Svenska Handelsbanken AB (publ) (SVNLF)

Svenska Handelsbanken AB 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	-	171,125	159,805	67,407	35,832	42,830
Interest Income on Investments	-	16	3	17	2	53
Total Interest Income	-	171,141	159,808	67,424	35,834	42,883
Interest Paid on Deposits	-	124,284	112,227	30,793	5,511	13,751
Net Interest Income	44,265	46,857	47,581	36,631	30,323	29,132
Net Interest Income Growth (YoY)	-6.46%	-1.52%	29.89%	20.80%	4.09%	-9.66%
Gain (Loss) on Sale of Assets	9	13	20	1,083	422	5
Gain (Loss) on Sale of Investments	-112	-112	669	-4,710	-900	304
Gain (Loss) on Sale of Equity Investments	27	27	51	-13	63	18
Other Non-Interest Income	14,380	15,574	13,949	17,406	14,383	10,914
Total Non-Interest Income	14,304	15,502	14,689	13,766	13,968	11,241
Non-Interest Income Growth (YoY)	-3.81%	5.54%	6.71%	-1.45%	24.26%	-8.88%
Revenues Before Loan Losses	58,569	62,359	62,270	50,397	44,291	40,373
Provision for Loan Losses	-540	-601	141	47	43	649
Revenue	59,109	62,960	62,129	50,350	44,248	39,724
Revenue Growth (YoY)	-5.44%	1.34%	23.39%	13.79%	11.39%	-8.76%
Salaries and Employee Benefits	14,421	14,949	13,278	12,614	12,367	12,384
Occupancy Expenses	2,062	2,003	1,703	1,614	1,751	1,593
Selling, General & Administrative	316.7	316.7	324.6	200	183.5	152
Other Non-Interest Expense	9,335	9,946	10,175	8,661	6,361	5,033
Total Non-Interest Expense	26,135	27,215	25,481	23,089	20,662	19,162
EBT Excluding Unusual Items	32,974	35,745	36,648	27,261	23,586	20,562
Asset Writedown	-1	-1	-40	-32	-45	-82
Other Unusual Items	-255	-255	-285	-401	-48	-213
Pretax Income	32,246	35,017	36,323	26,828	23,475	18,797
Income Tax Expense	7,148	7,795	8,417	5,431	4,627	4,240
Earnings From Continuing Operations	25,098	27,222	27,906	21,397	18,848	14,557
Earnings From Discontinued Operations	-491	234	1,209	280	693	1,029
Minority Interest in Earnings	-5	-5	-8	-1	-14	-1
Net Income	24,602	27,451	29,107	21,676	19,527	15,585
Net Income to Common	24,602	27,451	29,107	21,676	19,527	15,585
Net Income Growth	-11.65%	-5.69%	34.28%	11.00%	25.29%	-7.90%
Basic Shares Outstanding	1,980	1,980	1,980	1,980	1,980	1,980
Diluted Shares Outstanding	1,980	1,980	1,980	1,980	1,980	1,980
Shares Change (YoY)	0.00%	-	-	-	-	0.16%
EPS (Basic)	12.43	13.86	14.70	10.95	9.86	7.87
EPS (Diluted)	12.43	13.86	14.70	10.95	9.86	7.87
EPS Growth	-11.65%	-5.69%	34.28%	11.03%	25.29%	-8.29%
Dividend Per Share	-	7.500	6.500	5.500	5.000	4.100
Dividend Growth	-	15.38%	18.18%	10.00%	21.95%	-
Effective Tax Rate	22.17%	22.26%	23.17%	20.24%	19.71%	22.56%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.