Segment reporting restated for 2024 and 2025, moving Mid Corporate clients to Corporate & Investment Banking and adjusting income statement presentation for improved risk management.
Restatements align net interest and financial income reporting with Nordic peers, with no impact on net profit or equity.
Q1 2026 expected to show lower fee and commission income and net financial income due to market volatility, fewer large deals, and restructuring impacts.
Lending and deposit growth observed in Sweden and the Baltics, but positive rate impacts on net interest income (NII) are delayed due to repricing timing.
Q1 2026 NII benefits from restatements, but technical headwinds (two fewer days, higher deposit insurance costs) create a SEK 250 million drag versus Q4 2025.
Net fee and commission income is seasonally weaker in Q1, further impacted by market exits and lower corporate activity.
Net financial income (NFI) restatement shifts SEK 250 million per quarter to NII; Q1 NFI expected at the lower end of historical averages.
Q1 2026 faces headwinds from FX (stronger SEK), seasonality, and lower market activity, impacting both income and costs.
Cost target for 2026 set at SEK 33.4 billion ±SEK 250 million, assuming average 2025 FX rates.
No additional cost drag from incentive schemes due to lower share price.
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