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Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
Svensk Exportkredit (SEK) investor relations material
Svensk Exportkredit has been private
Svensk Exportkredit Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Strong growth in business volumes with new credit and guarantee agreements totaling Skr 97.3 billion for the first nine months, up from Skr 68.2 billion year-over-year; Skr 40.3 billion signed in Q3 alone.
Profitability remained robust despite a decrease in net interest income, with after-tax return on equity at 6.3% for the nine-month period and 7.1% for Q3.
Lending portfolio declined to Skr 271.2 billion, mainly due to currency effects, but adjusted for these, the portfolio increased.
Notable transactions included a USD 1.1 billion green loan for the UK’s Eastern Green Link 2 and a EUR 240 million financing for Cloetta AB.
Financial highlights
Net interest income for Jan–Sep 2025 was Skr 2,050 million, down 10% from Skr 2,280 million year-over-year; Q3 net interest income was Skr 678 million, down 9% from Q3 2024.
Operating profit for Jan–Sep 2025 was Skr 1,459 million (up from Skr 1,419 million); Q3 operating profit was Skr 531 million (down from Skr 625 million in Q3 2024).
Net profit for Jan–Sep 2025 was Skr 1,158 million (up from Skr 1,127 million); Q3 net profit was Skr 421 million (down from Skr 497 million in Q3 2024).
Basic and diluted EPS for Jan–Sep 2025 was Skr 290 (up from Skr 282); Q3 EPS was Skr 105 (down from Skr 124 in Q3 2024).
Net credit losses improved to Skr -13 million for Jan–Sep 2025 (from Skr -212 million year-over-year).
Outlook and guidance
Positive outlook for Swedish exporters, supported by a rising Export Managers’ Index and forecasts of higher growth and lower inflation in Sweden for the remainder of 2025 and into 2026.
Continued focus on sustainability and energy transition projects, with new government financing models supporting development in low- and lower middle-income countries.
Explain lending portfolio decline despite new commitments
What drove the sharp drop in net credit losses?
Impact of Riksbank's new deposit requirement?
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Next Svensk Exportkredit earnings date
Q4 202527 Jan, 2026
Next Svensk Exportkredit earnings date
Q4 202527 Jan, 2026
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Frequently asked questions
Svensk Exportkredit (SEK), also known as the Swedish Export Credit Corporation, is a state-owned enterprise dedicated to supporting Swedish exports. SEK offers a range of financial solutions aimed at promoting Swedish exports by providing financing to Swedish exporters, their subsidiaries, and their international customers. The corporation's services include project finance, export credits, factoring services, leasing and installment plans, contract guarantees, green loans, foreign currency loans, and working capital loans. Founded in 1962, SEK operates with the goal of facilitating international trade and the export of capital goods and large-scale infrastructure projects, playing a significant role in Sweden's economic ecosystem. The company is headquartered in Stockholm, Sweden, and its shares are not publicly traded as it is a state-owned entity.
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