SEK million]Q3 2019Q3 2018Jan-Sep 2019Jan-Sep 2018FY 2018
Loans to the public 30 577 23 124 30 577 23 124 26 104
Deposits and borrowings from the public 27 287 18 660 27 287 18 660 22 391
Debt securities in issue 2 915 2 957 2 915 2 957 2 799
Subordinated liabilities 994 499 994 499 499
Total equity 3 959 3 326 3 959 3 326 3 475


KEY RATIOSQ3 2019Q3 2018Jan-Sep 2019Jan-Sep 2018FY 2018
Net interest margin (NIM) - Period 7.2 % 8.2 % 7.4 % 8.2 % 8.0 %
Net interest margin (NIM) - LTM 7.8 % 8.4 % 7.8 % 8.4 % 8.0 %
Credit losses, net - Period 1.4 % 1.1 % 1.4 % 1.1 % 1.3 %
Credit losses, net - LTM 1.5 % 1.1 % 1.5 % 1.1 % 1.3 %
C/I ratio - Period 41.5 % 43.4 % 42.4 % 46.8 % 45.8 %
C/I ratio - LTM 42.6 % 47.4 % 42.6 % 47.4 % 45.8 %
Return on equity (RoE) - Period 16.9 % 18.9 % 17.2 % 17.2 % 17.3 %
Return on equity (RoE) - LTM 17.4 % 17.2 % 17.4 % 17.2 % 17.3 %
CET1 ratio 1) 11.4 % 13.6 % 11.4 % 13.6 % 11.9 %
Tier 1 ratio 1) 12.7 % 13.6 % 12.7 % 13.6 % 11.9 %
Total capital ratio 1) 14.2 % 15.6 % 14.2 % 15.6 % 13.7 %
Average number of full-time employees 371 388 376 394 390

1) Key ratios according to capital adequacy rules. Refers to capital adequacy rules.

Ownership structure

Ownership structure, 30 September 2019 
%
Fastighets AB Balder 44.1 %
StrategiQ Capital AB 12.7 %
Ernström Finans AB (SEB Life International) 5.4 %
Lena Apler (own holdings and through companies) 4.4 %

Swedbank Robur fonder

4.4 %
Avanza Pension 2.0 %
Handelsbanken Liv 1.9 %
Erik Selin  1.5 %
Vante AB 1.4 %
Other shareholders 22.2 %
Total  100 % 
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Contact us

Madeleine Mörch
Madeleine Mörch IR Manager
Phone:
+46 73 712 04 52
Email:
madeleine.morch@collectorbank.se