Swedbank's interim report for the third quarter 2025

23 Oct 2025 07:00 CEST

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 847  856  -1  2?245  2?763  -19
financial items
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, 11?075 10?843 2 33?131 36?834 -10
bank taxes and resolution
fees
Impairment of tangible and 0  0  0  32  -99
intangible assets
Credit impairments  -398  150  -389  126
Bank taxes and resolution 663  677  -2  2?269  3?162  -28
fees
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, 7.53  6.99  21.77  23.37
after dilution
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 19.7  19.7  19.7  20.4
ratio, %
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: maria.caneman@swedbank.se

Hannes Mård, Head of Press
Phone: +46 73 057 41 95
Email: hannes.mard@swedbank.se

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

More information:
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657744_Interim_Report_Q3_2025.pdf
657744_Press_release_Swedbanks_interim_report_for_the_third_quarter_2025.pdf