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NINGUNO


	President’s Message
	"Entering the next phase of our transformation journey " Ever since SEB was founded in 1856 we have been committed to delivering long-term value to ...
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	Business Segments
	Operating segments The Group consists of two business units and support functions. The Group’s activities are segmented into business units according to ...
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	Year in Brief
	Financial Review 2018 Operating profit 1 –12%, in local currencies –10% Total operating income 1 –11%, in local currencies –9% Total operating expenses-7%, in ...
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