Q2 2026 pre-close call covered rates, key P&L lines, risk exposure, and capital, with a focus on disclosed and public data only.
Lending and deposit growth observed in Sweden and the Baltics, with rate changes impacting both regions.
FX movements, particularly SEK versus EUR and USD, have marginal effects on income, costs, and risk exposure.
Share buyback program of SEK 1.25 billion ends by July 13, 2026.
Average three-month STIBOR up 5 bps and EURIBOR up 18 bps quarter-to-date, impacting deposit and lending rates.
Lending and deposit volumes increased in both Sweden and the Baltics.
Net interest income (NII) benefits from volume growth and day count, but treasury effects are smaller than Q1.
Net fee and commission income tied to daily average equity market levels; Q2 typically sees seasonal uptick.
No large IPOs in Q2, only smaller ones.
Treasury effects that boosted NII in Q1 are smaller in Q2, with a corresponding smaller drag on net financial income (NFI).
Net financial income expected below the mean of SEK 2.1 billion, reflecting lower customer activity.
Net other income expected negative due to one-offs.
Cost target for 2026 is SEK 33.4 billion ± SEK 250 million, with FX adjustments likely to increase the target.
Share price increase in Q2 will raise costs for long-term incentive schemes.
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