v3.25.4
Net interest income
 12 Months Ended
Dec. 31, 2025
Revenue [abstract]  
Net interest income
Note 2. Net interest income
Skr mn202520242023
Interest income
Loans to credit institutions1,0059211,113
Loans to the public8,0039,8359,181
Loans in the form of interest-bearing securities1,9482,3512,448
Interest-bearing securities excluding loans in the form of interest-bearing securities1,9262,5612,885
Derivatives9823,3813,519
Administrative remuneration CIRR-system1
243240260
Other assets102631
Total interest income14,11719,31519,438
Interest expenses
Interest expenses excl. regulatory fees-11,154-16,011-16,299
Resolution fee-83-105-94
Risk tax-142-141-150
Other regulatory fees2
-19——
Total interest expenses-11,398-16,257-16,543
Net interest income2,7193,0582,895
1    Including administrative remuneration for concessionary loans by Skr 0 million (2024: Skr 0 million).
2 Other regulatory fees includes the fee to Riksbanken.
Skr mn202520242023
Interest income were related to:
Financial assets at fair value through profit or loss2,7825,5205,817
Derivatives used for hedge accounting 129506637
Financial assets at amortized cost11,20613,28912,984
Total interest income14,11719,31519,438
Interest expenses were related to:
Financial liabilities at fair value through profit or loss1,0467521,048
Financial assets measured at fair value through profit or loss – negative interest on income———
Financial assets measured at amortized cost – negative interest income———
Derivatives used for hedge accounting-1,576-5,731-8,035
Financial liabilities at amortized cost-10,868-11,278-9,556
Total interest expenses-11,398-16,257-16,543
Net interest income2,7193,0582,895
Interest income geographical areas
Skr mn202520242023
Sweden6,029 8,014 7,256 
Europe except Sweden1
3,718 6,141 6,866 
Countries outside of Europe2
4,370 5,160 5,316 
Total interest income14,11719,31519,438
1 Within Europe except Sweden, interest income from France makes up a significant portion, amounting to Skr 1,604 million (2014: Skr 3,662 million).
2 Within Countries outside of Europe, interest income from the USA makes up a significant portion, amounting to Skr 1,633 million (2014: Skr 2,139 million).
Interest income per product group
Skr mn202520242023
Lending to Swedish exporters6,0987,7957,352
Lending to exporters’ customers1
2,5243,5703,679
Liquidity5,4957,9508,407
Total interest income14,11719,31519,438
1 In interest income for Lending to exporters’ customers, Skr 243 million (2024: Skr 240 million) represents remuneration from the CIRR-system, see Note 24.