Q4 2025 Swedbank AB Earnings Call Transcript

Jan 29, 2026 / 08:00 AM GMT

Release Date Price: $40.57 (+3.84%)

Transcript

Key Points

Positve

Swedbank AB (SWDBF) achieved a sustainable return on equity of 15.2% for the full year 2025.
The company proposed a total dividend of 29.80 SEK per share, including a special dividend, reflecting a strong capital position.
Swedbank AB (SWDBF) reported a solid cost-to-income ratio of 0.36 for both the quarter and the full year.
The bank's credit quality remains solid, with a strong capital and liquidity position.
Swedbank AB (SWDBF) has increased its customer interactions significantly, with over 30% more calls with customers compared to the previous year.

Negative

The Swedish mortgage market remains highly competitive, impacting Swedbank AB (SWDBF)'s ability to improve mortgage margins.
There is ongoing uncertainty regarding the Department of Financial Services investigation in New York, which could result in potential fines.
The bank's net interest income was impacted by lower rates, with further effects expected in the first quarter of 2026.
Swedbank AB (SWDBF) faces challenges in maintaining its market share in the Swedish mortgage market due to tough competition.
The company anticipates cost growth of approximately 3% in 2026, driven by investments and headwinds.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

SWEDa.ST - Swedbank AB
Q4 2025 Swedbank AB Earnings Call
Jan 29, 2026 / 08:00AM GMT

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Presentation
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Unidentified_1 [1]
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Thank you for dialing in this morning. I am Maria Kahneman, head of investor relations here at SWAT Bank.

Welcome to our 4th quarter 2025 results presentation.

I'm joined today by our CEO Jans Henriksson and our CFO Jun Lideveldt.

Jens and Jung will start with a presentation and then there will be an opportunity to ask questions.

With that, I would like to hand it over to Jan.

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Unidentified_2 [2]
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Thank you, Maria.

2025 was a successful year for Swedbank. The target of a sustainable return on equity of 15% was achieved.

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