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So much earn the major banks on their lending

last Year gave us a bit of a roller coaster ride for the major banks. During the final months of the great uncertainty prevailing on the financial markets, which, of course, affected the banks and in particular their commissions.

But still managed banks to a large extent manage the difficult market situation. And for the two banks which have half of the Swedish mortgage market, Swedbank and Handelsbanken, it was just the mortgage that became a counterweight to the pressure on the commission tiers.

on the mortgage loans in Sweden and slightly more than half of its total loans of 1.578 billion at the recent year-end accounts Swedish bolåntagare for – 799 billion. There was an increase of over five per cent, compared with a year earlier.

Even if the ceo Birgitte Bonnesen track a somewhat more subdued rate of growth for loans to households, she sees the housing market as stable.

– It is still relatively good activity. There are still good volumes, as she said to DN when the report presenterads in the last week.

what the bank takes in the interest rate and what it yourself need to pay - also increased slightly from 24.6 billion in 2017 to 25.2 billion in the previous year.

Profit before loan losses grew from 25.8 million to 27.4 billion.

Link to the graphics

the Contrast to Swedbank is Nordea, the Nordic region's largest bank and now based in Finland.

Nordea has been about equal to that of SEB when it comes to Swedish mortgages, but took a hefty whack in 2018. Although the increase in the total stock of Swedish mortgages from 442,7 billion to less than 446 billion.

less than the whole market. Nordea's market share fell from 14.2 per cent to 13.6 per cent.

To the DN writes presschefen Afroditi Kjellberg that the bank has started to reverse the trend.

– Our share of new lending is lower than our share, but we are going in the right direction. During the autumn we have gone steadily upward, from 2.5 per cent market share of new lending to closer to 5 percent, she writes.

She adds:

" We had a deliberate cautious approach 2017 as we did we grew slower than the market. It takes time to reverse such a trend, but we can now see that we have made.

from 4.666 million (eur 48,6 billion to 4.324 million (eur 45.5 billion).

The total result before loan losses fell from € 4.4 billion (45,8 billion) to € 4.1 billion (42.7 billion euros)

Handelsbanken is the second-largest in the mortgage markets in Sweden and could account for the largest percentage increase of housing loans to Swedish households among the large banks. It increased by seven per cent, from 732 billion to 780 billion during the last year.

by 5 per cent to 31.3 billion, and earnings rose from 22.7 billion to 22.9 billion crowns.

SEB increased its net interest income by six per cent to 21 billion. But it was mainly a result of lending to companies increased.

the Bank had a growth when it comes to mortgages, but it was in the modest two per cent, which is less than half of the market growth.

The overall Swedish mortgages SEB was on the 487,2 billion at the end of 2018.

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