Swedbank is a modern bank with strong traditions which trace their origin to the history of savings banks in Sweden. The clients are 7.8 million individuals and more than 600 000 enterprises and organizations. Due to the foregoing, it is the largest bank in Sweden by number of clients and it takes the lead on other European markets, such as Estonia, Latvia and Lithuania. As the major bank, it occupies significant positions in the financial system and in the society. It tends to help the clients, shareholders and society as a whole to maintain and preserve strong and stable financial position. It is constantly working to establish close and long-term relationships with the clients. For the above reason, Swedbank has a wide network of branches and a well-developed system of services provided over the phone, through the Internet and mobile phone. Swedbank has reliable balance, capable of withstanding fluctuations in the economy. Risk assessment and risk management are part of its daily work.