Financial target
Return on equity
- Swedbank's financial target is to achieve a return on equity of at least 15 per cent.
- The return on equity for the full year 2025 was 15.2 per cent.
| Q3 24 | Q4 24 | Q1 25 | Q2 25 | Q3 25 | Q4 25 |
|---|---|---|---|---|---|
| 18.4% | 15.8% | 15.2% | 15.4% | 16.0% | 14.7% |
Supporting KPIs
Cost efficiency
- Swedbank seeks to achieve a cost/income (C/I) ratio of 0.40.
- The bank's C/I ratio for 2025 amounted to 0.36.
| Q3 24 | Q4 24 | Q1 25 | Q2 25 | Q3 25 | Q4 25 |
|---|---|---|---|---|---|
| 0.31% | 0.36% | 0.35% | 0.36% | 0.35% | 0.36 |
Capitalisation
- Swedbank shall maintain a Common Equity Tier 1 capital buffer of 100-300 basis points above the Swedish FSA’s requirement.
- The bank aims for a buffer of 200 basis points in 2025 and onwards.
- At the end of year 2025 Swedbank's Common Equity Tier 1 ratio was 17.8 per cent.
| Q3 24 | Q4 24 | Q1 25 | Q2 25 | Q3 25 | Q4 25 |
|---|---|---|---|---|---|
| 20.4% | 19.8% | 19.7% | 19.7% | 20.7% | 18.9% |