FreningsSparbanken

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Capital market day Stockholm, Sweden November 30,
2001
FöreningsSparbanken Lars-Erik KvistGroup EVP and
Chief Credit Officer
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Lending
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Group lending 09/98 09/01 Net excl. repurchase
agreements
SEK bn
FIH and Hansabank
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Lending
Sep. 30, Jun. 30, Mar. 31, Dec. 31, SEK
bn 2001 2001 2001 2000 Households
285 282 274 270 of which Spintab
Group 224 220 214 210 Real estate management
137 135 136 131 Retail, hotels, restaurants
25 25 24 23 Construction 11 10 10 10 Manufacturi
ng 51 49 49 44 Transportation 15 14 12 12 Forest
ry and agriculture 27 27 26 25 Other service
businesses 15 15 15 16 Other business lending
incl credit institutions 62 59 54 50 Municipalitie
s 13 14 14 14 Other 10 10 11 13 Total 651 640 6
25 608 Repurchase agreements 38 26 40 29 Total
lending 689 666 665 637
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Group lending
FSPA excl. Hansabank and FIH
Hansabank FIH
2001 2000 2001 2000 2001 2000 SEK
bn 09/30 12/31 09/30 12/31 09/30 12/31 Households
279.4 266.5 5.8 3.6 0.0 0.0 of which Spintab
Group 223.9 210.2 Real estate management 117.0 116
.6 1.9 1.5 17.9 13.1 Retail, hotels,
restaurants 16.2 15.7 3.5 2.9 5.2 4.8 Construction
8.5 7.9 0.6 0.4 1.5 1.3 Manufacturing 13.9 12.7
3.9 2.8 33.3 28.2 Transportation 7.0 5.6 2.5 1.8 6
.0 4.1 Forestry and agriculture 26.5 24.8 0.6 0.5
0.1 0.1 Other service businesses 11.3 12.8 1.5 0.9
1.7 2.0 Other business lending incl. credit
institutions 50.3 41.6 1.9 0.9 9.7 7.8 Municipalit
ies 13.4 14.2 0.0 0.0 0.0 0.0 Other
10.0 12.8 0.0 0.0 0.0 0.0 Total 553.5 531.2 22.2
15.3 75.4 61.4
Excl. repurchase agreements
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Group lending Excl. repurchase agreements
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Lending by collateral September 30, 2001
Unsecured, 12
Other collateral, 5
Personal guarantee, 2
Floating charges, 3
Credit institutions, 2
Municipalities and county councils, 8
Other properties, 18
Single-family homes incl condominiums, 37
Multi-family housing, 13
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Problem loans
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Problem loans gross by Group unit
Sep. 30, Jun. 30, Dec. 31, Sep. 30, SEK M 2001
2001 2000 2000 FöreningsSparbanken
AB 1,893 1,728 1,495 1,710 Spintab 734 771 921 1,1
12 FöreningsSparbanken Finans 134 120 210 224 FIH
370 267 227 172 Hansabank 698 662 315 357 Others
274 270 196 227 Total 4,103 3,818 3,364 3,80
2
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Problem loans net by Group unit
Sep. 30, Jun. 30, Dec. 31, Sep. 30, SEK M 2001
2001 2000 2000 FöreningsSparbanken
AB 115 46 111 134 Spintab 243 318 420 464 Förening
sSparbanken Finans 78 65 154 151 FIH 815
831 786 806 Hansabank 169 92 71
38 Others 208 229 155 187 Total 2 81
17 92
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Loan losses
SEK M Jan-Sep 2001 Jan-Sep 2000 Established
503 744 Provisions 1,124 836 Recoveries
764 697 Change in value of property taken over
15 3 Total 878 880
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Loan losses by Group unit
SEK M Jan-Sep 2001 Jan-Sep 2000
FöreningsSparbanken AB 685 571 Spintab 178 224 FI
H 74 65 Hansabank 3 136 Others 62 116
Total 878 880
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Credit exposure September 30, 2001 book value
SEK M
Country Sep. 30, 2001 Dec. 31, 2000 Change Sweden
608,678 602,133 6,545 Rest of OECD 169,111
138,630 30,481 Latin America 1,306 1,236 70 of
which Brazil 350 385 35 Baltic region 31,213
18,969 12,244 Russia 95 64 31 Japan 1,356
1,084 272 Rest of East Asia 1,512 1,125 387 of
which China 125 38 87 of which South
Korea 544 467 77 Other countries 3,187
2,760 427 Total 816,458 766,001 50,457
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Priorities
Short term/2001
Long term
Take advantage of securitization model
Securitizations of 100 risk-weighted assets

Capital efficiency
Product areas within lending have been
coordinated - Focus on sales via
Internet - Single credit flow - Economies of
scale in producion/backoffice
Raise distribution efficiency through a
higher degree of Internet - Decision-making
support
Cost efficiency
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Priorities
Short term/2001
Long term
Good growth in Stockholm during 2001
Further development concepts for large
cities Develop coordination of branch,
Internet and telephone strategy tied to
lending business. 5 of business volumes are
via Internet Supplier cooperations
Continued development of Lending-products
via Internet
Growth
Stage 1 of risk-based pricing completed
Develop and implement new pricing logic -
risk - type of product - distribution channel
New pricing logic
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Priorities Lending 2002

• Continued focus on operational efficiency in
  production and distribution
• Increased market activity in the metropolitan
  areas, primarily Stockholm
• Lending to households will show steady
  margins and increased volumes
• Coordination of Internet, Telephone and branch
  office operations
• Continuos high focus on controlling risk
• Actions for rationalisation of capital

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Appendix
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Exposure - Aviation, Shipping September 30, 2001
FöreningsSparbanken, Group Line of business SEK
M Aviation Aircraft financing 467 Air
carriers 1,216 Aviation service
companies 2,340 Aircraft manufactoring
industry 365 Shipping 5,536
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Exposure Aviation, Shipping September 30, 2001
Aviation Shipping Ai
rcraft Air Aviation Aircraft financing carriers s
ervice industry companies Förenings Sparbank
en 132 497 0 365 5,268 FIH 335 597 2,340 0 52 Ha
nsabank 0 122 0 0 216 Totalt 467 1,216 2,340 365
5,536
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Exposure Insurance companies
September 30, 2001
FöreningsSparbanken, Group Line of business SEK
M Life insurance companies 4,769 Property
insurance companies 626
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Loan losses, the Group
SEK M