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Our business plan

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Staying relevant for our customers and other stakeholders requires that we continuously adapt, innovate and challenge our business. With our strategy and business plan we aim to accelerate transformation, strengthen SEB's long-term profitability and create long-term value for our customers, shareholders and employees.

Business plan 2019–2021

The long-term strategy, Vision 2025, forms the foundation for the current three-year business plan 2019–2021, in which our overall targets and three focus areas are key components. Another important measure is the cost target.

Overall targets

Shareholder value is created through profitable growth and improved efficiency, while maintaining strong capital efficiency. SEB’s financial targets are:

  • A yearly dividend that is around 50 per cent of earnings per share.
  • A Common Equity Tier 1 (CET1) capital ratio of 100-300 basis points above the requirement from the Swedish Financial Supervisory Authority (FSA).
  • A return on equity that is competitive with peers.

In the long term, SEB aspires to reach a sustainable return on equity of 15 per cent.

SEB aims to ensure progress by evaluating the business in terms of customer satisfaction, employee engagement, sustainability and financial development.

Focus areas

To fulfil our vision and deliver in line with our long-term strategy, we have set out the way forward in our business plan for 2019–2021. We have identified three focus areas on which to base our efforts going forward: strengthening our advisory capabilities, accelerating operational efficiency and extending our offering digitally. Within our business plan, we also have a selection of strategic initiatives, which aim to accelerate transformation and strengthen SEB’s long-term profitability.

Advisory leadership

Offer customers proactive, tailored and value-adding advice, based on their specific needs and behaviours, through in-person and digital interaction.

Operational excellence

Enhance customer value by increasing the pace of digitalisation and automation while extending the use of data and analytics.

Extended presence

Meet our customers on their terms in their digital ecosystems and offer a combination of products and services from SEB and our partners.