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Edge12 Dec 2025
Running on Clouds: The Story of On
The story of how a Swiss runner's pursuit of a new running sensation became On, aiming to be the most premium global sportswear brand worldwide.
Swedbank (SWED) investor relations material
Swedbank Pre-Close Call summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Pre-Close Call summary17 Dec, 2025
Trading performance and revenue trends
Corporate lending in Sweden grew 3.9% year-on-year in October, outpacing the market's 2.2% growth; market share rose to 15.1%.
Retail deposits in Sweden increased 4.3% year-on-year, with a 17.6% market share; corporate deposits up 1.8% with a 13.3% share.
Baltic lending rose 14.3% year-on-year, with private and corporate lending up 12.3% and 16.7% respectively; total deposits in the Baltics increased 7.1%.
Asset management fees benefited from stock market gains in Sweden, the US, and Europe, up 6%, 5.2%, and 4.1% respectively by mid-December.
Swedish mutual fund market saw net inflows in October and November, with outflows from active equity funds but inflows to index and fixed income funds.
Profitability and margins
Retail deposit rates remained unchanged except for a 10–35 basis point increase on fixings over 12 months in Estonia.
Card activity is seasonally lower in Q4, impacting commission income.
Balance sheet and liquidity position
SEK 6 billion in interest-free deposits with the Riksbank from 31 October to 30 June next year, earning zero interest; lost income booked upfront.
Asset quality at Q3 end: post-model adjustment at SEK 398 million after a SEK 196 million release; Entercard acquisition added ~SEK 400 million from Stage 1 loans.
End-of-period FX rates, mainly from Baltic RWAs in euro, affect the balance sheet.
Swedish krona strengthened versus the euro as of 12 December.
How does Entercard impact 2026 loan loss ratio?
What is the status of the 2021 VAT refund case?
Why did corporate deposits lag market growth?
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Q4 202529 Jan, 2026
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Frequently asked questions
Swedbank offers retail banking, such as deposit and loan products; payment services; and mortgages, cards, and personal loans. The company also provides corporate and private clients with cash management, securities custody, investment management, long-term savings products, leasing, factoring, export financing, trade finance, pensions products, and life insurance. Its institutional clients include corporates in manufacturing, the public sector organization, shipping and offshore services groups.
The company operates through a universal banking business model to serve all customer segments. It serves 601 branches in Sweden; 93 branches and offices in Estonia; 328 branches and offices in Latvia; 64 branches and offices in Lithuania; 44 branches and offices in Finland; 38 branches and offices in Germany; and 6 representative offices. Swedbank AB was founded in 1820 is headquartered in Stockholm, Sweden
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