Swedbank's Full-year report 2025

29 Jan 2026 07:15 CET

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 Full
-year -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 982  847  16  3?227  3?687  -12
financial items
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, 11?072 11?075 0 44?203 48?728 -9
bank taxes and resolution
fees
Impairment of tangible and 0  0  0  790  -100
intangible assets
Credit impairments  355  -398  -34  -268  -87
Bank taxes and resolution 713  663  8  2?982  4?019  -26
fees
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, 7.22  7.53  28.98  30.86
after dilution
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 17.8  19.7  17.8  19.8
ratio, %
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: +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
persons 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

More information:
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664393_Press_release_Swedbank_s_Full_year_report_2025.pdf
664393_Interim_Report_Q4_2025.pdf