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Q2 2021 Interim report January - June 2021 , 16 July 2021 Interim report for the second quarter 2021 Second quarter 2021 compared with first quarter 2021 ● ● ● ● Return on equity increased to 14.2 per cent High growth in mortgage volumes Net commission income reaches record level Expenses according to plan Small net recoveries on credit impairments Solid capital and liquidity buffers Financial information SEKM Total income Net interest income Net commission income Net gains and losses on financial items Other income ¹ ) Total expenses of which adminstrative fine Profit before impairment Impairment of intangible and tangible assets Credit impairment Profit before tax Tax expense Profit for the period attributable to : Shareholders of Swedbank AB Eamings per share , SEK , after dilution Return on equity , % Return on equity excl . administrative fine , % Swedbank - Interim report Q2 2021 Q2 2021 1 11 870 6 572 3 674 645 979 4 989 6 881 56 -27 6 852 1 288 5 563 4.95 14.2 14.2 0.42 0.42 Swedbank 18.5 -0.01 " Growth , better profitability and a clear business focus characterised the Q1 2021 11 402 6 541 3 360 4 0 9 585 10 916 7 0 4974 6 428 246 6 182 1 208 4 975 4.43 12.8 12.8 0.44 0.44 % 18.0 0.06 7 11 7 12 quarter . " Jens Henriksson , President and CEO Jan - Jun 2021 23 272 13 113 7 034 1 230 1 895 9 963 13 309 56 219 13 034 2 496 10 538 Jan - Jun 2020 22 308 13 572 6 148 1 076 1 512 14213 4 000 8 095 9.38 13.5 13.5 C / I ratio 0.43 0.43 C / I ratio excl . administrative fine Common Equity Tier 1 capital ratio , % 18.5 Credit impairment ratio , % 0.03 1 ) Other income includes the items Net insurance , Share of profit or loss of associates and joint ventures and Other income from the Group income statement . 3 386 4 709 1 552 CE 1 3 158 2.81 4.4 10.0 0.64 0.46 17.5 0.40 % 4 -3 14 14 25 -30 64 -94 61