Liquidity and financing

At year-end (2018), 16 (16) percent of Carnegie’s financing was comprised of equity, while deposits from the public accounted for 73 (73) percent and other debt accounts for 11 (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 30 (35) percent. 

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