Liquidity and financing

At year-end, 16 (18) percent of Carnegie’s financing was comprised of equity and bonds while deposits from the public accounted for 71 (71) percent and other debt accounts for 13 (11) percent of the balance sheet total.

The stable financing in the form of equity and deposits and borrowing from the general public was considerably greater at year-end than Carnegie’s total lending. The loan-to-deposit ratio for the Group was 35 (41) percent.

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