National Storage Mechanism | Additional information

Press Release

17 July 2025

Swedbank's interim report for the second quarter 2025

Swedbank´s President and CEO Jens Henriksson comments:" Swedbank has once again delivered a strong result".

· Return on equity 15.4%

· Solid credit quality

· Further improved availability via telephone in Sweden during the quarter

Financial information	Q2	Q1		Jan-Jun	Jan-Jun
SEKm	2025	2025	%	2025	2024	%
Total income	16 962	17 329	-2	34 291	36 324	-6
Net interest income	10 917	11 489	-5	22 406	24 764	-10
Net commission income	3 902	4 052	-4	7 954	8 145	-2
Net gains and losses on financial items	856	541	58	1 398	1 593	-12
Other income¹	1 286	1 247	3	2 533	1 822	39
Total expenses	6 119	6 115	0	12 234	12 650	-3
Profit before impairments, bank taxes and resolution fees	10 843	11 214	-3	22 057	23 674	-7
Impairment of tangible and intangible assets	0	0		0	32	-99
Credit impairments	150	-141		9	-145
Bank taxes and resolution fees	677	929	-27	1 606	2 149	-25
Profit before tax	10 016	10 425	-4	20 441	21 637	-6
Tax expense	2 130	2 229	-4	4 360	4 614	-6
Profit for the period	7 886	8 196	-4	16 082	17 023	-6

Earnings per share, SEK, after dilution	6.99	7.26		14.24	15.08
Return on equity, %	15.4	15.2		15.2	17.1
C/I ratio	0.36	0.35		0.36	0.35
Common Equity Tier 1 capital ratio, %	19.7	19.7		19.7	20.1
Credit impairment ratio, %	0.03	-0.03		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.

The full report can be downloaded here:
http://www.rns-pdf.londonstockexchange.com/rns/3874R_1-2025-7-16.pdf

For further information, please contact:

Maria Caneman, Head of Investor Relations, phone: +46 72 238 3210 email: maria.caneman@swedbank.se
Hannes Mård, Head of Press, phone +46 73 057 4195, e-mail: hannes.mard@swedbank.se

This information constitutes inside information and such information that Swedbank AB (publ) is obliged to make public pursuant to the EU Market Abuse Regulation (EU no 596/2014) and the Securities Market Act (2007:528). The information was submitted for publication, through the agency of the contact person set out above, July 17 2025, at 07:00 CEST.

Swedbank empowers the many people and businesses to create a better future. Our vision is a financially sound and sustainable society. Swedbank Group is the leading bank with over 7 million retail customers and 550 000 corporate customers in our four home markets: Sweden, Estonia, Latvia and Lithuania. Swedbank Group is also present in other Nordic countries, the U.S. and China. Together we make your financial life easier. Find out more: www.swedbank.com