Skandinaviska Enskilda Banken AB (publ) (BIT:1SEBA)

BIT:1SEBA Income Statement

Financials in millions SEK. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	-	149,403	135,394	56,150	31,383	37,578
Total Interest Income	-	149,403	135,394	56,150	31,383	37,578
Interest Paid on Deposits	-	104,152	87,868	22,707	5,286	12,435
Net Interest Income	41,661	45,251	47,526	33,443	26,097	25,143
Net Interest Income Growth (YoY)	-11.21%	-4.79%	42.11%	28.15%	3.79%	9.54%
Income From Trading Activities	9,841	12,121	9,991	9,242	8,235	6,275
Gain (Loss) on Sale of Assets	-	-	-	-	-	-7
Gain (Loss) on Sale of Investments	51	51	541	64	12	-33
Gain (Loss) on Sale of Equity Investments	348	348	277	-24	33	68
Other Non-Interest Income	26,129	24,116	21,860	21,752	21,261	18,265
Total Non-Interest Income	36,369	36,636	32,669	31,034	29,541	24,568
Non-Interest Income Growth (YoY)	3.56%	12.14%	5.27%	5.05%	20.24%	-9.61%
Revenues Before Loan Losses	78,030	81,887	80,195	64,477	55,638	49,711
Provision for Loan Losses	1,538	886	962	2,007	510	6,118
Revenue	76,492	81,001	79,233	62,470	55,128	43,593
Revenue Growth (YoY)	-5.41%	2.23%	26.83%	13.32%	26.46%	-8.88%
Salaries and Employee Benefits	20,001	18,803	16,655	15,116	14,551	14,076
Occupancy Expenses	2,495	2,171	1,999	2,077	1,923	1,920
Selling, General & Administrative	1,952	1,952	1,936	1,739	1,064	982
Other Non-Interest Expense	11,179	11,307	10,537	8,216	6,405	5,464
Total Non-Interest Expense	35,627	34,233	31,127	27,148	23,943	22,442
EBT Excluding Unusual Items	40,865	46,768	48,106	35,322	31,185	21,151
Asset Writedown	-8	-8	-	-1,400	-8	14
Other Unusual Items	-	-	-	-	-	-1,000
Pretax Income	40,140	46,043	47,964	33,739	30,864	19,846
Income Tax Expense	8,894	10,178	9,848	6,862	5,441	4,100
Earnings From Continuing Operations	31,246	35,865	38,116	26,877	25,423	15,746
Net Income	31,246	35,865	38,116	26,877	25,423	15,746
Net Income to Common	31,246	35,865	38,116	26,877	25,423	15,746
Net Income Growth	-14.97%	-5.91%	41.82%	5.72%	61.46%	-21.96%
Basic Shares Outstanding	2,007	2,049	2,094	2,137	2,164	2,163
Diluted Shares Outstanding	2,029	2,070	2,110	2,153	2,179	2,177
Shares Change (YoY)	-2.50%	-1.90%	-2.00%	-1.19%	0.09%	0.09%
EPS (Basic)	15.57	17.50	18.20	12.58	11.75	7.28
EPS (Diluted)	15.40	17.33	18.06	12.48	11.67	7.23
EPS Growth	-12.81%	-4.04%	44.71%	6.94%	61.41%	-22.09%
Dividend Per Share	8.500	8.500	8.500	6.750	10.100	4.100
Dividend Growth	-	-	25.93%	-33.17%	146.34%	-
Effective Tax Rate	22.16%	22.11%	20.53%	20.34%	17.63%	20.66%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.