The Swedish banks’ profitability, including net profit, decreased in the second half of 2025. Lending increased more among consumer credit firms than among other firms in the banking sector, which overall experienced a clear slow-down in lending. The major banks also continued to lose market shares on the Swedish lending market. These are the main findings in this publication of the Bank Barometer.
The Bank Barometer shows that Swedish banks’ net profit decreased by SEK 2 billion during the first half of 2025 compared to the second half of 2024. The decrease was attributable primarily to a decrease in net financial income. The report also shows that lending to the public has increased, while the percentage of non-performing loans has decreased.
Swedish banks’ net profit increased by SEK 4 billion in 2024 despite a decrease in net interest income. These are the main conclusions in Finansinspektionen’s report. The report also shows that lending to the public is increasing, as is the percentage of non-performing loans.