About Swedbank Finans AB (publ):
Managing Director: Fredrik Enhorning
Sales Manager: Manne von Platen
Total assets: Eur 3,0 billion
Total sales: Eur 1,4 billion
No of employes: 148
Way to market :
. 1/ Owners network,
. 2/ Vendor finance
. 3/ Direct sales to fleet management customers

Subsidiary of Swedbank AB( publ ), Swedbank

Welcome to Swedbank Finans in Sweden.

Swedbank Finans, with its subsidiary ML Rental AB, is a wholly owned subsidiary of
Swedbank AB (publ), Swedbank, specializing in finance company products.

Swedbank Finans currently administers around 125,000 contracts. Total loan volume as of December 31,
2006 was approximately EUR 3.0 billion. The capital ratio was 28.4% and new sales amounted to EUR 1.4 billion.

Swedbank Finans distributes to and reaches its markets via Swedbanks local branches,
cooperating and independent savings banks, and suppliers and retailers in selected market sectors.

Operations target both consumers and corporations and are divided into three sales channels: Owners network, Vendor finance and Direct sales.

The Owners network channel works in an integrated fashion with Swedbanks branches and cooperating savings
banks to utilize their networks and local competence.

The Vendor finance channel cooperates directly with leading suppliers and retailers in selected industries. The
strength of these cooperations lies in the industry expertise of these partners, which is combined with the Swedbank
Finans own cutting-edge competence in financing.

The Direct sales channel turns to customers of fleet management of passenger cars through AutoPlan

The Vendor finance channel sales are divided into three units:
Heavy equipment (sales via suppliers of contracting, farming and forestry equipment);
IT & communication (sales via suppliers of office equipment, IT, telecommunications, etc.);
Consumers (sales via pleasure boat, recreational vehicle and car dealers).

Swedbank Finans overall market share was approximately 13% in 2006. In selected segments, such as
farming and contracting equipment (Heavy equipment), fleet management (AutoPlan) and cars, boats and recreational
vehicles (Consumers), it was significantly higher, however.

In total, sales rose by 7% compared with the previous year. The improvement was especially evident in
corporate business, where the cooperation with various industry specialists produced higher volumes.
The finance companys fleet administration and financing operations (AutoPlan) have remained successful.
AutoPlan is one of the largest players in the market. The market is very limited and highly competitive with few
companies, some of which have an international background and ownership. AutoPlan's marketshare remains stable.

In the Owners network channel, the finance companys products and operations have been further integrated with those of the bank,
which is critical to the companys continued development. Cooperating savings banks
actively participated during the year in product development and marketing, and further increased their business
volume with the finance company. Overall, sales of finance company products via owners network are increasing and
today account for about 60% of the total sales volume of the finance company.

Fredrik Enhorning
Managing Director