Q3 2026 pre-close call focused on rates, key P&L lines, risk exposure, and capital, with Q&A on disclosed and public data.
Average three-month STIBOR slightly down, while six-month Euribor up 23 bps, impacting Baltic operations mainly on deposits.
SEK weakened versus euro, providing a tailwind for income but a headwind for costs; FX movements affect balance sheet and CET1 ratio.
Q3 affected by seasonality due to summer, with generally lower activity levels.
Lending and deposit growth observed in Sweden and the Baltics at the system level.
Net interest income (NII) impacted by normalized market levels and increased funding, with a SEK 50 million negative effect quarter-on-quarter.
Equity markets up 3%-5% on average versus Q2, supporting fee and commission income.
Q3 is seasonally weakest for payment and card fees due to limited corporate travel.
Net financial income expected at the lower end of the SEK 2 billion ±400 million range due to volatility and seasonality.
Net other income likely near the lower end of SEK 0–100 million due to one-offs.
Expense run rate tracking below full-year target, with higher costs expected in H2 due to investment ramp-up.
Share price increase in Q3 raises costs for long-term incentive schemes.
Underlying asset quality remains robust; expected credit losses stable.
Imposed levies for 2026 expected at SEK 3.5 billion; tax rate proxy at 21%.
The #1 app for qualitative research. Live earnings calls, AI chat, transcripts, and more. All for free.
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Search for any keyword across all transcripts simultaneously.
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
The easiest way to stay updated during earnings season.
All events from public companies. Live and recorded.
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
I can't remember the last time an app had such a positive impact on my investment process.
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
Explore our global coverage