FRA:SEBA Income Statement

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

Millions SEK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	116,834	149,403	135,394	56,150	31,383
Total Interest Income	116,834	149,403	135,394	56,150	31,383
Interest Paid on Deposits	75,537	104,152	87,868	22,707	5,286
Net Interest Income	41,297	45,251	47,526	33,443	26,097
Net Interest Income Growth (YoY)	-8.74%	-4.79%	42.11%	28.15%	3.79%
Income From Trading Activities	9,090	12,121	9,991	9,242	8,235
Gain (Loss) on Sale of Investments	-	51	541	64	12
Gain (Loss) on Sale of Equity Investments	-	348	277	-24	33
Other Non-Interest Income	26,551	24,116	21,860	21,752	21,261
Total Non-Interest Income	35,641	36,636	32,669	31,034	29,541
Non-Interest Income Growth (YoY)	-2.72%	12.14%	5.27%	5.05%	20.24%
Revenues Before Loan Losses	76,938	81,887	80,195	64,477	55,638
Provision for Loan Losses	1,548	886	962	2,007	510
Revenue	75,390	81,001	79,233	62,470	55,128
Revenue Growth (YoY)	-6.93%	2.23%	26.83%	13.32%	26.46%
Salaries and Employee Benefits	20,553	18,803	16,655	15,116	14,551
Occupancy Expenses	2,472	2,171	1,999	2,077	1,923
Selling, General & Administrative	-	1,952	1,936	1,739	1,064
Other Non-Interest Expense	12,532	11,307	10,537	8,216	6,405
Total Non-Interest Expense	35,557	34,233	31,127	27,148	23,943
EBT Excluding Unusual Items	39,833	46,768	48,106	35,322	31,185
Asset Writedown	-	-8	-	-1,400	-8
Pretax Income	38,898	46,043	47,964	33,739	30,864
Income Tax Expense	7,835	10,178	9,848	6,862	5,441
Net Income	31,063	35,865	38,116	26,877	25,423
Net Income to Common	31,063	35,865	38,116	26,877	25,423
Net Income Growth	-13.39%	-5.91%	41.82%	5.72%	61.46%
Basic Shares Outstanding	1,991	2,049	2,094	2,137	2,164
Diluted Shares Outstanding	2,014	2,070	2,110	2,153	2,179
Shares Change (YoY)	-2.71%	-1.90%	-2.00%	-1.19%	0.09%
EPS (Basic)	15.60	17.50	18.20	12.58	11.75
EPS (Diluted)	15.43	17.33	18.06	12.48	11.67
EPS Growth	-10.96%	-4.04%	44.71%	6.94%	61.41%
Dividend Per Share	8.500	8.500	8.500	6.750	10.100
Dividend Growth	-	-	25.93%	-33.17%	146.34%
Effective Tax Rate	20.14%	22.11%	20.53%	20.34%	17.63%

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