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Swedbank (SWED) investor relations material
Swedbank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary17 Jul, 2025
Executive summary
Net profit for Q2 2025 was SEK 7,886m, with a return on equity of 15.4% and EPS of SEK 6.99, despite global economic uncertainty.
Cost/income ratio stood at 0.36, reflecting strong operational efficiency and stable costs.
Maintained solid credit quality and robust capital and liquidity positions, with a CET1 capital ratio of 19.7% and a 4.5 percentage point buffer.
Lending and deposit volumes increased across Sweden and the Baltics, supporting business growth.
Announced acquisition of digital mortgage company Stabelo to enhance digital offerings and reach younger customers.
Financial highlights
Net interest income decreased 5% quarter-over-quarter due to lower rates and central bank placements; net commission income fell 4% due to asset management performance.
Total expenses were flat at SEK 6,119m; staff costs decreased, offset by higher IT and consultancy costs.
Credit impairments reported at SEK 150m, corresponding to an impairment ratio of 0.03%.
Customer deposits increased by SEK 27bn, driven by retail deposits in Sweden and seasonal tax return inflows.
Net gains and losses rose 58% quarter-over-quarter to SEK 856m, driven by high activity in fixed income and FX trading.
Outlook and guidance
Targeting a sustainable return on equity of at least 15% and a cost/income ratio not exceeding 0.4 through 2027.
Dividend payout ratio maintained at 60–70% annually, with a normalized capital buffer of 200 basis points.
Cost guidance for 2024 is SEK 26.5bn, but actual costs expected to be lower due to VAT recoveries and FX effects.
Will revisit full-year cost guidance with Q3 report.
Economic outlook for 2026 in home markets is more positive than for the eurozone and US, with expected GDP growth improvements.
How will Stabelo acquisition affect mortgage business?
What drove the increase in sustainable asset register?
What's the expected impact of CRR3 on capital?
What's driving increased NII sensitivity?
Stabelo: integrate tech or run standalone?
VAT recoveries: expect 5 years of reversals?
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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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