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Klarna Group

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Klarna Group

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summary Unit
2011 2012 2013 2014 2015 2016 2017 2018

income statement

... ... ... 828 968 1,181    
  1,170 1,572 1,980 2,582 3,290    
  203 277 329 505 592    
  24.0 54.1 75.2 127 113    

balance sheet

  460 613 756 500 1,235    
  2,860 3,501 4,513 6,104 8,450    
... ... ... 500 790 942    
  3,627 4,624 7,195 8,755 12,085    
  779 832 2,029 2,519 2,792    
  75.7 168 386 709 755    
  2,203 2,680 3,705 3,959 5,839    
... ... ... ... ... ...    

ratios

  3.61% 6.72% 5.26% 5.59% 4.26%    
  0.733% 1.31% 1.27% 1.60% 1.09%    
  29.6% 31.4% 27.9% 26.0% 25.9%    
  82.6% 82.4% 83.4% 80.4% 82.0%    
... 23.4% 17.8% 15.2% 19.2% 18.8%    
... ... ... 14.0% 12.1% 11.3%    
... ... ... 41.8% 37.5% 35.9%    
... ... ... 58.4% 62.7% 64.3%    
... ... ... 42.9% 43.8% 39.9%    
  21.5% 18.0% 28.2% 28.8% 23.1%    
  130% 131% 122% 154% 145%    
  78.9% 75.7% 62.7% 69.7% 69.9%    
... ... ... ... 3.98% 4.60%    
... ... ... ... 142% 107%    

Download Data
income statement Unit
2011 2012 2013 2014 2015 2016 2017 2018

income statement

Interest Income SEK mil
Interest Cost SEK mil
Net Interest Income SEK mil
Net Fee Income SEK mil
Other Income SEK mil
Total Revenues SEK mil
Staff Cost SEK mil
Depreciation SEK mil
Other Cost SEK mil
Operating Cost SEK mil
Operating Profit SEK mil
Provisions SEK mil
Extra and Other Cost SEK mil
Pre-Tax Profit SEK mil
Tax SEK mil
Net Profit SEK mil
... ... ... 923 1,053 1,283    
... ... ... 94.3 84.7 102    
... ... ... 828 968 1,181    
... ... ... 1,156 1,618 2,115    
... ... ... -4.31 -4.31 -6.69    
  1,170 1,572 1,980 2,582 3,290    
... ... ... 708 908 1,077    
... ... ... 98.0 104 113    
... ... ... 845 1,064 1,508    
  967 1,295 1,651 2,076 2,698    
  203 277 329 505 592    
  172 210 228 335 424    
  0 0 0 0 0    
  31.6 66.8 101 170 168    
  7.67 12.7 26.0 42.7 54.8    
  24.0 54.1 75.2 127 113    

growth rates

... ... ... ... 16.9% 21.9%    
... ... ... ... 39.9% 30.8%    
... 56.0% 34.3% 26.0% 30.4% 27.4%    
... ... ... ... 25.8% 29.9%    
... 74.4% 33.9% -74.6% 53.4% 17.1%    
... -53.8% 111% 51.8% 67.7% -1.22%    
... -52.9% 126% 39.0% 69.1% -11.0%    

Download Data
balance sheet Unit
2011 2012 2013 2014 2015 2016 2017 2018

balance sheet

... ... ... 0.015 0.055 0.040    
  460 613 756 500 1,235    
  2,860 3,501 4,513 6,104 8,450    
... ... ... 500 790 942    
... ... ... 1,330 1,245 1,267    
  3,627 4,624 7,195 8,755 12,085    
  779 832 2,029 2,519 2,792    
  0 0 0 0 0    
  2,848 3,792 5,166 6,236 9,293    
  75.7 168 386 709 755    
  2,203 2,680 3,705 3,959 5,839    
... ... ... 3,343 3,514 5,301    
... ... ... 362 445 539    
... ... ... ... ... ...    
... ... ... ... ... ...    

asset quality

... ... ... ... 258 409    
... 3,046 3,718 4,748 6,470 8,887    
... 185 218 234 366 437    

growth rates

... 34.7% 22.4% 28.9% 35.2% 38.4%    
... 24.5% 27.5% 55.6% 21.7% 38.0%    
... 42.2% 6.86% 144% 24.1% 10.8%    
... 17.6% 21.6% 38.2% 6.87% 47.5%    
... ... ... ... 5.11% 50.8%    
... ... ... ... 23.1% 21.0%    

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ratios Unit
2011 2012 2013 2014 2015 2016 2017 2018

ratios

  3.61% 6.72% 5.26% 5.59% 4.26%    
  0.733% 1.31% 1.27% 1.60% 1.09%    
  29.6% 31.4% 27.9% 26.0% 25.9%    
  82.6% 82.4% 83.4% 80.4% 82.0%    
... 23.4% 17.8% 15.2% 19.2% 18.8%    
... 23.4% 17.8% 15.2% 19.2% 15.9%    
... ... ... 14.0% 12.1% 11.3%    
... ... ... 13.5% 11.7% 11.0%    
... ... ... 15.6% 13.2% 12.3%    
... ... ... 2.10% 1.48% 1.32%    
... ... ... 41.8% 37.5% 35.9%    
... ... ... 58.4% 62.7% 64.3%    
... ... ... -0.218% -0.167% -0.203%    
... ... ... 8,156 8,680 8,242    
... ... ... 58,017 70,486 72,126    
... ... ... 42.9% 43.8% 39.9%    
  21.5% 18.0% 28.2% 28.8% 23.1%    
  130% 131% 122% 154% 145%    
  78.9% 75.7% 62.7% 69.7% 69.9%    
... ... ... ... 3.98% 4.60%    
... ... ... ... 142% 107%    
... 6.48% 6.22% 5.20% 5.99% 5.17%    
  6.89% 6.60% 5.69% 6.32% 5.82%    

Download Data
other data Unit
2011 2012 2013 2014 2015 2016 2017 2018

other data

  672 778 1,017 1,074 1,244    

Download Data
Klarna Group in Numbers

This Annual statistical dossier offers a summary of Klarna Group's performance between 2011 and 2018 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital

Read more »

This Annual statistical dossier offers a summary of Klarna Group's performance between 2011 and 2018 on an annual basis. The report can be downloaded as an excel file.

You will find here the key numbers from the bank's balance sheet and income statement and the main ratios related to the bank's business such as asset quality, capital ratios, number and cost of employees or a detailed breakdown of some of the bank's business such as its loan portfolio.

In addition, the excel file provides a detailed overview of the bank's market position in comparison with the overall banking sector. You can, for example, track Klarna Group's market position in mortgage or consumer lending.

If you are only interested in particular areas of the bank's business, you can find and download specific indicators from the bank's corporate profile, or specific charts from the bank's charts section, where you can find a comparison of the bank with its peers.

If you are interested in the bank’s quarterly figures, please refer to the bank’s quarterly statistical dossier.

Klarna Group's capital adequacy ratio reached 15.0% at the end of 2018, down from 18.2% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 23.4% in 2012 and an all time low of 15.0% in 2018.

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Klarna Group's capital adequacy ratio reached 15.0% at the end of 2018, down from 18.2% compared to the previous year. Historically, the bank’s capital ratio hit an all time high of 23.4% in 2012 and an all time low of 15.0% in 2018.

The Tier 1 ratio amounted to 12.8% at the end of 2018, down from 16.3% compared to a year earlier.

Bank's loan to deposit ratio reached 137% at the end of 2018, down from 163% when compared to the previous year.

You can see all the bank’s data at Klarna Group Profile, or you can download a report on the bank in the report section.

Klarna Group's customer loan growth reached 44.0% in 2018, down from 64.2% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 64.2% in 2017 and an all time low of 22.4% in 2013.

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Klarna Group's customer loan growth reached 44.0% in 2018, down from 64.2% compared to the previous year. Historically, the bank’s loans growth reached an all time high of 64.2% in 2017 and an all time low of 22.4% in 2013. In the last decade, the average annual loan growth amounted to 0.000%.

On the other hand, bank's customer deposit growth amounted to 71.7% at the end of 2018, up from 45.4% when compared to the previous year. Historically, the bank’s deposit growth reached an all time high of 71.7% in 2018 and an all time low of 6.87% in 2015. In the last decade, the average annual loan growth amounted to 0.000%.

At the end of 2018, Klarna Group's loans accounted for 137% of total deposits and 70.8% of total assets.

You can see all the bank’s data at Klarna Group Profile, or you can download a report on the bank in the report section.

Klarna Group generated total banking revenues of SEK 5,450 mil in 2018, up 31.1% compared to the previous year.

Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time

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Klarna Group generated total banking revenues of SEK 5,450 mil in 2018, up 31.1% compared to the previous year.

Historically, the bank’s revenues containing of interest, fee and other non-interest income reached an all time high of SEK 5,450 mil in 2018 and an all time low of SEK 1,980 mil in 2014. The average revenue in the last five years amounted to SEK 3,492 mil.

Net interest income represented 33.1% of total revenues, fee income contributed 67.3% and other non-interest income added further -0.395% to the overall revenue generation in 2018.

Bank's total revenues accounted for 19.3% total assets in 2018, down from 21.9% a year earlier.

You can see all the bank’s data at Klarna Group Profile, or you can download a report on the bank in the report section.

Klarna Group's net interest margin amounted to 7.63% in 2018, down from 9.34% compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 14.0% in 2014 and an all time low of

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Klarna Group's net interest margin amounted to 7.63% in 2018, down from 9.34% compared to the previous year.

Historically, the bank’s net interest margin reached an all time high of 14.0% in 2014 and an all time low of 7.63% in 2018. The average margin in the last five years amounted to 10.9%.

Average asset yield was 8.61% in 2018, down from 10.2% when compared to previous year. On the other hand, cost of funding amounted to 1.22% in 2018, up from 1.15%.

You can see all the bank’s data at Klarna Group Profile, or you can download a report on the bank in the report section.

See all charts of the company »
Klarna Group's capital adequacy ratio fell 17.6% to 15.0% in 2018
Klarna Group's net profit fell 70.0% to SEK 103 mil in 2018
Klarna Group's net interest margin fell 18.3% to 7.63% in 2018
Klarna Group's net interest income rose 24.0% to SEK 1,802 mil in 2018
Klarna Group's customer loan growth fell 31.5% to 44.0% in 2018