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Swedbank (SWED) investor relations material
Swedbank Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Strategic direction and sustainability
Focus on empowering people and businesses for a financially sound and sustainable society, with values of openness, simplicity, and caring.
Targets carbon neutrality by 2050, with interim goals for emissions reduction and sustainable lending growth by 2027 and 2030.
Lending portfolio climate targets include significant emission intensity reductions across mortgages, commercial real estate, oil & gas, power generation, steel, and shipping by 2030.
Financial performance Q2 2026
Total income reached SEK 18.1bn, up 6% quarter-on-quarter; net profit was SEK 7.2bn.
Return on equity at 14.2%, cost/income ratio at 0.43, and credit impairment ratio at 6 bps.
CET1 capital ratio at 17.4% with a buffer of ~260bps; LCR at 150% and NSFR at 122%.
Lending volumes increased by 2% QoQ to SEK 1,934bn; deposit volumes up 2% to SEK 1,331bn.
Asset quality and risk
Solid asset quality with a low credit impairment ratio and stable loan book composition.
Private loans make up 60% of the portfolio, with strong collateral and low loan-to-value ratios.
Property management loans show robust debt service tolerance and interest coverage ratios.
- Q2 2026 net profit SEK 7,195m, adjusted ROE 15.5%, CET1 ratio 17.4%, all US probes closed.SWED
Q2 2026 (Media) - Q2 2026 net profit was SEK 7.2bn, with 15.5% ROE and a CET1 ratio of 17.4%.SWED
Q2 2026 - Q2 benefited from extra day effects, stable margins, and robust lending growth in core markets.SWED
Pre-close call - Q3 profit rose 8% to SEK 8,512m, with 16% ROE and S&P credit rating upgrade to AA-.SWED
Q3 2025 - Q2 2025 net profit reached SEK 7.9bn with 15.4% ROE, stable costs, and lending growth.SWED
Q2 2025 - Q3 profit up 9% to SEK 9.4bn, ROE 18.4%, strong capital, Baltic growth, and cost control.SWED
Q3 2024 - Q2 profit up 2% to SEK 8.6bn, 17.5% ROE, and strong capital and credit quality.SWED
Q2 2024 - Full-year profit rose to SEK 34,866m, with a proposed dividend of SEK 21.70 per share.SWED
Q4 2024 (Media) - Full-year profit up 2% to SEK 34,866m; 70% payout dividend, Baltic growth, digital focus.SWED
Q4 2024
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