Swedbank’s Full-year report 2025

Swedbank AB

29 January 2026

 

Press Release

29 January 2026

Swedbank's Full-year report 2025

Swedbank´s President and CEO Jens Henriksson comments: "2025 was a successful year for Swedbank."

·    Return on equity was 14.7 per cent for the quarter and 15.2 per cent for the full year 2025

·    Proposed dividend of SEK 29.80 per share, including a special dividend of SEK 9.35

·    Swedbank acquired Entercard and Stabelo

Financial information	Q4	Q3		Full-year	Full-year
SEKm	2025	2025	%	2025	2024	%
Total income	17 340	17 105	1	68 736	74 104	-7
Net interest income	10 775	10 819	0	44 000	49 267	-11
Net commission income	4 249	4 117	3	16 320	16 716	-2
Net gains and losses on financial items	982	847	16	3 227	3 687	-12
Other income¹	1 334	1 322	1	5 189	4 435	17
Total expenses	6 268	6 030	4	24 532	25 376	-3
Profit before impairments, bank taxes and resolution fees	11 072	11 075	0	44 203	48 728	-9
Impairment of tangible and intangible assets	0	0		0	790	-100
Credit impairments	355	-398		-34	-268	-87
Bank taxes and resolution fees	713	663	8	2 982	4 019	-26
Profit before tax	10 004	10 809	-7	41 255	44 187	-7
Tax expense	1 838	2 298	-20	8 496	9 320	-9
Profit for the period	8 166	8 512	-4	32 759	34 866	-6
Earnings per share, SEK, after dilution	7.22	7.53		28.98	30.86
Return on equity, %	14.7	16.0		15.2	17.1
C/I ratio	0.36	0.35		0.36	0.34
Common Equity Tier 1 capital ratio, %	17.8	19.7		17.8	19.8
Credit impairment ratio, %	0.07	-0.08		0.00	-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: [phone]
E-mail: [e-mail]

Hannes Mård, Head of Press
Phone: [phone]
Email: [e-mail]

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, 29 January 2026, at 07:15 CET.

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

http://www.rns-pdf.londonstockexchange.com/rns/8130Q_1-2026-1-28.pdf

 

END