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Swedbank A
Earnings Release • Oct 23, 2025
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Earnings Release
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23 October 2025
Swedbank's interim report for the third quarter 2025
Swedbank´s President and CEO Jens Henriksson comments:" Our customer focus is producing results."
- Return on equity 16.0%
- Solid credit quality
- Most loved brand in the Baltics for the seventh year in a row
| Financial information | Q3 | Q2 | Jan-Sep | Jan-Sep | ||
|---|---|---|---|---|---|---|
| SEKm | 2025 | 2025 | % | 2025 | 2024 | % |
| Total income | 17 105 | 16 962 | 1 | 51 396 | 55 470 | -7 |
| Net interest income | 10 819 | 10 917 | -1 | 33 225 | 36 993 | -10 |
| Net commission income | 4 117 | 3 902 | 6 | 12 071 | 12 430 | -3 |
| Net gains and losses on financial items | 847 | 856 | -1 | 2 245 | 2 763 | -19 |
| Other income¹ | 1 322 | 1 286 | 3 | 3 855 | 3 283 | 17 |
| Total expenses | 6 030 | 6 119 | -1 | 18 264 | 18 636 | -2 |
| Profit before impairments, bank taxes and resolution fees | 11 075 | 10 843 | 2 | 33 131 | 36 834 | -10 |
| Impairment of tangible and intangible assets | 0 | 0 | 0 | 32 | -99 | |
| Credit impairments | -398 | 150 | -389 | 126 | ||
| Bank taxes and resolution fees | 663 | 677 | -2 | 2 269 | 3 162 | -28 |
| Profit before tax | 10 809 | 10 016 | 8 | 31 251 | 33 513 | -7 |
| Tax expense | 2 298 | 2 130 | 8 | 6 657 | 7 112 | -6 |
| Profit for the period | 8 512 | 7 886 | 8 | 24 593 | 26 401 | -7 |
| Earnings per share, SEK, after dilution | 7.53 | 6.99 | 21.77 | 23.37 | ||
| Return on equity, % | 16.0 | 15.4 | 15.4 | 17.5 | ||
| C/I ratio | 0.35 | 0.36 | 0.36 | 0.34 | ||
| Common Equity Tier 1 capital ratio, % | 19.7 | 19.7 | 19.7 | 20.4 | ||
| Credit impairment ratio, % | -0.08 | 0.03 | -0.03 | 0.01 |
1) Other income includes the items Net insurance, Share of profit or loss of associates and joint ventures, and Other income from the Group income statement.
Contact:
Maria Caneman, Head of Investor Relations
Phone: +46 72 238 32 10
E-mail: [email protected]
Hannes Mård, Head of Press Phone: +46 73 057 41 95
Email: [email protected]
This information constitutes inside information that Swedbank is obliged to make public pursuant to the EU Market Abuse Regulation (EU nr 596/2014). The information was submitted for publication, through the agency of the contact person set out above, 23 October 2025, at 07:00 CEST.
Swedbank empowers the many people and businesses to create a better future. Our vision is a financially sound and sustainable society. Swedbank Group is the leading bank with over 7 million retail customers and 550 000 corporate customers in our four home markets: Sweden, Estonia, Latvia and Lithuania. Swedbank Group is also present in other Nordic countries, the U.S. and China. Together we make your financial life easier. Find out more: www.swedbank.com