SEB's operating profit for the third quarter 2026 amounted to SEK 9.4bn, with a return on equity of 13.0 per cent, a CET1 capital ratio of 17.1 per cent, and a capital buffer of 250 basis points.
"We delivered a robust result with overall solid customer activity and continued credit demand across all divisions. Net interest income continued to grow, we maintained a strong focus on costs and asset quality remained robust," says SEB's Acting President and CEO Jonas Ahlström.
Net financial income was negatively impacted by muted client activity and a challenging market-making environment for the fixed income, foreign exchange and commodities business.
SEB continues to manage costs diligently and as a result of the ongoing cost consolidation, costs are expected to come in below the 2026 full year cost target by approximately SEK 500-600m.
| Income statement | |||||||||||||
| Q3 | Q2 | Q3 | Jan-Sep | Full-year | |||||||||
| SEK m | 2026 | 2026 | % | 2025 | % | 2026 | 2025 | % | 2025 | ||||
| Total operating income | 18 626 | 20 055 | -7 | 18 664 | -0 | 57 087 | 58 045 | -2 | 76 939 | ||||
| Total operating expenses | 8 178 | 8 014 | 2 | 7 921 | 3 | 23 807 | 24 144 | -1 | 32 596 | ||||
| Net expected credit losses | 179 | 345 | -48 | 203 | -12 | 1 070 | 1 161 | -8 | 1 548 | ||||
| Imposed levies | 857 | 922 | -7 | 822 | 4 | 2 591 | 2 668 | -3 | 3 480 | ||||
| Operating profit before items affecting comparability | 9 412 | 10 774 | -13 | 9 719 | -3 | 29 618 | 30 072 | -2 | 39 314 | ||||
| Items affecting comparability | -416 | ||||||||||||
| Operating profit | 9 412 | 10 774 | -13 | 9 719 | -3 | 29 618 | 30 072 | -2 | 38 898 | ||||
| NET PROFIT | 7 498 | 8 664 | -13 | 7 677 | -2 | 23 659 | 23 754 | -0 | 31 063 | ||||
| Return on equity, % | 13,0 | 15,7 | 14,0 | 13,9 | 14,1 | 13,8 | |||||||
| Return on equity excluding items affecting comparability, % | 13,0 | 15,7 | 14,0 | 13,9 | 14,1 | 14,0 | |||||||
| Basic earnings per share, SEK | 3,85 | 4,44 | 3,87 | 12,12 | 11,89 | 15,60 | |||||||
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 22-10-2026 06:30 CET.