Swedbank AB 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	82,589	110,019	101,758	45,003	29,912
Interest Income on Investments	1,066	602	613	284	452
Total Interest Income	83,655	110,621	102,371	45,287	30,364
Interest Paid on Deposits	39,655	61,353	51,438	12,141	3,316
Total Interest Expense	39,655	61,353	51,438	12,141	3,316
Net Interest Income	44,000	49,268	50,933	33,146	27,048
Net Interest Income Growth (YoY)	-10.69%	-3.27%	53.66%	22.55%	0.73%
Gain (Loss) on Sale of Investments	468	404	542	-613	-93
Gain (Loss) on Sale of Equity Investments	783	773	803	738	976
Other Non-Interest Income	23,484	23,658	20,780	18,757	19,750
Total Non-Interest Income	24,735	24,835	22,125	18,882	20,633
Non-Interest Income Growth (YoY)	-0.40%	12.25%	17.18%	-8.49%	9.62%
Revenues Before Loan Losses	68,735	74,103	73,058	52,028	47,681
Provision for Loan Losses	-34	-268	1,674	1,479	170
Revenue	68,769	74,371	71,384	50,549	47,511
Revenue Growth (YoY)	-7.53%	4.18%	41.22%	6.39%	14.92%
Salaries and Employee Benefits	14,470	14,409	13,464	12,513	12,364
Occupancy Expenses	2,225	2,171	1,920	1,695	1,631
Selling, General & Administrative	9,376	8,795	7,829	6,609	6,852
Other Non-Interest Expense	1,443	4,020	3,574	1,830	791
Total Non-Interest Expense	27,514	29,395	27,674	22,647	21,638
EBT Excluding Unusual Items	41,255	44,976	43,710	27,902	25,873
Asset Writedown	-	-790	-88	-532	-56
Pretax Income	41,255	44,186	43,622	26,764	25,817
Income Tax Expense	8,496	9,320	9,492	5,396	4,945
Earnings From Continuing Operations	32,759	34,866	34,130	21,368	20,872
Minority Interest in Earnings	3	3	-2	-3	-1
Net Income	32,762	34,869	34,128	21,365	20,871
Net Income to Common	32,762	34,869	34,128	21,365	20,871
Net Income Growth	-6.04%	2.17%	59.74%	2.37%	61.43%
Basic Shares Outstanding	1,124	1,125	1,125	1,123	1,121
Diluted Shares Outstanding	1,130	1,130	1,127	1,126	1,125
Shares Change (YoY)	0.05%	0.21%	0.13%	0.10%	0.12%
EPS (Basic)	29.14	30.99	30.35	19.03	18.62
EPS (Diluted)	28.98	30.86	30.27	18.98	18.56
EPS Growth	-6.09%	1.95%	59.48%	2.26%	61.25%
Dividend Per Share	20.450	21.700	15.150	9.750	9.250
Dividend Growth	-5.76%	43.23%	55.38%	5.41%	218.97%
Effective Tax Rate	20.59%	21.09%	21.76%	20.16%	19.15%

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