Swedbank A

Earnings Release • Oct 23, 2025

National Storage Mechanism | Additional information

RNS Number : 4693E

Swedbank AB

23 October 2025

Press Release

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.

http://www.rns-pdf.londonstockexchange.com/rns/4693E_1-2025-10-22.pdf

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

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