Banken SEB redovisar int\u00e4kter som var l\u00e4gre \u00e4n v\u00e4ntat under tredje kvartalet. R\u00f6relseresultatet var n\u00e5got l\u00e4gre \u00e4n v\u00e4ntat.<\/p>\n
De totala int\u00e4kterna uppgick till 18 664 miljoner kronor (20 908), vilket var s\u00e4mre \u00e4n Factsets analytikerkonsensus som l\u00e5g p\u00e5 19 182 miljoner kronor. <\/p>\n
R\u00e4ntenettot uppgick till 10 418 miljoner kronor (11 266), v\u00e4ntat 10 169 miljoner kronor. <\/p>\n
Provisionsnettot blev 6 287 miljoner kronor (6 034), v\u00e4ntat var 6 464 miljoner kronor. <\/p>\n
Tradingnettot uppgick till 1 889 miljoner kronor (3 562), konsensus 2 481 miljoner kronor. <\/p>\n
R\u00f6relsekostnaderna uppgick till 7 921 miljoner kronor (7 718), analytikerkonsensus var 8 016 miljoner kronor. <\/p>\n
Kreditf\u00f6rlusterna uppgick till 203 miljoner kronor. I fjol var kreditf\u00f6rlusterna 393 miljoner kronor. V\u00e4ntat var kreditf\u00f6rluster p\u00e5 386 miljoner kronor.<\/p>\n
R\u00f6relseresultatet blev 9 719 miljoner kronor (11 818), v\u00e4ntat var 9 840 miljoner kronor. <\/p>\n
Nettoresultatet blev 7 677 miljoner kronor (9 454).<\/p>\n
R\u00e4ntabiliteten p\u00e5 eget kapital l\u00e5g p\u00e5 14 procent (17).<\/p>\n
”V\u00e5rt kostnadsm\u00e5l f\u00f6r hel\u00e5ret \u00e4r of\u00f6r\u00e4ndrat i lokala valutor men har minskat ytterligare i SEK, givet den starkare svenska kronan”, s\u00e4ger vd Johan Torgeby i rapporten.<\/p>\n
F\u00f6r 2025 \u00e4r kostnadsm\u00e5let 33 miljarder kronor, +\/- 0,3 miljarder kronor, baserat p\u00e5 genomsnittliga valutakurser f\u00f6r 2024. Med genomsnittliga v\u00e4xelkurser hittills under 2025 \u00e4r det implicita
kostnadsm\u00e5let 32,6 miljarder kronor (32,7).<\/p>\n
Johan Torgeby lyfter ocks\u00e5 fram att bolaget forts\u00e4tter att jobba med AI-l\u00f6sningar.<\/p>\n
”F\u00f6r att framtids\u00e4kra banken forts\u00e4tter vi ocks\u00e5 att utveckla AI-l\u00f6sningar inom flera nya omr\u00e5den, inklusive HR, riskhantering, transaktions\u00f6vervakning och analyser f\u00f6r kundk\u00e4nnedom (KYC).
Dessa omr\u00e5den utg\u00f6r strategiska m\u00f6jligheter d\u00e4r AI kan bidra till avsev\u00e4rt h\u00f6gre effektivitet.”<\/p>\n
SEB aviserade ig\u00e5r kv\u00e4ll att man avser att starta ett nytt aktie\u00e5terk\u00f6psprogram p\u00e5 2,5 miljarder kronor.<\/p>\n
SEB, Mkr<\/p>\n<\/td>\n
Q3-2025<\/p>\n<\/td>\n
Konsensus<\/p>\n<\/td>\n
F\u00f6r\u00e4ndring mot konsensus<\/p>\n<\/td>\n
Q3-2024<\/p>\n<\/td>\n
F\u00f6r\u00e4ndring<\/p>\n<\/td>\n<\/tr>\n
Int\u00e4kter<\/p>\n<\/td>\n
18 664<\/p>\n<\/td>\n
19 182<\/p>\n<\/td>\n
-2,7%<\/p>\n<\/td>\n
20 908<\/p>\n<\/td>\n
-10,7%<\/p>\n<\/td>\n<\/tr>\n
R\u00e4ntenetto<\/p>\n<\/td>\n
10 418<\/p>\n<\/td>\n
10 169<\/p>\n<\/td>\n
2,4%<\/p>\n<\/td>\n
11 266<\/p>\n<\/td>\n
-7,5%<\/p>\n<\/td>\n<\/tr>\n
Provisionsnetto<\/p>\n<\/td>\n
6 287<\/p>\n<\/td>\n
6 464<\/p>\n<\/td>\n
-2,7%<\/p>\n<\/td>\n
6 034<\/p>\n<\/td>\n
4,2%<\/p>\n<\/td>\n<\/tr>\n
Tradingnetto<\/p>\n<\/td>\n
1 889<\/p>\n<\/td>\n
2 481<\/p>\n<\/td>\n
-23,9%<\/p>\n<\/td>\n
3 562<\/p>\n<\/td>\n
-47,0%<\/p>\n<\/td>\n<\/tr>\n
R\u00f6relsekostnader<\/p>\n<\/td>\n
-7 921<\/p>\n<\/td>\n
-8 016<\/p>\n<\/td>\n
-7 718<\/p>\n<\/td>\n
Kreditf\u00f6rluster<\/p>\n<\/td>\n
-203<\/p>\n<\/td>\n
-386<\/p>\n<\/td>\n
-393<\/p>\n<\/td>\n
R\u00f6relseresultat<\/p>\n<\/td>\n
9 719<\/p>\n<\/td>\n
9 840<\/p>\n<\/td>\n
-1,2%<\/p>\n<\/td>\n
11 818<\/p>\n<\/td>\n
-17,8%<\/p>\n<\/td>\n<\/tr>\n
Nettoresultat<\/p>\n<\/td>\n
7 677<\/p>\n<\/td>\n
9 454<\/p>\n<\/td>\n
-18,8%<\/p>\n<\/td>\n<\/tr>\n
Konsensusdata fr\u00e5n Factset<\/p>\n","protected":false},"excerpt":{"rendered":"Banken SEB redovisar int\u00e4kter som var l\u00e4gre \u00e4n v\u00e4ntat under tredje kvartalet. R\u00f6relseresultatet var n\u00e5got l\u00e4gre \u00e4n v\u00e4ntat.…\n","protected":false},"author":2,"featured_media":26046,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[65],"tags":[72,70,71,34,2666,5796,31,33,32,30],"class_list":{"0":"post-62527","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ekonomi","8":"tag-business","9":"tag-economy","10":"tag-ekonomi","11":"tag-se","12":"tag-seb","13":"tag-seb-c","14":"tag-svenska","15":"tag-sverige","16":"tag-sweden","17":"tag-swedish"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@se\/115423531741277985","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/62527","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/comments?post=62527"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/posts\/62527\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media\/26046"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/media?parent=62527"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/categories?post=62527"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/se\/wp-json\/wp\/v2\/tags?post=62527"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}