Regulatory press release

Swedbank's Full-year report 2025

Swedbank's President and CEO Jens Henriksson comments: "2025 was a successful year for Swedbank."

Return on equity was 14.7 per cent for the quarter and 15.2 per cent for the full year 2025
Proposed dividend of SEK 29.80 per share, including a special dividend of SEK 9.35
Swedbank acquired Entercard and Stabelo

Financial information	Q4	Q3		Full-year	Full-year
SEKm	2025	2025	%	2025	2024	%
Total income	17 340	17 105	1	68 736	74 104	-7
Net interest income	10 775	10 819	0	44 000	49 267	-11
Net commission income	4 249	4 117	3	16 320	16 716	-2
Net gains and losses on financial items	982	847	16	3 227	3 687	-12
Other income¹	1 334	1 322	1	5 189	4 435	17
Total expenses	6 268	6 030	4	24 532	25 376	-3
Profit before impairments, bank taxes and resolution fees	11 072	11 075	0	44 203	48 728	-9
Impairment of tangible and intangible assets	0	0		0	790	-100
Credit impairments	355	-398		-34	-268	-87
Bank taxes and resolution fees	713	663	8	2 982	4 019	-26
Profit before tax	10 004	10 809	-7	41 255	44 187	-7
Tax expense	1 838	2 298	-20	8 496	9 320	-9
Profit for the period	8 166	8 512	-4	32 759	34 866	-6

Earnings per share, SEK, after dilution	7.22	7.53		28.98	30.86
Return on equity, %	14.7	16.0		15.2	17.1
C/I ratio	0.36	0.35		0.36	0.34
Common Equity Tier 1 capital ratio, %	17.8	19.7		17.8	19.8
Credit impairment ratio, %	0.07	-0.08		0.00	-0.01
1) Other income includes the items Net insurance, Share of profit or loss of associates and joint ventures, and Other income from the Group income statement.

Contact:

Maria Caneman, Head of Investor Relations
Phone: +46 72 238 32 10
E-mail: maria.caneman@swedbank.se

Hannes Mård, Head of Press
Phone: +46 73 057 41 95
Email: hannes.mard@swedbank.se

This information constitutes inside information that Swedbank is obliged to make public pursuant to the EU Market Abuse Regulation (EU nr 596/2014). The information was submitted for publication, through the agency of the contact persons set out above, 29 January 2026, at 07:15 CET.