| Schedule of net interest income |
| | | | | | | | | | | | | Skr mn | 2025 | 2024 | 2023 | | Interest income | | | | | Loans to credit institutions | 1,005 | 921 | 1,113 | | Loans to the public | 8,003 | 9,835 | 9,181 | | Loans in the form of interest-bearing securities | 1,948 | 2,351 | 2,448 | | Interest-bearing securities excluding loans in the form of interest-bearing securities | 1,926 | 2,561 | 2,885 | | Derivatives | 982 | 3,381 | 3,519 | Administrative remuneration CIRR-system1 | 243 | 240 | 260 | | Other assets | 10 | 26 | 31 | | Total interest income | 14,117 | 19,315 | 19,438 | | 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 income | 2,719 | 3,058 | 2,895 | 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 mn | 2025 | 2024 | 2023 | | Interest income were related to: | | | | | Financial assets at fair value through profit or loss | 2,782 | 5,520 | 5,817 | | Derivatives used for hedge accounting | 129 | 506 | 637 | | Financial assets at amortized cost | 11,206 | 13,289 | 12,984 | | Total interest income | 14,117 | 19,315 | 19,438 | | Interest expenses were related to: | | | | | Financial liabilities at fair value through profit or loss | 1,046 | 752 | 1,048 | | 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 income | 2,719 | 3,058 | 2,895 |
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| Schedule of interest income by geographical areas |
Interest income geographical areas | | | | | | | | | | | | | Skr mn | 2025 | 2024 | 2023 | | Sweden | 6,029 | | 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 income | 14,117 | 19,315 | 19,438 | 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). |
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| Schedule of interest income by product group |
Interest income per product group | | | | | | | | | | | | | Skr mn | 2025 | 2024 | 2023 | | Lending to Swedish exporters | 6,098 | 7,795 | 7,352 | Lending to exporters’ customers1 | 2,524 | 3,570 | 3,679 | | Liquidity | 5,495 | 7,950 | 8,407 | | Total interest income | 14,117 | 19,315 | 19,438 | 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. |
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