Financial Information

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Presentations and reports

Key ratios

Collector Bank’s financial reports include alternative performance measures which Collector Bank believes provides valuable information and enhances the analysis of the company'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] Q1 2023 Q4 2022 Q1 2022 FY 2022
Net interest income 809 839 645 2,899
Total income 882 928 723 3,212
Net profit for the period 305 346 260 1,141
Earnings per share before dilution, SEK 1.42 1.62 1.22 5.34
Earnings per share after dilution, SEK 1.42 1.62 1.22 5.34


BALANCE SHEET [SEK million] Q1 2023 Q4 2022 Q1 2022 FY 2022
Loans to the public 41,699 41,490 38,734 41,490
Deposits and borrowings from the public 36,442 36,842 32,519 36,842
Debt securities in issue 3,243 3,337 5,127 3,337
Subordinated liabilities - - 500 -
Total equity (shareholders of Collector Bank AB) 6,860 6,570 5,667 6,570


KEY RATIOS Q1 2023 Q4 2022 Q1 2022 FY 2022
Net interest margin (NIM) - Period 7.8 % 8.1 % 6.9 % 7.5 %
Net interest margin (NIM) - LTM 7.6 % 7.5 % 6.8 % 7.5 %
Credit losses, net - Period 2.6 % 2.5 % 2.1 % 2.4 %
Credit losses, net - LTM 2.5 % 2.4 % 2.4 % 2.4 %
C/I ratio - Period 26.0 % 24.9 % 26.7 % 25.9 %
C/I ratio - LTM 25.7 % 25.9 % 28.4 % 25.9 %
Return on equity (RoE) - Period 17.4 % 20.8 % 18.1 % 18.3 %
Return on equity (RoE) - LTM 18.2 % 18.3 % 16.0 % 18.3 %
CET1 ratio 1) 14.6 % 14.3 % 13.6 % 14.3 %
Tier 1 ratio 1) 15.7 % 15.4 % 14.8 % 15.4 %
Total capital ratio 1) 15.7 % 15.4 % 16.1 % 15.4 %
Average number of full-time employees 328 327 300 308


ADJUSTED KEY RATIOS Q1 2023 Q4 2022 Q1 2022 FY 2022
Net interest margin (NIM) - Period 7.8 % 8.1 % 6.9 % 7.5 %
Net interest margin (NIM) - LTM 7.6 % 7.5 % 6.8 % 7.5 %
Credit loss level - Period 2.6 % 2.5 % 2.1 % 2.4 %
Credit loss level - LTM 2.5 % 2.4 % 2.4 % 2.4 %
C/I ratio - Period 26.0 % 24.9 % 26.7 % 25.9 %
C/I ratio - LTM 25.7 % 25.9 % 28.4 % 25.9 %
Return on equity (RoE) - Period 17.4 % 20.8 % 17.6 % 18.2 %
Return on equity (RoE) - LTM 18.1 % 18.2 % 15.7 % 18.2 %

1) Key ratios according to capital adequacy rules (CRR)

Ownership structure

Shareholders as per 31 March 2023 
%
Fastighets AB Balder 44.1 %
Erik Selin 17.6 %
StrategiQ Capital AB 6.9 %
State Street Bank and Trust Company 4.5 %
Helichrysum Gruppen AB 3.3 %
Nordnet Pensionsförsäkring 2.6 %
JME Invest AB 2.0 %
SEB AB  1.5 %
Vante AB 1.4 %
Avanza Pension 1.2 %
Other shareholders 14.9 %
Total  100.0 % 
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Contact us

Madeleine Mörch
Madeleine Mörch Head of IR & Communications
Phone:
+46 73 712 04 52
Email:
madeleine.morch@collectorbank.se