STO:SEB.A Income Statement

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

Millions SEK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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	150,192	135,394	56,150	31,383
Total Interest Income	-	116,834	150,192	135,394	56,150	31,383
Interest Paid on Deposits	-	75,537	104,261	87,868	22,707	5,286
Net Interest Income	41,100	41,297	45,931	47,526	33,443	26,097
Net Interest Income Growth	-4.68%	-10.09%	-3.36%	42.11%	28.15%	3.79%
Income From Trading Activities	8,010	9,090	11,441	9,991	9,242	8,235
Gain (Loss) on Sale of Investments	146	146	51	541	64	12
Gain (Loss) on Sale of Equity Investments	-205	-205	348	277	-24	33
Other Non-Interest Income	26,928	26,611	24,116	21,860	21,752	21,261
Total Non-Interest Income	34,879	35,642	35,956	32,669	31,034	29,541
Non-Interest Income Growth	-0.09%	-0.87%	10.06%	5.27%	5.05%	20.24%
Revenues Before Loan Losses	75,979	76,939	81,887	80,195	64,477	55,638
Provision for Loan Losses	1,457	1,548	886	962	2,007	510
Revenue	74,522	75,391	81,001	79,233	62,470	55,128
Revenue Growth	-2.57%	-6.93%	2.23%	26.83%	13.32%	26.46%
Salaries and Employee Benefits	19,483	19,685	18,803	16,655	15,116	14,551
Occupancy Expenses	2,375	2,472	2,171	1,999	2,077	1,923
Selling, General & Administrative	2,049	2,049	1,952	1,936	1,739	1,064
Other Non-Interest Expense	11,183	11,298	11,505	10,537	8,216	6,405
Total Non-Interest Expense	35,090	35,504	34,431	31,127	27,148	23,943
EBT Excluding Unusual Items	39,432	39,887	46,570	48,106	35,322	31,185
Asset Writedown	-	-	-8	-	-1,400	-8
Pretax Income	38,443	38,898	46,043	47,964	33,739	30,864
Income Tax Expense	7,475	7,835	10,178	9,848	6,862	5,441
Net Income	30,968	31,063	35,865	38,116	26,877	25,423
Net Income to Common	30,968	31,063	35,865	38,116	26,877	25,423
Net Income Growth	-0.89%	-13.39%	-5.91%	41.82%	5.72%	61.46%
Basic Shares Outstanding	1,957	1,991	2,049	2,094	2,137	2,164
Diluted Shares Outstanding	1,979	2,014	2,070	2,110	2,153	2,179
Shares Change	-2.46%	-2.71%	-1.90%	-2.00%	-1.19%	0.09%
EPS (Basic)	15.82	15.60	17.50	18.20	12.58	11.75
EPS (Diluted)	15.66	15.43	17.33	18.06	12.48	11.67
EPS Growth	1.66%	-10.96%	-4.04%	44.71%	6.94%	61.41%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 2026	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
Dividend Per Share	8.500	8.500	8.500	8.500	6.750	10.100
Dividend Growth	0%	0%	0%	25.93%	-33.17%	146.34%
Effective Tax Rate	19.44%	20.14%	22.11%	20.53%	20.34%	17.63%