Sum of lending, deposits, fund savings and home mortgages (including volume intermediated via collaborations).
Equity plus interest-bearing liabilities.
Cash flow from operating activities for the period divided by the average number of shares outstanding.
Total costs in relation to total income.
The bank’s capital base in relation to risk-weighted assets.
Payments received for sold tangible and intangible non-current assets during the period according to the statement of cash flows.
Profit for the period, excluding non-controlling interests, divided by the average number of shares outstanding.
Operating profit before depreciation, amortisation and impairment (Earnings Before Interest, Taxes, Depreciation and Amortisation).
Equity including non-controlling interests in relation to total assets.
Equity, excluding non-controlling interests, divided by the total number of shares outstanding.
Net sales less cost of goods sold.
Investments paid in tangible and intangible non-current assets during the period according to the statement of cash flows.
Sales for stores that generated sales both in the reporting period and in the comparison period..
Loan losses in relation to average lending.
Interest-bearing liabilities excluding pensions, ICA Bank and cash and cash equivalents.
The difference between the bank’s interest income and interest expense.
Profit for the period as a percentage of net sales.
Gain/loss on disposal of non-current assets, impairment of non-current assets as well as major structural changes.
Market rents for rented properties divided by total rental value (contracted annual rent + market rent for unrented premises).
Operating profit as a percentage of net sales.
Profit after financial income in relation to average capital employed. ICA Bank’s operations are excluded from both the income statement and balance sheet when calculating return on capital employed.
Profit for the period in relation to average equity. ICA Bank’s operations are excluded from both the income statement and balance sheet when calculating return on equity.
Operating net in relation to the average book value of properties.
An international agreement between companies and trade unions to improve safety in the textile industry in Bangladesh.
British Retail Consortium Consumer Products, a standard for non-food products that covers product safety, quality and compliance.
British Retail Consortium Storage and Distribution, a quality standard for retailers that covers product safety, quality and compliance.
Business Social Compliance Initiative, European platform for social compliance in supplier countries.
ICA Gruppen's cross-organisational committee that suggests sustainability priorities and monitors ethical dilemmas, risks and public opinion.
Certification body for organic production, Norwegian equivalent to Sweden's KRAV.
Independent labelling system that promotes better working and living conditions for growers and their employees in countries with widespread poverty.
The Global Food Safety Initiative, a business-driven initiative for the continuous improvement of food safety management systems.
UN initiative to encourage companies to support human rights, labor and the environment.
Hazard Analysis and Critical Control Point, risk analysis and management program.
High-risk countries are as defined by the UN Human Development Index and Economic Security Index (UNDP).
Seven position statements that govern ICA's operations and serve as the foundation for the sustainability work.
Ethical Trading Initiative Norway, a forum for ethical trade and other challenges in global supply chains.
International standards for quality/food safety and environmental management systems.
Swedish independent labeling system for organic food.
Marine Stewardship Council, international ecolabel for seafood.
Independent labelling system that aims of working to conserve biodiversity and ensure sustainable livelihoods.
Roundtable on Sustainable Palm Oil, an organization established to promote the growth and use of certified sustainable palm oil.
Round Table on Responsible Soy, an organization established to promote the growth and use of certified sustainable soy.
Official Nordic ecolabel of the Nordic Council of Ministers.
Swedish industry standard for food handling and food safety in stores.
UN entity that support states in their water-related efforts to reach the Millennium Development Goals.
Independent labelling system and program for sustainable farming of agricultural products.
British Retail Consortium
A store that has generated sales throughout the comparison period.
All products where ICA is the primary contact for the product, essentially private label products.
Distinctly low-price store with a limited product range.
Cooperation project, a joint venture company.
A medium-term note is a continuously offered debt note with a predetermined maturity date.
Items that are not food, such as clothing and footwear.