| Loans and liquidity investments |
Note 11. Loans and liquidity investments | | | | | | | | | Skr mn | Dec 31,
2025 | Dec 31,
2024 | | Loans: | | | | Loans in the form of interest-bearing securities | 47,485 | 48,726 | | Loans to credit institutions | 22,939 | 13,529 | | Loans to the public | 200,216 | 224,354 | | Less: | | | | Cash collateral under the security agreements for derivative contracts | -6,858 | -3,201 | Deposits where time to maturity exceeds 3 months1 | -1,070 | — | | Total lending portfolio | 262,712 | 283,408 | | | | | Liquidity investments: | | | | Cash and cash equivalents | 7,259 | 5,219 | | Treasuries/government bonds | 13,419 | 4,150 | | Other interest-bearing securities except loans | 43,237 | 52,843 | Deposits where the time to maturity exceeds 3 months1 | 1,070 | — | | Total liquidity investments | 64,985 | 62,212 | | of which issued by public authorities | 15,530 | | 11,697 | | 1 The line item also includes deposits which are not freely available, e.g., the deposit requirement with the Swedish central bank. |
Difference between carrying amount and amount contractually required to be paid at maturity for interest-bearing securities not carried at fair value | | | | | | | | | | Skr mn | 2025 | 2024 | | Sum of amounts exceeding nominal | 119 | 74 | | Sum of amounts falling below nominal | -328 | -640 |
Outstanding loans per business area | | | | | | | | | | | | | | | | | of which the CIRR-system | | Skr mn | Dec 31,
2025 | Dec 31,
2024 | Dec 31,
2025 | Dec 31,
2024 | | Lending to Swedish exporters | 134,090 | 133,580 | — | — | | Lending to exporters’ customers | 128,623 | 149,828 | 85,643 | 101,657 | Total lending portfolio1 | 262,712 | 283,408 | 85,643 | 101,657 | 1 Including concessionary loans in the amount of Skr 0 million (year-end 2024: Skr 64 million). |
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