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Swedbank (SWED) investor relations material
Swedbank Q4 2025 (Media) earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 (Media) earnings summary29 Jan, 2026
Executive summary
Achieved a 15.2% return on equity for 2025, with net profit of SEK 32.8bn and a proposed dividend of SEK 29.8 per share, including an extra dividend of SEK 9.35.
Maintained strong capital generation and robust asset quality, positioning for sustainable growth.
Acquisitions of Entercard and Stabelo completed, strengthening product offerings.
DOJ investigation in the US closed with no action; DFS investigation ongoing.
Financial highlights
Net profit for 2025 was SEK 32.8bn, down 6% year-over-year; Q4 net profit was SEK 8.2bn, down 4% sequentially.
Total income for 2025 was SEK 68.7bn, a 7% decrease year-over-year; Q4 income was SEK 17.3bn, up 1% sequentially.
Cost/income ratio for 2025 was 0.36; return on equity was 15.2%.
Earnings per share (after dilution) for 2025 was SEK 28.98.
Dividend proposal includes SEK 20.45 ordinary and SEK 9.35 special per share.
Outlook and guidance
Swedish GDP growth expected above 2.5% in 2026; strong development in Lithuania and growth in Estonia and Latvia.
2026 cost guidance set at SEK 27.5bn, reflecting ~3% annual growth.
Lending growth targeted to match or exceed market pace, especially in mortgages.
Targeting sustainable return on equity of at least 15% and C/I ratio not above 0.40.
2026 funding plan aligns with 2025, with SEK 110bn in long-term debt maturing.
CET1 buffer drop impact on future capital return?
Entercard divestment rationale after acquisition?
NII outlook given rate environment and volumes?
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Next Swedbank earnings date
Q1 202629 Apr, 2026
Swedbank
Next Swedbank earnings date
Q1 202629 Apr, 2026
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Frequently asked questions
Swedbank offers retail banking, such as deposit and loan products; payment services; and mortgages, cards, and personal loans. The company also provides corporate and private clients with cash management, securities custody, investment management, long-term savings products, leasing, factoring, export financing, trade finance, pensions products, and life insurance. Its institutional clients include corporates in manufacturing, the public sector organization, shipping and offshore services groups.
The company operates through a universal banking business model to serve all customer segments. It serves 601 branches in Sweden; 93 branches and offices in Estonia; 328 branches and offices in Latvia; 64 branches and offices in Lithuania; 44 branches and offices in Finland; 38 branches and offices in Germany; and 6 representative offices. Swedbank AB was founded in 1820 is headquartered in Stockholm, Sweden
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