Financial Information

Here you will find Collector Bank's latest and previous interim reports, annual reports and presentations. You will also find our subscription service for public information, presentations and more.

Presentations and reports

Annual reports for the current group structure with Collector Bank AB as the parent company. For earlier annual reports, please see Archive.

2022

Presentations and reports for the current group structure with Collector Bank AB as the parent company. For earlier material, please see Archive.

2022

  Presentation  Reports Periodic info
Q4      
Q3 Q3 2022
Webcast
Jan-Sep
Key Financials
Q3 (SE)
Q2      
Q1      

 

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] Q3 2022 Q2 2022 Q3 2021 Jan-Sep 2022 Jan-Sep 2021 FY 2021
Net interest income 733 681 595 2 060 1 700 2 323
Total income 811 751 668 2 284 1 932 2 637
Net profit for the period 295 239 201 795 519 753
Earnings per share before dilution, SEK 1.38 1.11 0.93 3.72 2.38 3.47
Earnings per share after dilution, SEK 1.38 1.11 0.93 3.72 2.38 3.47


BALANCE SHEET [SEK million] Q3 2022 Q2 2022 Q3 2021 Jan-Sep 2022 Jan-Sep 2021 FY 2021
Loans to the public 41,514 40,795 35,624 41,514 35,624 36,214
Deposits and borrowings from the public 37,567 36,172 30,368 37,567 30,368 31,351
Debt securities in issue 3,368 3,847 2,773 3,368 2,773 5,229
Subordinated liabilities - - 500 - 500 500
Total equity (shareholders of Collector Bank AB) 6,236 5,285 5,191 6,236 5,191 5,416


KEY RATIOS Q3 2022 Q2 2022 Q3 2021 Jan-Sep 2022 Jan-Sep 2021 FY 2021
Net interest margin (NIM) - Period 7.1 % 6.9 % 6.8 % 7.1 % 6.7 % 6.8 %
Net interest margin (NIM) - LTM 7.0 % 6.7 % 6.7 % 7.0 % 6.7 % 6.8 %
Credit losses, net - Period 2.3 % 2.4 % 2.6 % 2.3 % 2.7 % 2.6 %
Credit losses, net - LTM 2.3 % 2.3 % 2.7 % 2.3 % 2.7 % 2.6 %
C/I ratio - Period 24.7 % 27.5 % 27.4 % 26.3 % 30.6 % 30.0 %
C/I ratio - LTM 26.7 % 27.4 % 32.0 % 26.7 % 32.0 % 30.0 %
Return on equity (RoE) - Period 18.7 % 15.8 % 15.0 % 17.5 % 13.2 % 14.1 %
Return on equity (RoE) - LTM 17.3 % 16.4 % 12.0 % 17.3 % 12.0 % 14.1 %
CET1 ratio 1) 13.5 % 13.3 % 13.4 % 13.5 % 13.4 % 13.9 %
Tier 1 ratio 1) 14.6 % 14.5 % 14.7 % 14.6 % 14.7 % 15.1 %
Total capital ratio 1) 14.6 % 14.5 % 16.0 % 14.6 % 16.0 % 16.4 %
Average number of full-time employees 308 300 301 303 302 301


ADJUSTED KEY RATIOS Q3 2022 Q2 2022 Q3 2021 Jan-Sep 2022 Jan-Sep 2021 FY 2021
Net interest margin (NIM) - Period 7.1 % 6.9 % 6.8 % 7.1 % 6.6 % 6.8 %
Net interest margin (NIM) - LTM 7.0 % 6.7 % 6.6 % 7.0 % 6.6 % 6.8 %
Credit loss level - Period 2.3 % 2.4 % 2.6 % 2.3 % 2.7 % 2.6 %
Credit loss level - LTM 2.3 % 2.3 % 2.7 % 2.3 % 2.7 % 2.6 %
C/I ratio - Period 24.7 % 27.5 % 27.4 % 26.3 % 30.8 % 30.1 %
C/I ratio - LTM 26.7 % 27.4 % 32.1 % 26.7 % 32.1 % 30.1 %
Return on equity (RoE) - Period 18.7 % 15.5 % 14.7 % 17.4 % 12.7 % 13.8 %
Return on equity (RoE) - LTM 17.2 % 16.2 % 11.6 % 17.2 % 11.6 % 13.8 %

1) Key ratios according to capital adequacy rules

Ownership structure

Shareholders as per 30 September 2022 
%
Fastighets AB Balder 44.1 %
Erik Selin 16.7 %
StrategiQ Capital AB 6.9 %
Helichrysum Gruppen AB 3.6 %
State Street Bank and Trust Company 3.3 %
SEB Life International 2.1 %
Nordnet Pensionsförsäkring 1.5 %
SEB AB  1.5 %
Vante AB 1.4 %
Avanza Pension 1.3 %
Other shareholders 17.8 %
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