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Investor Relations14 Oct 2025
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Swedbank (SWED) investor relations material
Swedbank Pre-Close Call summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Pre-Close Call summary7 Oct, 2025
Executive summary
The call covered Q3 2025 macro trends, P&L highlights, and capital commentary, focusing on publicly available data and recent events.
Regulatory and acquisition updates were discussed, including pending deals and their expected impact.
Trading performance and revenue trends
Swedish krona appreciated against the USD and depreciated against the euro on average, impacting P&L.
Mortgage rates in Sweden were reduced multiple times during the quarter, with negotiated rates down 30 basis points.
Swedbank's mortgage volumes declined by 0.1% while the market grew 2.4%; market share remained at 22%.
Corporate lending volumes grew 4% year-on-year, outpacing the market's 2.4% growth; market share stable at 15%.
Retail and corporate deposits in Sweden and the Baltics showed year-on-year growth, though Swedbank's growth lagged market averages.
Profitability and margins
Net interest income affected by timing differences in loan and liability repricing; positive effects from policy rate cuts materialized earlier on liabilities.
Asset management fees benefited from strong stock market performance in Sweden, the US, and Europe.
Card commissions seasonally higher in Q3; salary costs seasonally lower in the Baltics.
VAT refund of SEK 197 million received in July positively impacted Q3 costs.
Full-year cost guidance for 2025 is SEK 26.5 billion, with actual costs expected to be lower due to VAT recoveries.
NII impact from liability repricing speed?
SB1 Markets full quarter P&L impact?
Revised full-year cost guidance?
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Next Swedbank earnings date
Q3 202523 Oct, 2025
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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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