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: +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, 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
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