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: +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 persons set out above, 29 January 2026, at 07:15 CET.