Skandinaviska Enskilda Banken AB (SEB) is a northern European financial group for corporate customers, institutions and private individuals. Its activities mainly comprise banking services, but SEB also carries out life insurance operations. SEB serves approximately 2,500 corporate customers and institutions, 400,000 small and medium-sized companies and more than five million private customers. The Company operates through four divisions: Merchant Banking, offering integrated investment and corporate banking solutions; Retail Banking, comprising SEB’s retail operations in Sweden, Germany and the Baltic Countries, as well as the card business; Wealth Management, including the Institutional Clients business area and the Private Banking business area, and Life, responsible for SEB’s life insurance activities. The Company operates in the Nordic and Baltic countries, Germany, Poland, Russia and Ukraine.