Financial Information

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Presentations and reports

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] Q4 2019 Q4 2018 Jan-Dec 2019 Jan-Dec 2018
Net interest income 528 513 2 102  1 830
Total income 671 563 2 260 1 883
Net profit for the period -489 154 -8 566
Earnings per share before dilution, SEK -4,76 1,50 -0,08 5,51
Earnings per share after dilution, SEK -4,76 1,50 -0,08 5,51


BALANCE SHEET [SEK million] Q4 2019 Q4 2018 Jan-Dec 2019 Jan-Dec 2018
Loans to the public 29 880 26 104 29 880 26 104
Deposits and borrowings from the public 29 454 22 391 29 454 22 391
Debt securities in issue 2 599 2 799 2 599 2 799
Subordinated liabilities 994 499 994 499
Total equity 3 467 3 475 3 467 3 475


KEY RATIOS Q4 2019 Q4 2018 Jan-Dec 2019 Jan-Dec 2018
Net interest margin (NIM) - Period 7.0 % 8.3 % 7.5 % 8.0 %
Net interest margin (NIM) - LTM 7.5 % 8.0 % 7.5 % 8.0 %
Credit losses, net - Period 12.3 % 2.1 % 4.4 % 1.3 %
Credit losses, net - LTM 4.4 % 1.3 % 4.4 % 1.3 %
C/I ratio - Period 62.8 % 43.4 % 48.4 % 45.8 %
C/I ratio - LTM 48.4 % 45.8 % 48.4 % 45.8 %
Return on equity (RoE) - Period Neg. 18.1 % Neg. 17.3 %
Return on equity (RoE) - LTM Neg. 17.3 % Neg. 17.3 %
CET1 ratio 1) 10.0 % 11.9 % 10.0 % 11.9 %
Tier 1 ratio 1) 11.0 % 11.9 % 11.0 % 11.9 %
Total capital ratio 1) 12.0 % 13.7 % 12.0 % 13.7 %
Average number of full-time employees 363 377 371 390

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

Ownership structure

Ownership structure, 31 December 2019 
%
Fastighets AB Balder 44.1 %
StrategiQ Capital AB 13.2 %
SEB Life International 6.4 %
Lena Apler 4.6 %

Erik Selin

3.3 %
Avanza Pension 2.4 %
Handelsbanken Liv 2.0 %
SEB AB  1.5 %
Vante AB 1.4 %
JP Morgan Bank Luxembourg S.A. 1.3 %
Other shareholders 19.9 %
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