SEB's results for the third quarter 2025

REG

SEB’s operating profit for the third quarter 2025 amounted to SEK 9.7bn, with a return on equity of 14.0 per cent, a CET1 capital ratio of 18.2 per cent, and a capital buffer of 360 basis points.

“We reported a solid result in a seasonally slower and less volatile market. Net interest income increased marginally, and net flows of assets under management continued to be positive. The customer activity in Corporate & Investment Banking was slower due to the summer months, although Investment Banking showed resilience,” says SEB’s President and CEO Johan Torgeby

In Sweden, the economy remained subdued, with household consumption remaining weak. Given an expansionary monetary policy and expectations of a more active fiscal policy in 2026, the economic outlook for Sweden has improved.

“In this environment, SEB has an important role to play in supporting our customers with responsible advice and access to capital,” says Johan Torgeby.
 

Income statement
Q3  Q2  Q3  Jan-Sep  Full-year
SEK m 2025 2025  2024 2025 2024 2024
Total operating income 18 664 19 559 -5 20 908 -11 58 045 61 901 -6 81 887
Total operating expenses 7 921 7 982 -1 7 718 3 24 144 22 260 8 30 949
Net expected credit losses 203 295 -31 393 -48 1 161 509 128 886
Imposed levies 822 882 -7 979 -16 2 668 3 158 -16 4 009
Operating profit 9 719 10 400 -7 11 818 -18 30 072 35 974 -16 46 043
NET PROFIT 7 677 8 253 -7 9 454 -19 23 754 28 373 -16 35 865
Return on equity, % 14,0 15,0 17,0 14,1 17,2 16,2
Basic earnings per share, SEK 3,87 4,13 4,63 11,89 13,80 17,51

This disclosure contains information that SEB 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 person, on 23-10-2025 06:30 CET.

Datum 2025-10-23, kl 06:30
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