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Swedbank – Interim report Third quarter│2026│1 Interim report Third quarter | January – September 2026 22 October 2026

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Swedbank – Interim report Third quarter│2026│2 Third quarter 2026 “Proactive work close to our customers creates business momentum” Jens Henriksson President and CEO Financial information Q3 Q2 Jan-Sep Jan-Sep SEKm 2026 2026 % 2026 2025 % Total income 17 986 18 104 -1 53 164 51 396 3 Net interest income 11 568 11 276 3 33 991 33 225 2 Net commission income 4 704 4 462 5 13 338 12 071 10 Net gains and losses on financial items 601 1 060 -43 2 350 2 245 5 Other income¹ 1 114 1 306 -15 3 484 3 855 -10 Total expenses 7 417 7 854 -6 22 153 18 264 21 of which extraordinary costs² 673 860 -22 1 533 0 of which VAT reimbursements² 0 0 0 -576 Profit before impairments, bank taxes and resolution fees 10 569 10 250 3 31 011 33 131 -6 Impairment of tangible and intangible assets 0 0 0 0 -98 Credit impairments² -701 313 -224 -389 -42 Bank taxes and resolution fees 730 786 -7 2 188 2 269 -4 Profit before tax 10 541 9 151 15 29 048 31 251 -7 Tax expense 2 292 1 956 17 6 258 6 657 -6 Profit for the period 8 249 7 195 15 22 789 24 593 -7 Earnings per share, SEK, after dilution 7.30 6.37 20.16 21.77 Return on equity, % 15.6 14.2 14.2 15.4 Return on equity adjusted, %² 16.0 15.5 14.8 15.1 C/I ratio 0.41 0.43 0.42 0.36 C/I ratio adjusted² 0.37 0.39 0.39 0.37 Common Equity Tier 1 capital ratio, % 17.2 17.4 17.2 19.7 Credit impairment ratio, % -0.14 0.06 -0.01 -0.03 Full-time employees 17 235 17 293 17 235 16 698 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. 2) See the tables Adjusting items on page 6 and 7. 1) See table Adjusting items on page 6.  Positive business climate and strong result for the quarter  Approvals of credit risk models in Sweden and the Baltics  Most loved brand in the Baltics for the eighth consecutive year

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Swedbank – Interim report Third quarter│2026│3 CEO Comment The third quarter was characterised by a high level of activity. Through advisory, financing and everyday banking services, we support our customers, and Swedbank has once again delivered a strong result in uncertain times. The global economy continues to show resilience. High energy prices are holding back growth, while large tech investments, especially in AI, are making a positive contribution. According to the IMF, global growth is expected to reach 3 per cent in 2026 and then increase slightly in 2027. With strong fundamentals in place, our home markets continue to develop well. Rising real wages and increased purchasing power and investments are strengthening economic activity. We estimate that the economies of Sweden, Estonia, Latvia and Lithuania will grow by 2 to 3 per cent this year, twice as fast as the expected growth rate in the euro area. Profit increased during the quarter and amounted to SEK 8 249m. Return on equity was 15.6 per cent. Both net interest income and net commission income increased, while net gains and losses on financial items and other income decreased. Costs decreased and were seasonally lower. Credit quality is solid. During the quarter, the risk level in Entercard has been adapted to Swedbank’s risk appetite, and Entercard’s consumer loans are being sold. Credit impairments were positive and amounted to SEK 701m during the quarter. Earnings per share amounted to SEK 7.30. After the end of the quarter, we received notification that two of our important credit risk models have been approved: the mortgage model in Sweden and the corporate model in the Baltics. We are continuing to deliver on our Swedbank 15/27 plan through strengthened customer interactions, increased business volumes and improved efficiency. With our improved organisation in place, we are working proactively and closer to our customers. We have created clear business momentum in our four home markets. This is reflected in the strong growth in mortgages, savings and our corporate business. Swedbank is a leader in the mortgage markets in Sweden, Estonia, Latvia and Lithuania. In Sweden, we once again grew faster than the market, taking 19 per cent of total market growth in July and August in our own channels. The mortgage business performed strongly in the Baltics. Stable labour markets and rising real wages contributed to a high level of activity in the housing market. New sales were high in all three countries and mortgage volumes rose by 6 per cent in local currency. Our savings business was characterised by a high level of activity and strong trust from our customers. Net inflows to Swedbank Robur and Swedbank Försäkring amounted to SEK 8bn and SEK 12bn respectively during the quarter. Swedbank Robur is the largest actor in the fund market in Sweden, Estonia, Latvia and Lithuania. During the quarter, we launched the Swedbank Robur Food and Water fund, which invests in companies that are developing solutions for the future supply of essential resources. In the corporate business, our clear customer focus and proactive work are producing results. Lending volumes grew by SEK 12bn, of which the real estate sector accounted for approximately half. In the Baltics, corporate lending increased by 6 per cent in local currency. Growth was driven primarily by the energy sector and agriculture. Swedbank is an important financier of investments that contribute to the energy transition in Estonia, Latvia and Lithuania. Swedbank has been named the most-loved brand in the Baltic countries for the eighth consecutive year. This is a level of trust we will continue to earn. AI is an important part of our strategic work and is being used to develop the business, give our employees better support, improve efficiency and strengthen cyber- security. During the quarter, we launched The Oak, our AI-assistant for all employees in the bank. AI for all, opportunities for all. As a bank, we have an important responsibility to help improve the financial health of both adults and children. Through our new collaboration with the Gimi app, we help children explore everyday finances and savings together with their parents. Swedbank operates in some of Europe’s most attractive markets and we create value for our customers and shareholders. We stand strong and are well-positioned for sustainable growth and profitability. Our customers’ future is our focus. Jens Henriksson President and CEO

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Swedbank – Interim report Third quarter│2026│4 Table of Contents Financial overview 5 Notes to the financial statements Important to note 6 Note 1 Accounting policies 22 Group development 6 Note 2 Critical accounting estimates 22 Volume trend by product area 7 Note 3 Changes in the Group structure 22 Credit and asset quality 9 Note 4 Operating segments (business areas) 23 Funding and liquidity 9 Ratings 10 Note 5 Net interest income 27 Capital and capital adequacy 10 Note 6 Net commission income 28 Other events 11 Note 7 Net gains and losses on financial items 29 Events after the end of the period 11 Business areas Note 8 Net insurance income 30 Swedish Banking 12 Note 9 Other general administrative expenses 30 Baltic Banking 13 Corporates and Institutions 14 Note 10 Credit impairments 31 Wealth Management 15 Note 11 Bank taxes and resolution fees 34 Group Functions and Other 16 Note 12 Loans 35 Financial statements - Group Note 13 Credit impairment provisions 36 Income statement, condensed 17 Note 14 Credit risk exposures 38 Statement of comprehensive income, condensed 18 Note 15 Intangible assets 39 Note 16 Amounts owed to credit institutions 39 Balance sheet, condensed 19 Statement of changes in equity, condensed 20 Note 17 Deposits and borrowings from the public 39 Cash flow statement, condensed 21 Note 18 Debt securities in issue, senior non-preferred liabilities and subordinated liabilities 40 Note 19 Derivatives 40 Note 20 Valuation categories for financial instruments 41 Note 21 Financial instruments recognised at fair value 43 Note 22 Assets pledged, contingent liabilities/-assets and commitments 44 Note 23 Offsetting financial assets and liabilities 45 Note 24 Assets held for sale 45 Note 25 Business combination 46 Note 26 Capital adequacy, consolidated situation 48 Note 27 Internal capital requirement 50 Note 28 Risks and uncertainties 50 Note 29 Related-party transactions 51 Note 30 Swedbank’s share 52 Financial statements - Swedbank AB 53 Alternative performance measures 58 Signatures of the Board of Directors and the President 60 Review report 61 Publication of financial information 62 More detailed information be found in Swedbank’s Factbook, www.swedbank.com/factbook

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Swedbank – Interim report Third quarter│2026│5 Financial overview Income statement Q3 Q2 Q3 Jan-Sep Jan-Sep SEKm 2026 2026 % 2025 % 2026 2025 % Net interest income 11 568 11 276 3 10 819 7 33 991 33 225 2 Net commission income 4 704 4 462 5 4 117 14 13 338 12 071 10 Net gains and losses on financial items 601 1 060 -43 847 -29 2 350 2 245 5 Other income¹ 1 114 1 306 -15 1 322 -16 3 484 3 855 -10 Total income 17 986 18 104 -1 17 105 5 53 164 51 396 3 Staff costs 4 098 4 781 -14 3 773 9 12 932 11 370 14 VAT reimbursements² 0 0 -197 0 -576 Other expenses² 3 319 3 074 8 2 455 35 9 221 7 470 23 Total expenses 7 417 7 854 -6 6 030 23 22 153 18 264 21 Profit before impairments, bank taxes and resolution fees 10 569 10 250 3 11 075 -5 31 011 33 131 -6 Impairment of tangible and intangible assets 0 0 0 -67 0 0 -98 Credit impairments -701 313 -398 76 -224 -389 -42 Bank taxes and resolution fees 730 786 -7 663 10 2 188 2 269 -4 Profit before tax 10 541 9 151 15 10 809 -2 29 048 31 251 -7 Tax expense 2 292 1 956 17 2 298 0 6 258 6 657 -6 Profit for the period 8 249 7 195 15 8 512 -3 22 789 24 593 -7 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. 2) There has been a reclassification from Other expenses to VAT reimbursments. Comparative figures have been restated for 2025. Q3 Q2 Q3 Jan-Sep Jan-Sep Key ratios and data per share 2026 2026 2025 2026 2025 Return on equity, % 15.6 14.2 16.0 14.2 15.4 Earnings per share before dilution, SEK¹ 7.34 6.40 7.57 20.28 21.88 Earnings per share after dilution, SEK¹ 7.30 6.37 7.53 20.16 21.77 C/I ratio 0.41 0.43 0.35 0.42 0.36 Equity per share, SEK¹ 192.2 184.2 193.7 192.2 193.7 Loans to customers/deposit from customers ratio, % 145 143 140 145 140 Common Equity Tier 1 capital ratio, % 17.2 17.4 19.7 17.2 19.7 Tier 1 capital ratio, % 18.8 19.0 21.3 18.8 21.3 Total capital ratio, % 21.9 21.5 24.0 21.9 24.0 Credit impairment ratio, % -0.14 0.06 -0.08 -0.01 -0.03 Share of Stage 3 loans, gross, % 0.38 0.45 0.55 0.38 0.55 Total credit impairment provision ratio, % 0.28 0.29 0.29 0.28 0.29 Liquidity coverage ratio (LCR), % 160 150 157 160 157 Net stable funding ratio (NSFR), % 121 122 128 121 128 1) The number of shares and calculation of earnings per share are specified in Note 30. Balance sheet data 30 Sep 31 Dec 30 Sep SEKbn 2026 2025 % 2025 % Loans to customers 1 965 1 882 4 1 829 7 Deposits from customers 1 359 1 300 5 1 307 4 Equity attributable to shareholders of the parent company 216 226 -4 218 -1 Total assets 3 384 3 063 10 3 125 8 Risk exposure amount 999 932 7 901 11 Definitions of all key ratios can be found in Swedbank’s Factbook on page 79.

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Swedbank – Interim report Third quarter│2026│6 Important to note This interim report contains alternative performance measures that Swedbank considers valuable information for the reader, since they are used by the Group Executive Committee for internal governance and performance measurement, as well as for comparisons between reporting periods. Further information on the alternative performance measures used in the interim report can be found on page 58. Group development Result for third quarter 2026 compared to second quarter 2026 Swedbank’s profit increased to SEK 8 249m (7 195). Income decreased, but at the same time both expenses and credit impairments decreased compared to the preceding quarter. Foreign exchange effects boosted the profit before impairments, bank taxes and resolution fees by SEK 82m. The return on equity was 15.6 per cent (14.2) and the cost/income ratio was 0.41 (0.43). The adjusted return on equity was 16.0 per cent and the adjusted cost/income ratio was 0.37. Q3 Q3 Q2 Q2 2026 2026 2026 2026 Income statement items, SEKm adj¹ adj¹ Total income 17 986 17 986 18 104 18 104 Total expenses 7 417 6 744 7 854 6 994 Credit impairments -701 -158 313 313 Profit before tax 10 541 10 671 9 151 10 011 Tax expense 2 292 2 219 1 956 2 133 Profit for the period 8 249 8 452 7 195 7 878 Return on equity, % 15.6 16.0 14.2 15.5 C/I ratio 0.41 0.37 0.43 0.39 1) See table Adjusting items. Q3 Q2 Adjusting items, SEKm 2026 2026 Expenses Restructuring costs -190 -860 of which staff costs -670 of which other general administrative expenses -190 -190 Settlement with New York State Departement of Financial Services -483 Total expense adjustment -673 -860 Credit impairments Reassesment held for sale assets 543 Adjustement of Profit before tax 130 860 Adjusted tax expense -73 177 Adjustment of Profit for the period 203 683 Income decreased to SEK 17,986m (18,104). Net interest income and net commission income increased, while net gains and losses on financial items and other income decreased. Foreign exchange effects increased income by SEK 126m. Net interest income increased to SEK 11 568m (11 276) mainly due to increased loan volumes in both Sweden and the Baltic countries. In the Baltic countries, higher earnings on deposits contributed to net interest income, while borrowing costs rose due to higher market interest rates. One additional interest day and foreign exchange effects made positive contributions. Net commission income rose to SEK 4 704m (4 462). The increase was mainly due to higher asset management commissions, resulting from stock market and exchange rate developments. At the same time, card commissions were seasonally higher. One additional day made a positive contribution. Net gains and losses on financial items decreased to SEK 601m (1 060). The decrease was primarily attributable to revaluation effects. Income related to customer trading decreased. Other income decreased to SEK 1 114m (1 306), mainly due to lower net insurance income, following revaluation effects. Higher claims in the Baltic countries also contributed to the decrease, partly offset by profits from companies in which Swedbank is a partial owner. Expenses decreased to SEK 7 417m (7 854). The main reason was that extraordinary costs relating to Swedbank’s restructuring programme were lower than in the second quarter of 2026, which was offset by the settlement with the New York State Department of Financial Services (DFS) amounting to SEK 483m. Underlying expenses decreased in line with the usual seasonal pattern. Foreign exchange effects increased expenses by SEK 44m. Credit impairments were net positive and amounted to SEK -701m (313), corresponding to a credit impairment ratio of –0.14 per cent (0.06). Swedbank’s agreement on the sale of non-performing loans in Entercard contributed to a reduction in expected credit impairments of SEK 543m. Rating and stage migrations contributed SEK 420m (462), which was offset by individual assessments of SEK -265m (-191), updated macroeconomic scenarios of SEK -216m (108) and post-model adjustments of SEK -70m (-109). Bank taxes and resolution fees amounted to SEK 730m (786). The decrease between quarters was primarily due to the fact that expenses relating to the Riksbank’s interest-free deposit requirements were recognised during the second quarter. The income tax expense amounted to SEK 2 292m (1 956), corresponding to an effective tax rate of 21.7 per cent (21.4). The cost of the settlement with DFS in the third quarter was assessed as non-tax-deductible, which contributed to the higher effective tax rate.

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Swedbank – Interim report Third quarter│2026│7 Result for January-September 2026 compared to January-September 2025 Swedbank’s profit decreased to SEK 22 789m (24 593). Costs increased compared to the corresponding period in the preceding year, partly offset by increased income and lower credit impairments. Foreign exchange effects had a negative impact of SEK 152m on profit before impairments, bank taxes and resolution fees. Return on equity was 14.2 per cent (15.4) and the cost/income ratio was 0.42 (0.36). The adjusted return on equity was 14.8 per cent and the adjusted cost/income ratio was 0.39. Jan-Sep Jan-Sep Jan-Sep Jan-Sep 2026 2026 2025 2025 Income statement items, SEKm adj¹ adj¹ Total income 53 164 53 164 51 396 51 396 Total expenses 22 153 20 620 18 264 18 840 Credit impairments -224 319 -389 -389 Profit before tax 29 048 30 037 31 251 30 675 Tax expense 6 258 6 363 6 657 6 539 Profit for the period 22 789 23 674 24 593 24 136 Return on equity, % 14.2 14.8 15.4 15.1 C/I ratio 0.42 0.39 0.36 0.37 1) See table Adjusting items. Jan-Sep Jan-Sep Adjusting items, SEKm 2026 2025 Expenses Restructuring costs -1 050 of which staff costs -670 of which other general administrative expenses -380 Settlement with New York State Departement of Financial Services -483 VAT reimbursements 576 Total expense adjustment -1 533 576 Credit impairments Reassesment held for sale assets 543 Adjustement of Profit before tax 990 -576 Adjusted tax expense 104 -119 Adjustment of Profit for the period 886 -457 Income rose to SEK 53 164m (51 396) as a result of higher net commissions, net interest income and net gains and losses on financial items, while other income decreased. Foreign exchange effects negatively impacted income by SEK 265m. Net interest income increased slightly to SEK 33 991m (33 225). The acquisition of Entercard in December 2025 and increased volumes made a positive contribution, partly offset by lower interest rate environment in Sweden. Foreign exchange effects negatively impacted net interest income. Net commission income rose to SEK 13 338m (12 071), mainly related to higher asset management commissions due to a positive stock market performance and higher card commissions largely resulting from the acquisition of Entercard. Net gains and losses on financial items increased to SEK 2 350m (2 245). Other income decreased to SEK 3 484m (3 855). The decrease was mainly due to lower net insurance income relating to higher levels of claims during 2026. Expenses increased to SEK 22 153m (18 264). The increase was mainly attributable to the restructuring programme that began during the second quarter of 2026. Other contributing factors were the settlement with DFS corresponding to SEK 483m in the third quarter, the acquisitions of Entercard in December 2025 and Stabelo in November 2025, annual wage reviews and higher IT costs. The increase in 2026 is also explained by VAT reimbursements during the first three quarters of 2025. Foreign exchange effects reduced expenses by SEK 113m. Credit impairments were net positive and amounted to SEK -224m (-389), corresponding to a credit impairment ratio of –0.01 per cent (-0.03). Rating and stage migrations contributed to increases in expected credit impairments. The increase was offset by reductions from individual assessments and as a consequence of the agreement on the sale of non-performing loans in Entercard. Bank taxes and resolution fees amounted to SEK 2 188m (2 269). Bank taxes in Sweden increased in 2026, while the temporary bank tax in Lithuania had ended. The net change between the years resulted in a decrease in bank taxes and resolution fees. The income tax expense amounted to SEK 6 258m (6 657), corresponding to an effective tax rate of 21.5 per cent (21.3). The cost of the settlement with DFS in the third quarter of 2026 was assessed as non-tax- deductible, which contributed to the higher effective tax rate. Volume trend by product area Swedbank mainly conducts business in the product areas of lending, deposits, fund savings, life insurance and payments. Lending Lending to customers increased by SEK 31bn to SEK 1 965bn (1 934) during the quarter, corresponding to 2 per cent. Compared to the corresponding period in the preceding year, lending increased by SEK 136bn, equivalent to 7 per cent. Foreign exchange effects positively impacted lending volumes by SEK 12bn compared to the second quarter of 2026 and by SEK 16bn compared to the third quarter in the preceding year.

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Swedbank – Interim report Third quarter│2026│8 30 Sep 30 Jun 30 Sep Loans to customers, SEKbn 2026 2026 % 2025 % Loans, private mortgage 1 109 1 092 2 1 050 6 of which Sweden¹ 953 945 1 915 4 of which Baltic countries 156 147 6 135 15 Loans, private other 72 70 3 51 42 of which Sweden 37 37 -0 22 65 of which Baltic countries 31 29 6 28 8 of which other 4 4 7 Loans, corporate 784 772 2 728 8 of which Sweden 549 551 -0 527 4 of which Baltic countries 154 145 6 134 15 of which other 81 76 6 67 21 Total 1 965 1 934 2 1 829 7 1) Including volumes brokered by the savings banks. In Sweden, lending to customers increased by SEK 6bn during the quarter to SEK 1 539bn (1 533). Compared to the corresponding quarter in the preceding year, lending increased by SEK 75bn. Mortgage lending in Sweden increased by SEK 8bn during the quarter to SEK 953bn (945). Lending through Swedbank’s own channels, including Stabelo, increased by SEK 7bn, while the volume brokered by the savings banks in Swedbank Hypotek increased by SEK 1bn. Compared to the corresponding quarter in the preceding year, mortgage lending increased by SEK 38bn, of which the acquisition of Stabelo contributed just over SEK 17bn. Swedbank’s market share for mortgages in Sweden amounted to 22 per cent as of 31 August, of which the volumes brokered by the savings banks in Swedbank Hypotek accounted for 4 per cent. Other private loans in Sweden were stable and amounted to SEK 37bn (37). Corporate loans in Sweden remained largely unchanged during the quarter and amounted to SEK 549bn (551). Compared to the corresponding quarter in the preceding year, corporate lending increased by SEK 22bn. In Sweden, Swedbank’s market share for corporate lending was 15 per cent as of 31 August. In the Baltic countries, lending volume increased by 4 per cent in local currency (EUR) compared to the preceding quarter. Private lending rose by 4 per cent (EUR) and corporate lending by 4 per cent (EUR). Compared to the corresponding quarter in the preceding year, lending in the Baltic countries rose by 11 per cent (EUR). The Swedbank Sustainable Asset Register increased by SEK 9bn to SEK 188bn (179) during the quarter. The increase was primarily related to financing for green buildings, renewable energy and green transport. At the end of the quarter, the register contained SEK 181bn in green assets and SEK 7bn in social assets, which are financed by the bank’s sustainable bonds. For more information on lending and the Sustainable Asset Register, see pages 38 and 72 of the Factbook. Deposits Total deposits increased by SEK 10bn to SEK 1 359bn (1 349), corresponding to 1 per cent compared to the preceding quarter. Compared to the corresponding period in the preceding year, total deposits increased by SEK 52bn, corresponding to 4 per cent. Foreign exchange effects impacted total deposit volume positively by SEK 13bn compared to the preceding quarter and positively by SEK 14bn compared to the corresponding quarter in the preceding year. 30 Sep 30 Jun 30 Sep Deposits from customers, SEKbn 2026 2026 % 2025 % Deposits, private 813 805 1 765 6 of which Sweden 505 507 0 496 2 of which Baltic countries 308 298 3 269 15 Deposits, corporate 546 544 0 541 1 of which Sweden 353 365 -3 376 -6 of which Baltic countries 172 163 5 155 11 of which other 21 16 35 10 Total 1 359 1 349 1 1 307 4 In Sweden, deposits decreased by SEK 14bn to SEK 858bn (872), corresponding to -2 per cent compared to the preceding quarter. Household deposits in Sweden decreased by SEK 2bn compared to the preceding quarter to SEK 505bn (507), while corporate deposits decreased by SEK 12bn to SEK 353bn (365). In the Baltic countries, deposits increased by 1 per cent in local currency (EUR) compared to the preceding quarter. Private deposits increased by 1 per cent (EUR), while corporate deposits increased by 3 per cent (EUR). Compared to the corresponding quarter in the preceding year, deposits in the Baltic countries rose by 10 per cent (EUR). As of 31 August, Swedbank’s market share for private deposits in Sweden was 17 per cent and the market share for corporate deposits was 12 per cent. For more information on deposits, see page 39 of the Factbook. Assets under management Fund assets under management increased during the third quarter and amounted to SEK 2 438bn (2 357). Of this amount, SEK 2 427bn (2 347) related to Swedbank Robur. The increase related to Sweden, Estonia, Latvia and other markets, where both a positive net flow and, above all, a positive market trend contributed. In Lithuania, fund assets under management decreased due to outflows linked to the pension reform that enables savers to withdraw pension capital in advance.

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Swedbank – Interim report Third quarter│2026│9 Asset management 30 Sep 30 Jun 30 Sep (including life insurance) SEKbn 2026 2026 2025 Sweden 2 265 2 190 1 840 Estonia 46 44 37 Latvia 60 57 49 Lithuania 34 36 49 Other countries 32 30 22 Total Mutual funds under Management 2 438 2 357 1 997 of which Robur funds under management 2 427 2 347 1 987 Closed end funds 0 1 1 Discretionary asset management 551 545 499 Total assets under Management 2 989 2 903 2 497 of which Robur total Assets under Management 2 961 2 876 2 471 The net inflow to the Swedish fund market amounted to SEK 46bn (63). The largest inflows were in index and bond funds. For active equity funds, an increased outflow was reported compared to the preceding quarter. For Swedbank Robur’s funds sold in Sweden, the net inflow amounted to SEK 8bn (22) during the period. Sales of funds via Swedbank and savings banks were strong. The institutional business and third-party distribution had positive flows, but at a lower level than in the preceding quarter. Sales via the Swedish Pensions Agency showed net outflows during the third quarter, in line with the market as a whole. In Estonia and Latvia, the net inflow amounted to a total of SEK 1bn (1). In Lithuania, net outflow decreased to SEK 3bn (-18) due to the introduction of the pension reform. In other markets (i.e. third-party distributors or institutional customers with geographical domicile outside Swedbank’s home markets), the net inflow rose to SEK 3bn (2). Measured in terms of assets under management, Swedbank Robur is the leader in the Swedish and Baltic fund markets. As of the end of the quarter, Swedbank Robur’s market share in Sweden was 22 per cent. In Estonia, Latvia and Lithuania, the market shares were 39, 37 and 32 per cent respectively. Assets under management in the Swedish life insurance business increased during the third quarter by 5 per cent to SEK 536bn (512). Insurance premium income, consisting of premium payments and capital transfers, amounted to SEK 12bn (12) in the third quarter. Assets under management, life 30 Sep 30 Jun 30 Sep insurance SEKbn 2026 2026 2025 Sweden 536 512 432 of which collective occupational pensions 315 299 251 of which endowment insurance 138 133 114 of which occupational pensions 69 66 55 of which other 14 14 12 Baltic countries 11 11 10 Total assets under management 547 522 442 For premium income, excluding capital transfers, Swedbank’s market share in the second quarter was 7 per cent (unchanged compared to the first quarter). In the transfer market, Swedbank’s market share was 12 per cent in the second quarter (11 per cent in the first quarter). Cards Acquired card transaction volumes in Sweden, Norway, Finland and Denmark amounted to SEK 218bn during the period, a decrease of 7 per cent compared to the preceding year. The decrease was mainly due to currency effects and to changes in the customer portfolio. In the Baltic countries, acquired card transaction volumes amounted to SEK 44bn, an increase of 5 per cent compared to the preceding year. In local currency, acquired card transaction volumes increased by 8 per cent, driven by good underlying market activity. The number of card purchases made with Swedbank cards in Sweden, including cards issued by Entercard, amounted to 439 million (421), an increase of 9 per cent compared to the corresponding quarter of the preceding year. In the Baltic countries, the number of card purchases rose by 5 per cent compared to the corresponding period in the preceding year and amounted to a total of 302 million (279) during the quarter. Q3 Q2 Q3 Cards¹ 2026 2026 2025 Card acquiring transaction volumes (SEK bn) 262 267 277 Number of card purchases (millions) 741 700 689 Number of issued cards at balance sheet date (millions) 10 10 9 1) Swedbank acquired Entercard on 1 December 2025. Credit and asset quality The credit quality of Swedbank’s lending is solid and credit impairments are low. Total credit impairment provisions amounted to SEK 5 961m (6 202), of which SEK 93m (161) was post-model adjustments. The total share of loans in stage 2, gross, amounted to 7.8 per cent (7.9). The corresponding share for loans to private customers was 6.9 per cent (6.8), and for corporate lending it was 9.3 per cent (9.6). The total share of loans in stage 3, gross, was 0.38 per cent (0.45). The share for loans to private customers was 0.39 per cent (0.42), and for corporate lending it was 0.37 per cent (0.50). For more information on credit exposures, provisions and credit quality, see Notes 10, 12–14, as well as pages 41–49 in the Factbook. Funding and liquidity The third quarter was characterised by higher interest rates and by credit markets that functioned well. Concerns about higher inflation, primarily linked to

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Swedbank – Interim report Third quarter│2026│10 higher energy prices, contributed to higher yield requirements on government bonds and to expectations that central banks’ policy rates will be raised and remain high for a longer period. Despite higher interest rates, credit spreads remained low, with some exceptions at the end of the quarter. Supported by continued inflows into fixed-income funds, demand from investors was strong. The Riksbank left the policy rate unchanged during the quarter, while the European and US central banks raised their policy rates. During the quarter, Swedbank primarily issued covered bonds in SEK, but also a senior green bond and a supplementary capital instrument (Tier 2) in euro. In total for the quarter, Swedbank issued SEK 40bn in long- term funding. At the end of the quarter, Swedbank’s short-term funding amounted to SEK 355bn (348). The need for financing is affected by the current liquidity situation, future maturities, and changes in deposit and lending volumes, and is therefore adjusted during the course of the year. For more information on funding and liquidity, see Notes 16–18 and pages 59–69 in the Factbook. 30 Sep 30 Jun 30 Sep Liquid assets and ratios 2026 2026 2025 Cash and balances with central banks and the National Debt Office, SEKbn 277 256 316 Liquidity reserve, SEKbn 598 597 641 Liquidity coverage ratio (LCR), %¹ 160 150 157 Net stable funding ratio (NSFR), % 121 122 128 1) As of 30 September 2026: USD 264 %; EUR 364 %; SEK 98 % Ratings There were no changes in Swedbank’s credit ratings during the quarter. For more information about credit ratings, see page 71 in the Factbook. Credit ratings Moody's S&P Fitch Covered bonds Aaa AAA - Senior unsecured bonds Aa2 AA- AA+ Senior non-preferred bonds A2 A AA- Tier 2 A3 A- A Additional Tier 1 Baa2 BBB BBB+ Short-term P-1 A-1+ F1+ Outlook Stable Stable Stable Capital and capital adequacy Capital ratio and capital requirement The Common Equity Tier 1 (CET1) capital ratio was 17.2 per cent (17.4) at the end of the quarter. The total CET1 capital requirement, including Pillar 2 guidance, increased to 15.1 per cent (14.8) of the risk exposure amount (REA), mainly as a result of the annual updates in the Supervisory Review and Evaluation Process (SREP). The core primary capital buffer amounted to 2.1 per cent (2.6). CET1 capital amounted to SEK 172bn (170) and was mainly affected by the quarterly profit and estimated dividend. Change in Common Equity Tier 1 capital (Refers to the Swedbank consolidated situation) Risk Exposure Amount (REA) The REA increased to SEK 999bn (976) in the third quarter. The REA for credit risk increased by SEK 23bn, mainly due to increased volumes in Sweden and the Baltic countries. Credit valuation adjustment increased by SEK 0.7bn due to increased exposures. Change in REA (Refers to the Swedbank consolidated situation) The leverage ratio was 6.3 per cent (6.3) and thereby exceeded the leverage ratio requirement including Pillar 2 guidance of 3.2 per cent. Capital and resolution regulations The Swedish Financial Supervisory Authority (SFSA) decided on new capital requirements in connection with the annual SREP. Overall, the decision resulted in an increase of approximately 0.23 percentage points in the Pillar 2 requirement (P2R) for CET1 capital relative to the REA. The increase in P2R was partly due to portfolio developments that affects risk weights under the standardised approach that forms the basis of the SFSA’s calculation of the capital add-on in Pillar 2 for deficiencies in internal ratings-based (IRB) models, and partly to a higher capital requirement for interest rate risk in the banking book (IRRBB). In relation to REA, P2R for CET1 capital was 1.7 per cent (1.5). The Pillar 2 guidance (P2G) was unchanged at 0.5 per cent for CET1 capital in relation to REA and 0.15 per cent of the gross equity exposure amount for leverage ratio respectively.

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Swedbank – Interim report Third quarter│2026│11 In accordance with guidelines from the European Banking Authority (EBA) and in order to adapt to the Capital Requirements Regulation III (CRR3), Swedbank is applying for approval of new IRB models. During the quarter, Swedbank received an approval from the SFSA to implement a new IRB model for calculating the probability of default (PD) in Swedish mortgages during the fourth quarter of 2026. The add-on for IRB models in P2R for CET1 capital will be reduced by approximately 0.7 percentage points as a result of the implementation. The SFSA has decided on a methodology change which entails that the percentage P2R for IRB models will be replaced by a REA add-on in Pillar 1 as of 31 December 2026. The change has no effect on absolute capital requirements expressed in SEK, but will recompose the capital requirements by lowering the percentage capital requirements, while total REA will increase. After the mortgage model has been implemented, approximately 0.3 percentage points remain as a capital add-on in Pillar 2, which as a consequence of the methodology will be replaced by an increase in REA of approximately SEK 20bn. Swedbank also received approval from the European Central Bank (ECB) after the end of the quarter to implement new IRB models for Baltic corporate lending. The implementation will take place during the first quarter of 2027 and is expected to result in a temporary REA add-on of approximately SEK 20bn until Swedbank has addressed the observations made by the ECB during the approval process. CRR3 took effect on 1 January 2025 with a phase-in period up to and including 2032. The European Commission (EC) has decided to postpone the implementation of the requirements for market risk by two years, until 2027. Under CRR3, the output floor for banks that use internal models is not expected to affect Swedbank’s capital requirements as long as the SFSA applies risk-weight floors to internal lending models for Swedish mortgages and lending for commercial properties. The SFSA has received approval from the EC to extend the risk-weight floors until 2027. Other events During the third quarter, the responsibility for some customers and thereby business volume was transferred from Swedish Banking to Wealth Management. The purpose of the change was to contribute to clearer customer responsibility, more relevant offerings and stronger customer relationships. The change affected the results for the respective business areas, and the comparative figures have been restated. On 16 July 2026, Swedbank reached a settlement with the New York State Department of Financial Services (DFS) to pay USD 50m for two instances of inadequate disclosure of information to the authority, in 2016 and 2018 respectively. The settlement marked the closure of all investigations related to Swedbank’s historical shortcomings. On 18 September, Entercard entered into an agreement with Brocc Finance and Intrum to sell the part of its consumer loan portfolio consisting of non-performing loans. The contractual value of the non-performing loans amounted to approximately SEK 4bn. The sale is expected to be completed in the fourth quarter of 2026, subject to fulfilment of standard closing conditions and regulatory approvals. On 30 September, Swedbank announced changes in its Group Executive Committee. Henrik Liljeblad was appointed permanent Head of Group Business Support, Eva Wilhelmsson was appointed to the Group Executive Committee as acting Chief Compliance Officer while the ordinary Chief Compliance Officer Britta Hjorth-Larsen left her position. It was also announced that Bo Bengtsson will leave his role as Head of the Corporates and Institutions Business Area no later than 31 March 2027. Events after the end of the period The Swedbank Transition Finance Framework was published on 1 October. The framework defines activities that contribute to the climate transition, but that cannot yet be classified as green. The purpose is to create transparency about Swedbank’s view on transition financing and to support the financing of activities that are necessary for the transition in emission-intensive sectors. Swedbank was granted the right to use a new method for calculating deductible VAT for the years 2016–2023 in accordance with modified case law from the Supreme Administrative Court in Sweden. The new method has now also been tested for 2024 and Swedbank received a decision from the Swedish Tax Agency on 9 October to the effect that Swedbank can reduce booked VAT expenses in respect of 2024 by SEK 193m in the fourth quarter of 2026. On 6 October, Entercard entered into an agreement with Ikano Bank AB to sell the remaining part of its consumer loan portfolio. The contractual amount of the loans amounted to approximately SEK 7bn as of 30 September, and the loans are classified as assets held for sale in the balance sheet. The sale is expected to be completed during the first quarter of 2027, subject to the fulfilment of standard closing conditions and regulatory approvals. After the end of the quarter, Swedbank was granted approval to apply new IRB models by the SFSA and the ECB respectively. Assessed effects are described on pages 10 and 11.

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Swedbank – Interim report Third quarter│2026│12 Swedish Banking Income statement Q3 Q2 Q3 Jan-Sep Jan-Sep SEKm 2026 2026² % 2025² % 2026 2025² % Net interest income 3 320 3 269 2 3 422 -3 9 882 10 594 -7 Net commission income 1 957 1 933 1 1 893 3 5 676 5 315 7 Net gains and losses on financial items 34 81 -58 43 -22 172 149 16 Other income¹ 483 407 19 450 7 1 284 1 277 1 Total income 5 794 5 690 2 5 808 0 17 015 17 335 -2 Staff costs 561 557 1 534 5 1 679 1 607 4 Variable staff costs 34 23 48 23 49 79 65 21 Other expenses 1 521 1 548 -2 1 478 3 4 540 4 550 0 Depreciation/amortisation of tangible and intangible assets 20 20 0 16 25 61 49 25 Total expenses 2 136 2 149 -1 2 050 4 6 359 6 271 1 Profit before impairments, bank taxes and resolution fees 3 657 3 541 3 3 758 -3 10 656 11 064 -4 Credit impairments 57 7 -172 185 58 Bank taxes and resolution fees 216 260 -17 214 1 693 643 8 Profit before tax 3 384 3 275 3 3 716 -9 9 779 10 362 -6 Tax expense 602 605 0 662 -9 1 749 1 861 -6 Profit for the period 2 782 2 670 4 3 054 -9 8 030 8 501 -6 Return on allocated equity, % 21.1 20.5 23.3 20.5 21.7 Loan/deposit ratio, % 214 212 211 214 211 Credit impairment ratio, % 0.03 0.00 -0.08 0.03 0.01 Cost/income ratio 0.37 0.38 0.35 0.37 0.36 Loans to customers, SEKbn 839 835 1 819 2 839 819 2 Deposits from customers, SEKbn 392 394 -1 389 1 392 389 1 Full-time employees 2 596 2 633 -1 2 561 1 2 596 2 561 1 1) Other income includes the items Net insurance, Share of profit or loss of associates and joint ventures and Other income f rom the Group income statement. 2) Comparative figures have been restated due to Swedbank's reorganisation during the second quarter and due to customer tran sfers during the third quarter of 2026. For more information, see Note 4. Business development Swedbank had strong growth in the mortgage market, with high availability and prompt responses to customers. In July and August, Swedbank’s share of total market growth through its own channels was 20.1 per cent and 17.5 per cent respectively. During the quarter, Swedbank developed a joint customer offering with Fastighetsbyrån to increase mortgage sales. The offering resulted in a total of more than 1,500 customer meetings being booked during the quarter. During the quarter, Swedish Banking further simplified its mortgage process by enhanced opportunities to use digital signatures. This contributes to a simpler, more efficient process for customers. A new flow was also introduced in the internet bank and in the app that makes it easier for customers to sign up for the Nyckelkund (Key Customer) package and take advantage of the offering. An AI-based assistant was launched during the quarter to support advisors on matters relating to credit regulations, contributing to faster responses to customers and continued strong compliance. Swedish Banking’s profit increased, primarily due to higher net interest and higher insurance income. The mortgage volume in Swedish Banking increased, while corporate lending decreased. Deposit volume decreased, primarily due to private deposits being positively impacted by tax refunds during the preceding quarter. Net commission income increased, primarily due to higher income from asset management. Expenses decreased during the quarter. Credit impairments amounted to SEK 57m (7) and were mainly due to rating and stage migrations.

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Swedbank – Interim report Third quarter│2026│13 Baltic Banking Income statement Q3 Q2 Q3 Jan-Sep Jan-Sep SEKm 2026 2026 % 2025 % 2026 2025 % Net interest income 4 063 3 660 11 3 365 21 11 047 10 310 7 Net commission income 952 892 7 843 13 2 631 2 482 6 Net gains and losses on financial items 142 159 -10 134 6 418 386 8 Other income¹ 43 322 -87 276 -85 526 924 -43 Total income 5 200 5 034 3 4 618 13 14 622 14 102 4 Staff costs 646 602 7 591 9 1 805 1 694 7 Variable staff costs 41 41 -1 39 5 121 118 3 Other expenses 1 020 1 089 -6 942 8 3 136 2 965 6 Depreciation/amortisation of tangible and intangible assets 71 69 3 72 -1 207 166 25 Total expenses 1 778 1 802 -1 1 645 8 5 269 4 943 7 Profit before impairments, bank taxes and resolution fees 3 422 3 232 6 2 973 15 9 353 9 159 2 Credit impairments 117 104 12 -153 237 -146 Bank taxes and resolution fees 234 193 21 187 25 603 845 -29 Profit before tax 3 071 2 934 5 2 938 5 8 514 8 460 1 Tax expense 658 608 8 630 5 1 790 1 826 -2 Profit for the period 2 413 2 326 4 2 308 5 6 724 6 635 1 Return on allocated equity, % 19.2 19.5 23.2 18.5 22.7 Loan/deposit ratio, % 71 69 70 71 70 Credit impairment ratio, % 0.15 0.14 -0.21 0.10 -0.07 Cost/income ratio 0.34 0.36 0.36 0.36 0.35 Loans to customers, SEKbn 340 320 6 297 14 340 297 14 Deposits from customers, SEKbn 479 461 4 423 13 479 423 13 Full-time employees 4 947 4 869 2 4 867 2 4 947 4 867 2 1) Other income includes the items Net insurance, Share of profit or loss of associates and joint ventures and Other income f rom the Group income statement. Business development Activity in the housing market was high, due to stronger household confidence and by rising real wages. The mortgage portfolio continued to grow and demand for new mortgages remained high. Corporate lending increased, particularly in the energy sector and in agriculture. Swedbank enhanced its insurance offering. Home insurance was expanded, free of charge, to include cover against security-related events. An AI-based customer assistant was launched in the internet bank in the Baltic countries, contributing to a more personalised customer service. Swedbank’s strong brand position in the Baltic countries was confirmed by a number of awards in the Baltic Brand Forum. For the eighth consecutive year, Swedbank was named the “Most Loved Brand”. The bank was also named “Most Human Brand” and “Best Employer Brand”. Profit in local currency (EUR) increased by 1 per cent, due to higher income and lower expenses, partly offset by higher bank taxes and credit impairments. Net interest income rose by 9 per cent (EUR) due to higher volumes and higher market interest rates. Lending volumes increased by 4 per cent (EUR), mainly attributable to increased mortgage loans and corporate lending. Deposits rose by 1 per cent (EUR). Net commission income increased by 4 per cent (EUR) due to higher income from payments, asset management and lending. Other income decreased by 87 per cent (EUR) due to a higher level of weather-related claims and lower revaluation effects in insurance. Expenses decreased by 3 per cent (EUR), attributable to lower costs for premises and other costs, partly offset by higher staff costs. Credit impairments amounted to SEK 117m (104), mainly due to rating and stage migrations.

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Swedbank – Interim report Third quarter│2026│14 Corporates and Institutions Income statement Q3 Q2 Q3 Jan-Sep Jan-Sep SEKm 2026 2026² % 2025² % 2026 2025² % Net interest income 2 889 2 793 3 2 841 2 8 445 8 543 -1 Net commission income 982 930 6 860 14 2 829 2 732 4 Net gains and losses on financial items 505 568 -11 630 -20 1 622 1 631 -1 Other income¹ 46 50 -8 84 -46 140 148 -6 Total income 4 422 4 342 2 4 415 0 13 035 13 054 0 Staff costs 649 685 -5 570 14 2 009 1 754 15 Variable staff costs 61 43 41 47 30 144 126 15 Other expenses 1 037 1 001 4 1 018 2 3 024 3 015 0 Depreciation/amortisation of tangible and intangible assets 7 7 5 5 40 21 15 38 Total expenses 1 755 1 737 1 1 641 7 5 198 4 910 6 Profit before impairments, bank taxes and resolution fees 2 667 2 605 2 2 774 -4 7 837 8 144 -4 Credit impairments -460 76 -97 -414 -347 19 Bank taxes and resolution fees 238 285 -17 226 5 761 676 13 Profit before tax 2 889 2 244 29 2 645 9 7 489 7 815 -4 Tax expense 589 466 26 528 11 1 524 1 598 -5 Profit for the period 2 300 1 777 29 2 117 9 5 965 6 216 -4 Return on allocated equity, % 17.0 13.5 17.3 15.1 17.4 Loan/deposit ratio, % 195 187 172 195 172 Credit impairment ratio, % -0.26 0.04 -0.05 -0.08 -0.07 Cost/income ratio 0.40 0.40 0.37 0.40 0.38 Loans to customers, SEKbn 596 588 1 556 7 596 556 7 Deposits from customers, SEKbn 305 314 -3 322 -5 305 322 -5 Full-time employees 2 080 2 075 0 1 766 18 2 080 1 766 18 1) Other income includes the items Net insurance, Share of profit or loss of associates and joint ventures and Other income f rom the Group income statement. 2) Comparative figures have been restated due to Swedbank's reorganisation during the second quarter of 2026. For more information, see Note 4 Business development Customer activity was high during the quarter, with strong demand for Swedbank’s services and increased lending volumes in most sectors. Continued close collaboration with corporate customers and a more coordinated offering contributed to supporting customers’ plans for financing and growth. Activity in the bond market was favourable. With higher interest rates contributing to a more selective risk appetite among investors, Swedbank supported customers in navigating the market conditions and implementing their financing strategies. Foreign exchange trading remained at a good level during the quarter, with continued customer demand linked to international trade and global business flows. During the quarter, access to enhanced liquidity management solutions was expanded, while a number of improvements were made in the area of digital signatures. These changes contribute to smoother processes and a better customer experience. Profit increased due to higher income and lower credit impairment provisions. A positive volume trend and more interest days resulted in an increase in net interest income. Net commission income increased primarily due to a rise in asset management, which was offset by seasonally lower income from bond issuances. Net gains and losses on financial items were seasonally lower, but remained stable. Interest rate and currency trading accounted for the majority of earnings. Despite seasonally lower payroll costs, expenses increased, partly due to higher IT costs. Credit impairments were net positive and amounted to SEK -460m (76), mainly due to updated macroeconomic scenarios and to reduced provisions in respect of individual assessments for a small number of customers.

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Swedbank – Interim report Third quarter│2026│15 Wealth Management Income statement Q3 Q2 Q3 Jan-Sep Jan-Sep SEKm 2026 2026² % 2025² % 2026 2025² % Net interest income 752 780 -4 753 0 2 283 2 291 0 Net commission income 712 651 9 562 27 1 958 1 664 18 Net gains and losses on financial items 9 14 -34 13 -29 37 31 21 Other income¹ 63 61 5 74 -15 205 206 0 Total income 1 536 1 505 2 1 402 10 4 483 4 191 7 Staff costs 404 406 0 382 6 1 217 1 159 5 Variable staff costs 34 24 42 28 21 87 76 15 Other expenses³ 16 -38 -5 -9 -3 VAT reimbursements³ -10 Depreciation/amortisation of tangible and intangible assets 9 10 -4 10 -4 28 29 -1 Total expenses 464 402 15 414 12 1 324 1 250 6 Profit before impairments, bank taxes and resolution fees 1 073 1 103 -3 988 9 3 159 2 941 7 Credit impairments -8 -2 16 8 21 -63 Bank taxes and resolution fees 38 45 -17 35 7 121 105 15 Profit before tax 1 043 1 060 -2 936 11 3 031 2 815 8 Tax expense 210 222 -5 193 9 620 574 8 Profit for the period 833 838 -1 744 12 2 411 2 241 8 Return on allocated equity, % 34.8 36.3 34.5 34.5 35.3 Loan/deposit ratio, % 104 102 96 104 96 Credit impairment ratio, % -0.02 -0.01 0.04 0.01 0.02 Cost/income ratio 0.30 0.27 0.30 0.30 0.30 Loans to customers, SEKbn 167 165 1 152 10 167 152 10 Deposits from customers, SEKbn 160 162 -1 158 1 160 158 1 Full-time employees 1 377 1 354 2 1 311 5 1 377 1 311 5 1) Other income includes the items Net insurance, Share of profit or loss of associates and joint ventures and Other income f rom the Group income statement. 2) Comparative figures have been restated due to Swedbank's reorganisation during the second quarter and due to customer tran sfers during the third quarter of 2026. For more information, see Note 4. 3) There has been a reclassification from Other expenses to VAT reimbursments. Comparative figures have been restated for 2025. Business development Wealth Management performed strongly during the quarter, driven by good customer growth, a high level of savings engagement and positive market conditions. A focus on helping customers make financial decisions that are sustainable in the long term contributed to increased savings volumes and stronger customer value. More than 10 000 individual financial plans were drawn up during the period using a new tool. During the quarter, the tool was integrated into the advisory services process, which will support more structured and proactive customer dialogues. Swedbank Robur remained the largest actor in the fund market in Sweden and the Baltic countries. The Swedbank Robur Food and Water fund was launched, and the Technology A fund was chosen as part of the Swedish Fund Selection Agency’s procurement process. In total, 11 of Swedbank Robur’s funds now qualify for the Swedish premium pension fund marketplace. Swedbank Försäkring launched a number of digital services during the quarter to simplify processes for customers. Profit decreased marginally. The increase in expenses was partly offset by increased income. Net interest income decreased. Net commission income increased due to strong market growth, increased activity and a rise in other commission income. Expenses increased due to higher indirect expenses. Credit impairments were net positive and amounted to SEK -8m (-2).

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Swedbank – Interim report Third quarter│2026│16 Group Functions and Other Income statement Q3 Q2 Q3 Jan-Sep Jan-Sep SEKm 2026 2026³ % 2025³ % 2026 2025³ % Net interest income¹ 525 754 -30 417 26 2 275 1 419 60 Net commission income 94 53 78 -35 231 -110 Net gains and losses on financial items¹ -91 239 27 101 48 Other income¹˒² 1 292 1 290 0 1 116 16 3 790 3 345 13 Total income 1 820 2 337 -22 1 525 19 6 397 4 702 36 Staff costs 1 603 2 304 -30 1 502 7 5 570 4 550 22 Variable staff costs 69 98 -30 60 15 230 233 -1 Other expenses¹˒⁴ -107 -320 -66 -910 -88 -899 -2 728 -67 VAT reimbursements⁴ 0 -197 -566 Depreciation/amortisation of tangible and intangible assets 505 487 4 488 3 1 490 1 389 7 Total expenses¹ 2 070 2 569 -19 943 6 391 2 879 Profit before impairments, bank taxes and resolution fees -250 -232 8 582 6 1 823 -100 Credit impairments -408 128 8 -240 25 Bank taxes and resolution fees 4 3 0 11 -0 Profit before tax 154 -362 574 -73 235 1 798 -87 Tax expense 232 55 285 -19 576 798 -28 Profit for the period -78 -417 -81 289 -341 1 000 Full-time employees 6 234 6 362 -2 6 194 1 6 234 6 194 1 1) Net interest income and net gains and losses on financial items mainly stem from Group Treasury. Other income mainly refer s to income from the savings banks. Expenses mainly relate to Group Business Support and Group Staffs and are allocated to a large extent. 2) Other income includes the items Net insurance, Share of profit or loss of associates and joint ventures and Other income f rom the Group income statement. 3) Comparative figures have been restated due to Swedbank's reorganisation during the second quarter of 2026. For more information, see Note 4 4) There has been a reclassification from Other expenses to VAT reimbursments. Comparative figures have been restated for 2025. Result Profit for Group Functions and Other increased to SEK -78m (-417), mainly due to a reduction in credit impairments. The increase was partly offset by lower net interest income and by lower net gains and losses on financial items. Net interest income fell to SEK 525m (754), mainly due to lower net interest income in Group Treasury. Borrowing costs increased as a result of higher market interest rates, but lower central bank volumes also contributed. Net commission income rose to SEK 94m (53). Net gains and losses on financial items decreased to SEK -91m (239). The change between quarters was attributable to factors including negative revaluation effects of derivatives in Group Treasury. Expenses decreased during the quarter to SEK 2 070m (2 569), due to decreased extraordinary expenses relating to Swedbank’s reorganisation, which were lower in the third quarter than in the second quarter. The decrease was partly offset by the settlement with DFS in the third quarter. Credit impairments were net positive and amounted to SEK -408m (128), of which SEK -421m (116) was attributable to Entercard, where an agreement to sell non-performing loans resulted in a revaluation in the order of SEK -543m.

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Swedbank – Interim report Third quarter│2026│17 Financial statements - Group Income statement, condensed Group Q3 Q2 Q3 Jan-Sep Jan-Sep SEKm 2026 2026 2025 2026 2025 Interest income 21 317 20 720 20 487 61 727 64 197 Interest expense -9 749 -9 444 -9 668 -27 736 -30 972 Net interest income (note 5) 11 568 11 276 10 819 33 991 33 225 Net commission income (note 6) 4 704 4 462 4 117 13 338 12 071 Net gains and losses on financial items (note 7) 601 1 060 847 2 350 2 245 Net insurance income (note 8) 269 494 421 1 060 1 414 Share of profit or loss of associates and joint ventures 171 142 212 426 535 Other income 674 670 689 1 998 1 906 Total income 17 986 18 104 17 105 53 164 51 396 Staff costs 4 098 4 781 3 773 12 932 11 370 Other general administrative expenses (note 9)¹ 2 705 2 481 1 863 7 414 5 822 VAT reimbursements¹ 0 0 -197 0 -576 Depreciation/amortisation of tangible and intangible assets 614 593 592 1 807 1 648 Total expenses 7 417 7 854 6 030 22 153 18 264 Profit before impairments, bank taxes and resolution fees 10 569 10 250 11 075 31 011 33 131 Impairment of tangible and intangible assets 0 0 0 0 0 Credit impairments (note 10) -701 313 -398 -224 -389 Bank taxes and resolution fees (note 11) 730 786 663 2 188 2 269 Profit before tax 10 541 9 151 10 809 29 048 31 251 Tax expense 2 292 1 956 2 298 6 258 6 657 Profit for the period 8 249 7 195 8 512 22 789 24 593 Earnings per share, SEK 7.34 6.40 7.57 20.28 21.88 Earnings per share after dilution, SEK 7.30 6.37 7.53 20.16 21.77 1) There has been a reclassification from row Other general administrative expenses to row VAT reimbursments. Comparative figures have been restated for 2025.

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Swedbank – Interim report Third quarter│2026│18 Statement of comprehensive income, condensed Group Q3 Q2 Q3 Jan-Sep Jan-Sep SEKm 2026 2026 2025 2026 2025 Profit for the period reported via income statement 8 249 7 195 8 512 22 789 24 593 Items that will not be reclassified to the income statement Remeasurements of defined benefit pension plans -67 323 620 -148 -102 Share related to associates and joint ventures -24 15 6 -5 7 Total -90 338 626 -153 -96 Items that may be reclassified to the income statement Exchange rate differences, foreign operations 1 703 669 -602 3 280 -3 236 Hedging of net investments in foreign operations -1 133 -429 388 -2 168 2 187 Cash flow hedges 1 -1 -3 1 -6 Foreign currency basis risk 2 2 8 4 18 Share of other comprehensive income of associates and joint ventures 34 1 1 67 -18 Total 607 242 -209 1 184 -1 055 Other comprehensive income for the period, net of tax 517 580 418 1 031 -1 150 Total comprehensive income for the period 8 766 7 775 8 929 23 820 23 443 Total comprehensive income attributable to: Shareholders of Swedbank AB 8 763 7 775 8 929 23 817 23 450 Non-controlling interests 3 0 0 3 -6 For the period January – September 2026 a loss after tax of SEK -148m (-102) was recognised in other comprehensive income, relating to remeasurements of defined benefit pension plans. Per 30 September 2026 the discount rate used to calculate the closing pension obligation was 4.41 per cent, compared with 4.05 per cent per 31 December 2025. The Swedish inflation assumption was 1.92 per cent compared with 1.60 per cent per 31 December 2025. The fair value of plan assets related to Swedish funded pension plans decreased during 2026 by SEK 124m. In total, on 30 September 2026 the fair value of plan assets exceeded the obligation for funded defined benefit pension plans by SEK 4 661m, therefore the funded plans are presented as an asset. For January – September 2026 an exchange rate difference of SEK 3 280m (-3 236) was recognised for the Group's foreign net investments in subsidiaries. The gain related to subsidiaries mainly arose because the Swedish krona weakened against the euro during the period. In addition, an exchange rate difference of SEK 67m (-18) for the Group's foreign net investments in associates and joint ventures is included in Share of other comprehensive income of associates and joint ventures. The total gain of SEK 3 347m is not taxable. Most of the Group's foreign net investments are hedged against currency risk resulting in a loss after tax of SEK -2 168m (2 187) for the hedging instruments.

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Swedbank – Interim report Third quarter│2026│19 Balance sheet, condensed Group 30 Sep 31 Dec 30 Sep SEKm 2026 2025 2025 Assets Cash and balances with central banks 282 061 263 628 320 849 Treasury bills and other bills eligible for refinancing with central banks, etc. 202 518 161 053 190 571 Loans to credit institutions 26 026 32 015 31 425 Loans to the public 2 085 661 1 989 024 1 954 184 Value change of the hedged assets in portfolio hedges of interest rate risk -2 087 -597 -397 Bonds and other interest-bearing securities 79 116 60 444 77 389 Financial assets for which customers bear the investment risk 518 137 430 867 414 514 Shares and participating interests 72 307 46 056 49 040 Derivatives (note 19) 38 329 17 283 17 598 Intangible assets (note 15) 23 533 22 661 20 969 Other assets 51 420 40 349 48 918 Assets held for sale (note 24) 7 197 0 0 Total assets 3 384 219 3 062 782 3 125 060 Liabilities and equity Amounts owed to credit institutions (note 16) 81 549 54 544 87 197 Deposits and borrowings from the public (note 17) 1 367 832 1 303 172 1 313 574 Value change of the hedged liabilities in portfolio hedges of interest rate risk -616 238 422 Financial liabilities for which customers bear the investment risk 519 543 431 894 415 782 Debt securities in issue (note 18) 868 448 733 765 794 389 Short positions, securities 22 782 36 038 25 022 Derivatives (note 19) 30 124 29 531 25 103 Insurance provisions 28 574 27 211 27 119 Other liabilities 74 812 46 327 50 889 Senior non-preferred liabilities (note 18) 127 776 135 814 128 820 Subordinated liabilities (note 18) 47 400 38 422 38 979 Total liabilities 3 168 224 2 836 957 2 907 296 Equity 215 995 225 826 217 764 Total liabilities and equity 3 384 219 3 062 782 3 125 060

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Swedbank – Interim report Third quarter│2026│20 Statement of changes in equity, condensed

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Swedbank – Interim report Third quarter│2026│21 Cash flow statement, condensed Group Jan-Sep Full year Jan-Sep SEKm 2026 2025 2025 Operating activities Profit before tax 29 048 41 255 31 251 Adjustments for non-cash items in operating activities 839 -1 130 -849 Income taxes paid -6 285 -9 209 -6 744 Cash flow before changes in operating assets and liabilities 23 602 30 916 23 658 Increase (-) / decrease (+) in assets -189 825 -99 459 -115 874 Increase (+) / decrease (-) in liabilities 222 876 22 201 104 399 Cash flow from operating activities 56 653 -46 342 12 183 Investing activities Business combinations (note 25) 0 -3 105 0 Acquisitions of and contributions to associates and joint ventures -145 -517 -517 Disposal of shares in associates 0 151 151 Dividend from associates and joint ventures 195 153 153 Acquisitions of other fixed assets and strategic financial assets -371 -490 -361 Disposals of/maturity of other fixed assets and strategic financial assets 133 137 95 Cash flow from investing activities -188 -3 671 -479 Financing activities Amortisation of lease liabilities -678 -964 -739 Issuance of senior non-preferred liablities 12 848 32 736 23 559 Redemption of senior non-preferred liablities -29 135 -12 456 -11 742 Issuance of subordinated liabilities 7 635 5 583 5 583 Redemption of subordinated liabilities -1 884 -1 934 -1 728 Dividends paid -33 487 -24 392 -24 392 Cash flow from financing activities -44 701 -1 427 -9 459 Cash flow for the period 11 764 -51 440 2 245 Cash and cash equivalents at the beginning of the period 263 628 325 604 325 604 Cash flow for the period 11 764 -51 440 2 245 Exchange rate differences on cash and cash equivalents 6 669 -10 536 -7 000 Cash and cash equivalents at end of the period 282 061 263 628 320 849 2026 During the second quarter, a contribution was made to the joint venture Finansinfrastruktur i Sverige AB of SEK 135m. Swedbank also acquired shares in Råsta Lake Systems AB for SEK 10m. The ownership amounts to 35 per cent. Råsta Lake Systems AB develops software for the valuation and analysis of commercial real estate. 2025 During the fourth quarter Swedbank acquired all shares in Stabelo AB for SEK 349m and all remaining shares in Entercard AB for SEK 2 756m. During the third quarter Swedbank acquired shares in SB1 Markets AS for SEK 334m. The ownership amounts to 20 per cent. Swedbank also acquired additional shares in Sparbanken Sjuhärad AB for SEK 17m. Thereafter, the ownership amounts to 47.9 per cent. During the first quarter, contributions were made to the joint ventures Finansinfrastruktur i Sverige AB and Svenska e-fakturabolaget AB of SEK 135m and 4m respectively. Swedbank also acquired additional shares in Finansinfrastruktur i Sverige AB for SEK 27m. Thereafter, the ownership amounts to 22.50 per cent. During the first quarter, Swedbank’s shares in the associated company BGC Holding AB were sold. Swedbank received a cash payment of SEK 151m.

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Swedbank – Interim report Third quarter│2026│22 Note 1 Accounting policies The interim report has been prepared in accordance with IAS 34 Interim Financial Reporting. The condensed consolidated financial statements have also been prepared in accordance with the recommendations and statements of the Swedish Corporate Reporting Board, the Annual Accounts Act for Credit Institutions and Securities Companies and the directives of the Swedish Financial Supervisory Authority (SFSA). The Parent Company report has been prepared in accordance with the Annual Accounts Act for Credit Institutions and Securities Companies, the directives of the SFSA and recommendation RFR 2 of the Swedish Corporate Reporting Board. The financial statements are presented in Swedish kronor and all figures are rounded to millions of kronor (SEKm) unless otherwise indicated. No adjustments for rounding are made, therefore summation differences may occur. The accounting policies applied in the interim report conform to those applied in the Annual Report 2025, which was prepared in accordance with International Financial Reporting Standards (IFRS accounting standards) as adopted by the European Union and interpretations thereof. Compared to the Annual Report 2025, the accounting policies below are also applied. Amendments to the Classification and Measurement of Financial Instruments (IFRS 9 and IFRS 7) On 1 January 2026, the Group adopted the IASB’s Amendments to the Classification and Measurement of Financial Instruments (IFRS 9 and IFRS 7), which mainly impacts how the Group assesses the contractual cash flows of a financial asset that includes contingent features and establishes new related disclosure requirements. The amendments are applied prospectively, and the adoption does not have any impact on the Group’s financial position, results, cash flows or capital adequacy. Additional disclosures will be presented in the Annual Report 2026. Assets held for sale Assets are classified as held for sale and are presented in a separate line in the balance sheet if the carrying amount will be recovered primarily through a sale. The date of such classification is when the following criteria are met: a formal decision at the appropriate level has been taken, the assets are available for immediate sale in their current condition, and it is highly probable that a sale will take place within one year. Financial instruments continue to be measured under IFRS 9 while non-financial assets are held at the lower of carrying amount and fair value. Other changes in accounting regulations Other amended regulations that are applicable from 1 January 2026 did not have a significant impact on the Group’s financial position, results, cash flows, disclosures or capital adequacy. Note 2 Critical accounting estimates Presentation of consolidated financial statements in conformity with IFRS requires the executive management to make judgments and estimates that affect the recognised amounts of assets, liabilities and disclosures of contingent assets and liabilities as of the reporting date as well as the recognised income and expenses during the reporting period. The executive management continuously evaluates these judgments and estimates, including assessing control over investment funds, the fair value of financial instruments, provisions for credit impairment, impairment testing of goodwill, provisions and contingent liabilities, defined benefit pension provisions, insurance contracts and deferred taxes. Post-model expert credit adjustments to the credit impairment provisions continue to be necessary, given the geopolitical and economic uncertainties. Further information is provided in Note 10. Beyond this, there have been no significant changes to the basis upon which the critical accounting judgments and estimates have been determined compared with 31 December 2025. Note 3 Changes in the Group structure No significant changes to the legal Group structure occurred during the third quarter of 2026.

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Swedbank – Interim report Third quarter│2026│23 Note 4 Operating segments (business areas) Group January-September 2026 Swedish Baltic Corporates and Wealth Functions SEKm Banking Banking Institutions Management and Other Eliminations Group Income statement Net interest income 9 882 11 047 8 445 2 283 2 275 59 33 991 Net commission income 5 676 2 631 2 829 1 958 231 14 13 338 Net gains and losses on financial items 172 418 1 622 37 101 0 2 350 Other income¹ 1 284 526 140 205 3 790 -2 461 3 484 Total income 17 015 14 622 13 035 4 483 6 397 -2 389 53 164 Staff costs 1 679 1 805 2 009 1 217 5 570 -10 12 270 Variable staff costs 79 121 144 87 230 -0 662 Other expenses 4 540 3 136 3 024 -9 -899 -2 378 7 414 Depreciation/amortisation of tangible and intangible assets 61 207 21 28 1 490 -0 1 807 Total expenses 6 359 5 269 5 198 1 324 6 391 -2 389 22 153 Profit before impairments, bank taxes and resolution fees 10 656 9 353 7 837 3 159 6 0 31 011 Impairment of tangible and intangible assets 0 0 Credit impairments 185 237 -414 8 -240 0 -224 Bank taxes and resolution fees 693 603 761 121 11 2 188 Profit before tax 9 779 8 514 7 489 3 031 235 -0 29 048 Tax expense 1 749 1 790 1 524 620 576 6 258 Profit for the period 8 030 6 724 5 965 2 411 -341 0 22 789 Profit for the period attributable to: Shareholders of Swedbank AB 8 027 6 724 5 965 2 411 -341 0 22 786 Non-controlling interests 3 3 Net commission income Commission income Payment processing 285 355 779 8 345 -18 1 754 Cards 1 324 1 786 17 49 616 -304 3 489 Asset management and custody 4 833 527 2 193 2 093 0 -315 9 330 Lending 71 190 535 5 103 -1 902 Other commission income² 1 124 672 1 301 598 249 57 4 001 Total 7 637 3 531 4 824 2 753 1 313 -582 19 476 Commission expense 1 961 900 1 995 795 1 082 -595 6 138 Net commission income 5 676 2 631 2 829 1 958 231 14 13 338 Balance sheet, SEKbn Cash and balances with central banks 1 4 3 275 -0 282 Treasury bills and other bills eligible for refinancing with central banks, etc. 2 55 145 0 203 Loans to credit institutions 6 1 39 6 262 -289 26 Loans to the public 839 341 707 167 49 -18 2 086 Value change of the hedged assets in portfolio hedges of interest rate risk -2 -2 Bonds and other interest-bearing securities 1 66 21 -9 79 Financial assets for which customers bear the investment risk 402 2 46 67 518 Shares and participating interests 18 8 40 3 3 -0 72 Derivatives 1 90 0 80 -132 38 Intangible assets 2 12 0 0 9 0 24 Other assets 8 173 20 3 439 -591 51 Assets held for sale 7 7 Total assets 1 277 545 1 067 247 1 289 -1 039 3 384 Amounts owed to credit institutions 21 0 322 40 -302 82 Deposits and borrowings from the public 392 480 328 160 23 -16 1 368 Value change of the hedged liabilities in portfolio hedges of interest rate risk -0 -0 -1 Financial liabilities for which customers bear the investment risk 403 2 47 67 520 Debt securities in issue 1 -0 0 876 -9 868 Short positions, securities 23 23 Derivatives 1 96 0 66 -132 30 Insurance provisions 16 9 2 3 29 Other liabilities 392 196 7 61 -580 75 Senior non-preferred liabilities -0 128 128 Subordinated liabilities -0 47 -0 47 Total liabilities 1 224 494 1 012 237 1 241 -1 039 3 168 Allocated equity 53 51 55 9 47 216 Total liabilities and equity 1 277 545 1 067 247 1 289 -1 039 3 384 Key figures Return on allocated equity, % 20.5 18.5 15.1 34.5 -0.9 0.00 14.2 Cost/income ratio 0.37 0.36 0.40 0.30 1.00 0.00 0.42 Credit impairment ratio, % 0.03 0.10 -0.08 0.01 -0.67 0.00 -0.01 Loan/deposit ratio, % 214 71 195 104 105 0 145 Lending to the public, stage 3, SEKbn (gross) 3 1 2 0 0 0 6 Loans to customers, total, SEKbn 839 340 596 167 23 0 1 965 Provisions for loans to customers, total, SEKbn 1 1 3 0 0 0 5 Deposits from customers, SEKbn 392 479 305 160 22 0 1 359 Risk exposure amount, SEKbn 296 251 342 51 60 0 999 Full-time employees 2 596 4 947 2 080 1 377 6 234 0 17 235 Allocated equity, average, SEKbn 52 49 53 9 50 0 213 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. 2) Other commission income includes Service concepts, Insurance, Securities and corporate finance and Other, see Note 6.

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Swedbank – Interim report Third quarter│2026│24 Group January-September 2025 Swedish Baltic Corporates and Wealth Functions SEKm Banking Banking Institutions Management and Other Eliminations Group Income statement Net interest income 10 594 10 310 8 543 2 291 1 419 68 33 225 Net commission income 5 315 2 482 2 732 1 664 -110 -11 12 071 Net gains and losses on financial items 149 386 1 631 31 48 0 2 245 Other income¹ 1 277 924 148 206 3 345 -2 045 3 855 Total income 17 335 14 102 13 054 4 191 4 702 -1 988 51 396 Staff costs 1 607 1 694 1 754 1 159 4 550 -12 10 753 Variable staff costs 65 118 126 76 233 -0 618 Other expenses 4 550 2 965 3 015 -3 -2 728 -1 976 5 822 VAT reimbursements -10 -566 -576 Depreciation/amortisation of tangible and intangible assets 49 166 15 29 1 389 -0 1 648 Total expenses 6 271 4 943 4 910 1 250 2 879 -1 988 18 264 Profit before impairments, bank taxes and resolution fees 11 064 9 159 8 144 2 941 1 823 0 33 131 Impairment of tangible and intangible assets 0 0 0 Credit impairments 58 -146 -347 21 25 -389 Bank taxes and resolution fees 643 845 676 105 -0 2 269 Profit before tax 10 362 8 460 7 815 2 815 1 798 0 31 251 Tax expense 1 861 1 826 1 598 574 798 -0 6 657 Profit for the period 8 501 6 635 6 216 2 241 1 000 0 24 593 Profit for the period attributable to: Shareholders of Swedbank AB 8 508 6 635 6 216 2 241 1 000 0 24 600 Non-controlling interests -6 -6 Net commission income Commission income Payment processing 300 368 755 7 346 -21 1 755 Cards 1 527 1 654 1 568 58 0 -398 4 410 Asset management and custody 4 380 562 1 825 1 756 -3 -269 8 252 Lending 55 168 577 4 113 -6 911 Other commission income² 1 114 611 1 161 459 196 7 3 548 Total 7 375 3 363 5 886 2 285 653 -686 18 876 Commission expense 2 060 881 3 154 621 763 -675 6 805 Net commission income 5 315 2 482 2 732 1 664 -110 -11 12 071 Balance sheet, SEKbn Cash and balances with central banks 1 4 1 315 -0 321 Treasury bills and other bills eligible for refinancing with central banks, etc. 1 41 148 0 191 Loans to credit institutions 6 1 95 5 203 -279 31 Loans to the public 819 298 681 152 4 -1 1 954 Value change of the hedged assets in portfolio hedges of interest rate risk -0 -0 Bonds and other interest-bearing securities 1 53 24 -1 77 Financial assets for which customers bear the investment risk 322 2 37 54 415 Shares and participating interests 16 7 21 3 2 -0 49 Derivatives 0 65 0 50 -98 18 Intangible assets 2 11 -0 0 7 21 Other assets 10 150 15 2 434 -564 49 Total assets 1 176 476 1 009 217 1 189 -943 3 125 Amounts owed to credit institutions 3 1 304 55 -276 87 Deposits and borrowings from the public 389 424 342 158 15 -14 1 314 Value change of the hedged liabilities in portfolio hedges of interest rate risk 0 0 0 Financial liabilities for which customers bear the investment risk 323 2 37 54 416 Debt securities in issue -0 1 -0 0 795 -1 794 Short positions, securities 25 25 Derivatives 0 70 0 53 -98 25 Insurance provisions 15 8 2 3 27 Other liabilities 395 181 -6 35 -553 51 Senior non-preferred liabilities -0 129 129 Subordinated liabilities -0 39 39 Total liabilities 1 124 436 960 208 1 122 -943 2 907 Allocated equity 52 40 49 9 67 218 Total liabilities and equity 1 176 476 1 009 217 1 189 -943 3 125 Key figures Return on allocated equity, % 21.7 22.7 17.4 35.3 2.0 0.0 15.4 Cost/income ratio 0.36 0.35 0.38 0.30 0.61 0.00 0.36 Credit impairment ratio, % 0.01 -0.07 -0.07 0.02 0.19 0.00 -0.03 Loan/deposit ratio, % 211 70 172 96 29 0 140 Lending to the public, stage 3, SEKbn (gross) 3 1 5 0 0 10 Loans to customers, total, SEKbn 819 297 556 152 4 1 829 Provisions for loans to customers, total, SEKbn 1 1 3 0 0 5 Deposits from customers, SEKbn 389 423 322 158 14 0 1307 Risk exposure amount, SEKbn 301 202 327 45 26 0 901 Full-time employees 2 561 4 867 1 766 1 311 6 194 0 16 698 Allocated equity, average, SEKbn 52 39 48 8 65 0 213 Comparative figures have been restated due to the reorganisation and customer transfers. 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. 2) Other commission income includes Service concepts, Insurance, Securities and corporate finance and Other, see Note 6.

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Swedbank – Interim report Third quarter│2026│25 Operating segments accounting policies The operating segment report is based on Swedbank’s accounting policies, organisation and management accounts. Market-based transfer prices are applied between operating segments, while all expenses for Group functions and Group staffs are transfer priced at cost to the operating segments. Cross-border transfer pricing is applied according to OECD transfer pricing guidelines. The Group’s equity attributable to shareholders is allocated to each operating segment based on capital adequacy rules and estimated capital requirements based on the bank’s Internal Capital Adequacy Assessment Process (ICAAP). The return on allocated equity for the operating segments is calculated based on profit for the period attributable to the shareholders for the operating segment, in relation to average monthly allocated equity for the operating segment. For periods shorter than one year the key ratio is annualised. From the second quarter 2026, PayEx is evaluated and managed separately and constitutes an own operating segment. The new operating segment does not meet the criteria for separate reporting and is therefore included in Group Functions and Other. Up to and including the first quarter 2026, PayEx was reported within the business areas Swedish Banking and Corporates & Institutions. Comparative figures have been restated. During the quarter, the name of the operating segment Premium and Private Banking was changed to Wealth Management. During the third quarter of 2026, customers were reallocated from Swedish Banking to Wealth Management. Comparative figures have been restated accordingly.

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Swedbank – Interim report Third quarter│2026│26 Changes between previous reporting and new restated reporting Group January-September 2025 Swedish Baltic Corporates and Wealth Functions SEKm Banking Banking Institutions Management and Other Eliminations Group Income statement Net interest income -1 241 -1 -85 1 141 185 -0 Net commission income -235 -211 236 211 -1 Net gains and losses on financial items 1 13 3 -17 Other income 70 -42 172 -221 20 Total income -1 406 -325 1 553 159 19 Staff costs 293 65 11 676 -1 043 -2 Variable staff costs 11 4 57 -72 Other expenses -373 -79 -265 -635 1 906 22 576 VAT reimbursements -10 -566 -576 Depreciation/amortisation of tangible and intangible assets 43 11 29 -83 Total expenses -25 -254 116 143 19 Profit before impairments, bank taxes and resolution fees -1 380 -1 -71 1 437 16 Impairment of intangible assets Credit impairments -14 -19 33 Bank taxes and resolution fees Profit before tax -1 366 -1 -52 1 437 -18 Tax expense -299 1 -17 291 23 Profit for the period -1 068 -2 -35 1 146 -41 Net commission income Commission income Payment processing 3 2 -5 Cards 398 -398 Asset management and custody -247 -22 269 Lending -8 -105 113 Other commission income -11 -165 31 124 21 Total -263 -292 299 637 -382 Commission expense -28 -81 63 426 -381 Net commission income -235 -211 236 211 -1 Balance sheet, SEKbn Cash and balances with central banks 1 -1 0 Treasury bills and other bills eligible for refinancing with central banks, etc. Loans to credit institutions -0 -1 5 -4 Loans to the public -14 -3 14 4 Value change of the hedged assets in portfolio hedges of interest rate risk Bonds and other interest-bearing securities Financial assets for which customers bear the investment risk Shares and participating interests Derivatives 0 -0 Intangible assets Other assets 0 8 -0 3 -2 -9 Total assets -13 8 -5 22 -3 -9 Amounts owed to credit institutions -0 -2 2 Deposits and borrowings from the public -78 -0 78 0 Value change of the hedged liabilities in portfolio hedges of interest rate risk Financial liabilities for which customers bear the investment risk Debt securities in issue Short positions, securities Derivatives 0 0 Insurance provisions Other liabilities 67 8 -2 -58 -6 -9 Senior non-preferred liabilities Subordinated liabilities Total liabilities -11 8 -4 20 -4 -9 Allocated equity -1 -1 2 1 Total liabilities and equity -13 8 -5 22 -3 -9 Key figures Return on allocated equity, % -2.1 -0.0 0.3 13.5 -0.1 Cost/income ratio 0.03 0.00 -0.01 -0.13 0.01 Credit impairment ratio, % -0.05 -0.08 0.01 0.01 0.22 Loan/deposit ratio, % 32 -1 -77 25 Lending to the public, stage 3, SEKbn (gross) 0 0 0 0 Loans to customers, total, SEKbn -14 -3 14 4 Provisions for loans to customers, total, SEKbn 0 0 0 Deposits from customers, SEKbn (78) (0) 78 0 Risk exposure amount, SEKbn 2 -2 Full-time employees 454 141 5 725 -1 326 Allocated equity, average, SEKbn (1) (1) 2 1

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Swedbank – Interim report Third quarter│2026│27 Note 5 Net interest income Q3 Q2 Q3 Jan-Sep Jan-Sep SEKm 2026 2026 2025 2026 2025 Interest income Cash and balances with central banks 2 041 2 048 2 600 5 996 8 451 Treasury bills and other bills eligible for refinancing with central banks, etc. 938 977 863 2 787 3 092 Loans to credit institutions 417 364 423 1 143 1 470 Loans to the public 18 513 17 932 17 577 53 896 54 570 Bonds and other interest-bearing securities 394 334 428 1 007 1 380 Derivatives¹ 1 620 1 072 501 3 238 2 029 Other assets 4 -3 26 14 39 Assets held for sale 250 273 0 523 0 Total 24 177 22 996 22 417 68 604 71 032 Transfer of trading-related interests reported in Net gains and losses 2 860 2 276 1 930 6 877 6 835 Total interest income 21 317 20 720 20 487 61 727 64 197 Interest expense Amounts owed to credit institutions -669 -618 -927 -1 783 -2 795 Deposits and borrowings from the public -3 104 -3 050 -3 463 -9 038 -12 793 of which deposit guarantee fees -184 -155 -151 -495 -505 Debt securities in issue -6 932 -6 727 -6 537 -19 992 -19 300 Senior non-preferred liabilities -1 330 -1 335 -1 144 -3 862 -3 386 Subordinated liabilities -547 -525 -514 -1 589 -1 529 Derivatives¹ 919 1 005 1 443 3 423 3 417 Other liabilities -29 -29 -38 -84 -75 Total -11 691 -11 279 -11 180 -32 926 -36 461 Transfer of trading-related interests reported in Net gains and losses -1 942 -1 834 -1 512 -5 190 -5 489 Total interest expense -9 749 -9 444 -9 668 -27 736 -30 972 Net interest income 11 568 11 276 10 819 33 991 33 225 Net interest margin 1.52 1.51 1.51 1.52 1.55 Average total assets excluding trading related assets 3 034 993 2 986 544 2 860 892 2 984 661 2 851 745 Interest income on financial assets at amortised cost 20 800 20 061 20 167 60 538 63 451 Interest expense on financial liabilities at amortised cost 12 040 12 375 12 375 35 608 38 857 1) The derivatives lines include net interest income from derivatives hedging assets and liabilities in the balance sheet. Th ese may have both positive and negative impact on interest income and interest expense.

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Swedbank – Interim report Third quarter│2026│28 Note 6 Net commission income Q3 Q2 Q3 Jan-Sep Jan-Sep SEKm 2026 2026 2025 2026 2025 Commission income Payment processing 593 593 575 1 754 1 755 Cards 1 463 1 397 1 238 4 075 4 619 Service concepts 540 511 474 1 534 1 425 Asset management and custody 3 353 3 117 2 827 9 330 8 252 of which insurance operation 469 372 361 1 202 1 031 Insurance 188 182 184 598 550 Securities and corporate finance 205 225 172 642 627 Lending 311 292 312 902 911 Other 212 213 255 641 738 Total commission income 6 865 6 530 6 038 19 476 18 876 Commission expense Payment processing -463 -463 -416 -1 368 -1 264 Cards -372 -321 -282 -996 -2 008 Service concepts -48 -54 -41 -156 -137 Asset management and custody -1 036 -979 -876 -2 903 -2 556 of which insurance operation -102 -63 -59 -224 -191 Insurance -44 -43 -36 -127 -106 Securities and corporate finance -97 -103 -105 -287 -294 Lending -43 -44 -41 -131 -123 Other -58 -61 -123 -170 -318 Total commission expense -2 161 -2 068 -1 921 -6 138 -6 805 Net commission income Payment processing 130 129 159 386 491 Cards 1 091 1 076 956 3 079 2 611 Service concepts 492 457 433 1 377 1 288 Asset management and custody 2 317 2 139 1 950 6 427 5 696 of which insurance operation 367 309 302 978 840 Insurance 144 139 148 471 443 Securities and corporate finance 108 122 67 356 333 Lending 268 248 271 771 788 Other 154 152 132 471 420 Total net commission income 4 704 4 462 4 117 13 338 12 071

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Swedbank – Interim report Third quarter│2026│29 Note 7 Net gains and losses on financial items Q3 Q2 Q3 Jan-Sep Jan-Sep SEKm 2026 2026 2025 2026 2025 Fair value through profit or loss Shares and share related derivatives 631 156 114 998 741 of which dividend 13 124 13 288 238 Interest-bearing securities and interest related derivatives -929 -51 -58 -1 170 -579 Financial liabilities 3 -1 1 6 -3 Financial assets and liabilities where the customers bear the investment risk, net -4 3 0 4 5 Other financial instruments 0 0 -1 -2 1 Total fair value through profit or loss -299 106 57 -164 165 Hedge accounting Ineffectiveness, one-to-one fair value hedges -280 19 13 -250 -73 of which hedging instruments -11 624 4 451 -2 116 -12 658 3 821 of which hedged items 11 344 -4 431 2 130 12 408 -3 894 Ineffectiveness, portfolio fair value hedges -137 104 33 -67 57 of which hedging instruments 1 106 -1 270 91 581 -2 384 of which hedged items -1 243 1 374 -58 -649 2 442 Ineffectiveness, cash flow hedges 2 0 0 2 -5 Total hedge accounting -415 123 46 -315 -20 Amortised cost Derecognition gain or loss for financial assets 19 21 27 57 75 Derecognition gain or loss for financial liabilities 27 42 2 65 62 Total amortised cost 47 63 29 122 137 Trading related interest Interest income 2 860 2 276 1 930 6 877 6 835 Interest expense -1 942 -1 834 -1 512 -5 190 -5 489 Total trading related interest 918 441 417 1 687 1 346 Change in exchange rates 351 327 298 1 020 616 Total 601 1 060 847 2 350 2 245

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Swedbank – Interim report Third quarter│2026│30 Note 8 Net insurance income Q3 Q2 Q3 Jan-Sep Jan-Sep SEKm 2026 2026 2025 2026 2025 Insurance service revenue 1 406 1 356 1 310 4 135 3 914 Insurance service expenses -1 038 -866 -863 -2 972 -2 412 Insurance service result 368 490 447 1 164 1 503 Result from reinsurance contracts held 28 -22 -20 7 -57 Insurance finance income and expense -195 -2 047 -529 -1 745 -148 Insurance result 201 -1 579 -102 -574 1 297 Return on financial assets backing insurance contracts with participation features 68 2 072 523 1 634 117 Total 269 494 421 1 060 1 414 Note 9 Other general administrative expenses Q3 Q2 Q3¹ Jan-Sep Jan-Sep SEKm 2026 2026 2025 2026 2025 Premises 94 135 103 335 303 IT expenses 1 143 1 259 917 3 536 2 755 Consultants and other bought services 465 544 458 1 527 1 442 Compensation to savings banks 49 49 50 146 152 Travel and marketing 158 196 120 513 472 Telecommunications, postage, security transport, and office costs 102 105 111 318 322 Settlement with New York State Department of Financial Services 483 0 0 483 0 Other expenses¹ 211 192 103 556 376 Total 2 705 2 481 1 863 7 414 5 822 1) There has been a reclassification from Other general administrative expenses to VAT reimbursments. Comparative figures hav e been restated for 2025. An administrative fine, recognised in the second quarter 2025 of SEK13m, is included in Other expense s.

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Swedbank – Interim report Third quarter│2026│31 Note 10 Credit impairments Q3 Q2 Q3 Jan-Sep Jan-Sep SEKm 2026 2026 2025 2026 2025 Credit impairment provisions for loans at amortised cost Stage 1 -124 99 -215 -101 -49 Stage 2 83 204 -196 533 -580 Stage 3 -252 -469 -397 -581 -182 Purchased or originated credit impaired 3 13 0 87 -1 Total -290 -153 -809 -62 -812 Write-offs 212 474 556 905 800 Recoveries -38 -143 -19 -439 -66 Total 174 332 537 466 734 Total credit impairments for loans at amortised cost -116 178 -271 404 -77 Credit impairment provisions for loan commitments and financial guarantees Stage 1 -20 1 -34 -41 -53 Stage 2 8 31 -60 -103 -163 Stage 3 -44 -8 -33 -66 -95 Total credit impairments for loan commitments and financial guarantees -56 24 -127 -210 -311 Credit impairments for assets held for sale -529 110 0 -419 0 Total credit impairments -701 313 -398 -224 -389 Credit impairment ratio, % -0.14 0.06 -0.08 -0.01 -0.03 Calculation of credit impairment provisions The measurement of expected credit losses is described in Note G3 section 3.1 Credit risk on pages 198-204 of the Annual Report 2025. Measurement of 12-month and lifetime expected credit losses Geopolitical uncertainty remains elevated, particularly related to the war in the Middle East, and therefore, post-model expert credit adjustments continue to be deemed relevant. Post-model expert credit adjustments relate to corporate customer sectors assessed as to be more vulnerable and where individual borrowers are continuously monitored – Property management, Agriculture, forestry, fishing, Manufacturing, Construction and Transportation. Post-model expert credit adjustments amounted to SEK 93m (SEK 161m at 30 June 2026, SEK 131m at 31 December 2025) and are allocated as SEK 48m in stage 1 and SEK 46m in stage 2 (SEK 61m in stage 1 and SEK 100m in stage 2 at 30 June 2026, SEK 93m in stage 1 and SEK 37m in stage 2 at 31 December 2025).

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Swedbank – Interim report Third quarter│2026│32 The tables below show the quantitative thresholds used by the Group for assessing a significant increase in credit risk, namely: • Changes in the 12-month PD and internal risk rating grades, which have been applied for the portfolio of loans originated before 1 January 2018. For instance, for exposures originated with risk grades 0 to 5, a downgrade by 1 grade from initial recognition is assessed as a significant change in credit risk. Alternatively, for exposures originated with risk grades 18 to 21, a downgrade by 5 to 8 grades from initial recognition is considered significant. Internal risk ratings are assigned according to the risk management framework outlined in Note G3 Risks in the Annual Report 2025. • Changes in the lifetime PD, which have been applied for the portfolio of loans originated on or after 1 January 2018. For instance, for exposures originated with risk grades 0 to 5, a 50 per cent increase in the lifetime PD from initial recognition is assessed as a significant change in credit risk. Alternatively, for exposures originated with risk grades 18 to 21, an increase of 200-300 per cent from initial recognition is considered significant except for Swedish mortgages where an absolute 12-month PD threshold is also applied. These limits reflect a lower sensitivity to change in the low-risk end of the risk scale and a higher sensitivity to change in the high-risk end of the scale. The Group has performed a sensitivity analysis on how credit impairment provisions would change if thresholds applied were increased or decreased. A lower threshold would increase the number of loans that have migrated from Stage 1 to Stage 2 and also increase the estimated credit impairment provisions. A higher threshold would have the opposite effect. The tables below disclose the impacts of this sensitivity analysis on the credit impairment provisions. Positive amounts represent higher credit impairment provisions that would be recognised. Significant increase in credit risk - financial instruments with initial recognition before 1 January 2018 Significant increase in credit risk - financial instruments with initial recognition on or after 1 January 2018

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Swedbank – Interim report Third quarter│2026│33 Incorporation of forward-looking macroeconomic scenarios The forecasts are based on Swedbank Economic Outlook published on 25 August 2026 and the baseline scenario was updated by Swedbank Macro Research as of 10 September 2026. The baseline scenario, with an assigned probability weight of 66.6 per cent, is aligned with the published outlook and incorporates updated observed outcome and data points. The alternative scenarios are aligned with the updated baseline scenario, with probability weights of 16.7 per cent assigned to both the upside and downside scenario. The table below sets out the key assumptions of the scenarios at 30 September 2026. 30 September 2026 Positive scenario Baseline scenario Negative scenario 2026 2027 2028 2026 2027 2028 2026 2027 2028 Sweden GDP (annual % change) 2.5 2.8 2.2 2.5 2.0 1.9 1.4 -5.6 0.5 Unemployment (annual %) 8.5 7.8 7.1 8.5 8.0 7.5 8.7 10.2 10.7 House prices (annual % change) 3.7 3.4 2.6 3.6 3.0 2.0 2.7 -7.4 -1.0 Stibor 3m (%) 2.10 2.52 2.56 2.10 2.40 2.40 1.89 0.52 0.23 Estonia GDP (annual % change) 2.4 4.1 2.4 2.2 2.5 2.4 0.6 -9.2 -1.0 Unemployment (annual %) 6.7 5.9 5.5 6.7 6.3 5.9 6.9 10.8 15.6 House prices (annual % change) 5.2 6.0 5.4 5.2 3.4 4.9 2.8 -21.5 -16.8 CPI (annual % change) 3.4 2.8 2.5 3.4 2.7 2.2 3.3 0.5 0.5 Latvia GDP (annual % change) 2.6 3.2 2.6 2.5 2.3 2.5 1.7 -5.1 0.4 Unemployment (annual %) 6.9 6.4 6.4 6.9 6.6 6.6 7.1 9.7 14.3 House prices (annual % change) 7.9 7.8 5.6 7.6 6.0 6.0 3.8 -22.1 -11.2 CPI (annual % change) 3.4 3.2 2.8 3.4 3.2 2.7 3.4 1.2 1.9 Lithuania GDP (annual % change) 3.1 3.2 2.6 3.0 2.3 2.5 1.6 -7.6 0.0 Unemployment (annual %) 6.6 6.6 6.6 6.7 6.9 6.9 7.0 11.7 14.9 House prices (annual % change) 13.0 7.5 4.3 12.8 5.6 4.6 8.1 -21.3 -8.6 CPI (annual % change) 5.2 2.6 2.7 5.1 2.5 2.5 5.1 0.8 1.8 Global indicators US GDP (annual %) 2.2 2.6 2.3 2.2 2.1 2.0 1.7 -2.7 -0.4 EU GDP (annual %) 1.0 2.3 1.4 0.9 1.3 1.4 0.5 -4.5 -1.0 Brent Crude Oil (USD/Barrel) 86.2 77.0 73.4 86.4 77.8 73.6 84.0 49.6 55.9 Euribor 6m (%) 2.10 2.52 2.56 2.10 2.40 2.40 1.89 0.52 0.23 The global economy has remained resilient despite the ongoing tensions in the Middle East. Oil prices remain highly volatile, and uncertainty is elevated. The US economy continues to grow at a solid pace, with GDP expanding by just over 2%, driven primarily by AI-related investment and strong household consumption. In the euro area, economic activity has been somewhat stronger than expected, and GDP is projected to increase by just under 1.5% next year, supported by domestic demand. At the same time, inflation risks becoming more persistent, which is expected to prompt further policy rate hikes by the ECB. In contrast, the Federal Reserve is expected to refrain from additional rate increases, as policy rates are already at a higher level. The recovery in the Swedish economy continues, with GDP growth projected to average around 2% per year over the 2026-2028 period. After several years in which exports were the primary driver of growth, domestic demand is now expected to make a larger contribution to economic expansion. Expansionary fiscal policy is providing significant support to growth this year, but fiscal policy is expected to become more restrictive next year, regardless of the composition of the government after the election. Rising inflation and a clearer improvement in economic activity are expected to lead the Riksbank to begin normalising monetary policy towards the end of the year. Growth in the Baltic economies is also strengthening, primarily as a result of stronger domestic demand supported by fiscal stimulus measures. Exports are likewise expected to contribute positively to growth. In all three countries, GDP is forecast to increase by around 2.5% per year in 2027 and 2028. This implies a moderation of growth in Lithuania, while growth is set to pick up in Estonia following several years of weak performance. Latvia is forecast to maintain steady and stable growth throughout the forecast horizon.

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Swedbank – Interim report Third quarter│2026│34 Sensitivity The following table shows the credit impairment provisions that would have been recognised when applying only the downside or only the upside scenarios, respectively, where the probability of their occurrence is considered reasonable. Post-model expert credit adjustments are assumed to be constant in the results. Note 11 Bank taxes and resolution fees Q3 Q2 Q3 Jan-Sep Jan-Sep SEKm 2026 2026 2025 2026 2025 Swedish bank tax 287 289 274 863 819 Lithuanian bank tax 0 0 0 0 238 Latvian bank tax 235 193 187 603 607 Interest free deposit in the Swedish Central Bank 0 98 0 98 Resolution fees 208 206 202 624 605 Total 730 786 663 2 188 2 269 The Swedish bank tax rate was increased as of 2026 and is levied on large credit institutions at 0.07 per cent (0.06) of their total adjusted debt at the beginning of the financial year after deduction of a base amount. The Lithuanian bank tax was temporary for the period May 2023 - December 2025. The temporary Latvian bank tax applies for the years 2025-2027. The tax rate is 60 per cent and is applied to the part of the period's adjusted net interest income which exceeds the average net interest income for the years 2018-2022 by more than 50 per cent. The design of the legislation enables a discount on the bank tax provided certain growth in the lending portfolio. From 31 October 2025, Swedish Central Bank has introduced a requirement for banks to hold interest-free deposits with the Swedish Central Bank. The requirement has been introduced to strengthen Swedish Central Bank’s equity. The size of the deposit is revalued annually after Swedish Central Bank’s annual financial statements have been finalised. Swedbank recognises the present value of the lost interest income for the deposit as an expense in its entirety when Swedish Central Bank receives the interest-free deposit. Based on decision from the Swedish Central Bank, deposit of SEK 5.4bn was made in the second quarter.

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Swedbank – Interim report Third quarter│2026│35 Note 12 Loans The following tables present loans to the public and credit institutions at amortised cost by industry sectors, loans and credit impairment provisions ratios.

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Swedbank – Interim report Third quarter│2026│36 Note 13 Credit impairment provisions The following table presents a summary of credit impairment provisions for financial instruments that are subject to the credit impairment requirements excluding Assets held for sale. The following table presents gross carrying amounts and nominal amounts, respectively, by stage for financial instruments that are subject to the credit impairment requirements excluding Assets held for sale.

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Swedbank – Interim report Third quarter│2026│37 Reconciliation of credit impairment provisions for loans The table below provides a reconciliation of credit impairment provisions for loans to the public and credit institutions at amortised cost. For more information about Assets held for sale, see Note 24.

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Swedbank – Interim report Third quarter│2026│38 Loan commitments and financial guarantees The table below provides a reconciliation of credit impairment provisions for loan commitments and financial guarantees. Note 14 Credit risk exposures 30 Sep 31 Dec 30 Sep SEKm 2026 2025 2025 Assets Cash and balances with central banks 282 061 263 628 320 849 Interest-bearing securities 281 634 221 497 267 959 Loans to credit institutions 26 026 32 015 31 425 Loans to the public 2 085 661 1 989 024 1 954 184 Derivatives 38 329 17 283 17 598 Other financial assets 25 361 15 891 23 305 Assets held for sale 7 197 0 0 Total assets 2 746 269 2 539 337 2 615 320 Contingent liabilities and commitments Guarantees 40 791 37 537 39 884 Loan commitments 345 476 317 894 267 914 Total contingent liabilities and commitments 386 268 355 431 307 797 Total 3 132 537 2 894 768 2 923 118

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Swedbank – Interim report Third quarter│2026│39 Note 15 Intangible assets Indefinite useful life Definite useful life Total Goodwill & Brand Other intangible assets Jan-Sep Full year Jan-Sep Jan-Sep Full year Jan-Sep Jan-Sep Full year Jan-Sep SEKm 2026 2025 2025 2026 2025 2025 2026 2025 2025 Opening balance 15 073 14 250 14 250 7 588 6 621 6 621 22 661 20 871 20 871 Additions 0 1 084 1 668 1 178 1 084 1 668 1 178 Acquisitions 1 507 145 1 652 Amortisation for the period -744 -842 -630 -744 -842 -630 Exchange rate differences 538 -683 -446 -6 -4 -3 532 -687 -449 Closing balance 15 612 15 073 13 804 7 921 7 588 7 166 23 533 22 661 20 969 Following Swedbank’s decision earlier this year to divest a consumer loan portfolio within Entercard operations in the near future, an impairment test was performed for the remaining cash-generating unit. There was no need for an impairment. As of 30 September 2026, no indicators of impairment were identified for other intangible assets. As a result of business acquisitions during 2025, goodwill amounting to SEK 1 079 m was obtained. In addition, recognized values arose for the brands Entercard and re:member of SEK 388 million and the brand Stabelo of SEK 40 million. For more information see note 25. Note 16 Amounts owed to credit institutions 30 Sep 31 Dec 30 Sep SEKm 2026 2025 2025 Central banks 7 092 0 7 441 Banks 60 525 45 860 68 631 Other credit institutions 2 900 3 758 7 348 Repurchase agreements 11 032 4 926 3 777 Total 81 549 54 544 87 197 Note 17 Deposits and borrowings from the public 30 Sep 31 Dec 30 Sep SEKm 2026 2025 2025 Private customers 813 071 770 951 764 972 Corporate customers 545 964 529 187 541 571 Total deposits from customers 1 359 035 1 300 138 1 306 543 Cash collaterals received 3 118 1 807 1 729 Swedish National Debt Office 7 118 73 Repurchase agreements - Swedish National Debt Office 0 1 0 Repurchase agreements 5 672 1 107 5 229 Total borrowings 8 796 3 034 7 031 Deposits and borrowings from the public 1 367 832 1 303 172 1 313 574

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Swedbank – Interim report Third quarter│2026│40 Note 18 Debt securities in issue, senior non-preferred liabilities and subordinated liabilities 30 Sep 31 Dec 30 Sep SEKm 2026 2025 2025 Commercial papers 355 120 251 115 309 810 Covered bonds 379 172 366 214 365 111 Senior unsecured bonds 134 155 116 436 119 467 Structured retail bonds 1 1 1 Total debt securities in issue 868 448 733 765 794 389 Senior non-preferred liabilities 127 776 135 814 128 820 Subordinated liabilities 47 400 38 422 38 979 Total 1 043 624 908 001 962 188 Jan-Sep Full-year Jan-Sep Turnover 2026 2025 2025 Opening balance 908 001 916 012 916 012 Issued 554 046 701 656 553 733 Repurchased -12 120 -32 811 -18 271 Repaid -456 809 -610 333 -433 167 Interest, change in fair values or hedged items in fair value hedges and changes in exchange rates 50 506 -66 522 -56 159 Closing balance 1 043 624 908 001 962 188 Note 19 Derivatives The Group trades in derivatives in the normal course of business and for the purpose of hedging certain positions that are exposed to share price, interest rate, credit and currency risks. The carrying amounts of all derivatives refer to fair value including accrued interest. The amount offset for financial assets includes offset cash collateral of SEK 2 252m (3 679) derived from the balance sheet item Amounts owed to credit institutions. The amount offset for financial liabilities includes offset cash collateral of SEK 11 049m (4 180), derived from the balance sheet item Loans to credit institutions. Nominal amount Positive fair value Negative fair value 30 Sep 31 Dec 30 Sep 30 Sep 31 Dec 30 Sep 30 Sep 31 Dec 30 Sep SEKm 2026 2025 2025 2026 2025 2025 2026 2025 2025 Derivatives in hedge accounting One-to-one fair value hedges¹ 657 623 603 139 596 312 2 467 8 545 9 512 12 826 5 465 5 795 Portfolio fair value hedges¹ 270 135 298 632 284 201 1 451 1 638 1 871 1 661 1 976 2 392 Cash flow hedges² 4 163 5 493 7 811 404 273 522 12 Total 931 921 907 264 888 324 4 322 10 456 11 904 14 487 7 453 8 186 Non-hedge accounting derivatives 36 616 508 34 691 183 35 669 240 677 591 558 304 583 740 668 018 574 057 597 048 Gross amount 37 548 429 35 598 447 36 557 564 681 912 568 760 595 645 682 505 581 510 605 234 Offset amount -643 583 -551 478 -578 047 -652 380 -551 979 -580 131 Total 38 329 17 283 17 598 30 124 29 531 25 103 1) Interest rate swaps 2) Cross currency basis swaps

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Swedbank – Interim report Third quarter│2026│41 Note 20 Valuation categories for financial instruments The tables below present the carrying amount and fair value of financial assets and financial liabilities, according to valuation categories. The methodologies to determine the fair value are described in the Annual Report 2025, note G46 Fair value of financial instruments.

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Swedbank – Interim report Third quarter│2026│42

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Swedbank – Interim report Third quarter│2026│43 Note 21 Financial instruments recognised at fair value The determination of fair value, the valuation hierarchy and the valuation process for fair value measurements in Level 3 are described in the Annual Report 2025, note G46 Fair value of financial instruments. The financial instruments are distributed in three levels depending on the degree of observable market data in the valuation and activity in the market. • Level 1: Unadjusted quoted price on an active market. • Level 2: Adjusted quoted price or valuation model with valuation parameters derived from an active market. • Level 3: Valuation model where significant valuation parameters are non-observable and based on internal assumptions. The following tables present fair values of financial instruments recognised at fair value split between the three valuation hierarchy levels. Transfers between levels are reflected as per the fair value at closing day. There were no transfers of financial instruments between valuation levels 1 and 2 during the period. Financial instruments are transferred to or from level 3 depending on whether the internal assumptions have changed in significance to the valuation. Level 3 mainly comprises strategic unlisted shares. These include holdings in VISA Inc. C shares, which are subject to selling restrictions until June 2028 and under certain conditions may have to be returned. Liquid

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Swedbank – Interim report Third quarter│2026│44 quotes are not available for these shares, therefore the fair value is established with significant elements of Swedbank’s own internal assumptions. The carrying amount of the holdings in Visa Inc. C amounted as per 30 September 2026 to SEK 152m (SEK 127m 31 December 2025). In the Group’s insurance operations, fund units are held in which the customers have chosen to invest their insurance savings. The holdings are reported in the balance sheet as financial assets where the customers bear the investment risk and are normally measured at fair value according to level 1, because the units are traded in an active market. The Group’s obligations to insurance savers are reported as financial liabilities where the customers bear the investment risk because it is the customers who bear the entire market value change of the assets. The liabilities are normally measured at fair value according to level 2. During 2022, trading was closed in whole or in part in Russia and Eastern Europe targeted funds. Remaining unit holdings, only correlated to the Russia funds have been measured at fair value according to level 3 and been measured at value of zero. Note 22 Assets pledged, contingent liabilities/-assets and commitments 30 Sep 31 Dec 30 Sep SEKm 2026 2025 2025 Loans used as collateral for covered bonds¹ 451 679 425 131 417 036 Assets recorded in register on behalf of insurance policy holders 533 372 449 714 432 553 Other assets ledged for own liabilities 82 175 100 106 106 882 Other assets pledged 14 789 12 863 11 879 Assets pledged 1 082 015 987 814 968 349 Nominal amounts Guarantees 40 791 37 537 39 884 Other 61 72 71 Contingent liabilities 40 852 37 609 39 955 Nominal amounts Loans granted not paid 247 844 220 421 214 751 Overdraft facilities granted but not utilised 55 596 57 291 53 150 Credit cards granted not used² 42 036 40 182 0 Unsettled acquisition of Riksbank Certificates 0 0 133 000 Commitments 345 476 317 894 400 914 1) The pledge is defined as the borrower’s nominal debt including accrued interest and refers to the loans of the total avail able collateral that are used as the pledge at each point in time. 2) Entercard was acquired 1 December 2025. Investigations The remaining U.S. investigations relating to Swedbank’s historical shortcomings were concluded in the first and third quarters of 2026 For further information, see Note 28 Risks and uncertainties. Claim from the Swedish Pension Agency On 20 December 2024, the Swedish Pensions Agency filed a SEK 2 790m lawsuit against Swedbank in the Stockholm District Court for Swedbank’s role as a custodian of the Optimus High Yield fund during the period 2012–2015. Swedbank contests the Swedish Pensions Agency’s claim and has not allocated any provisions for the Swedish Pensions Agency’s suit.

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Swedbank – Interim report Third quarter│2026│45 Note 23 Offsetting financial assets and liabilities The tables below present recognised financial instruments that have been offset in the balance sheet under IAS 32 and those that are subject to legally enforceable master netting or similar agreements but do not qualify for offset. Such financial instruments relate to derivatives, repurchase and reverse repurchase agreements, securities settlements, securities borrowing and lending transactions. Collateral amounts represent financial instruments or cash collateral received or pledged for transactions that are subject to a legally enforceable master netting or similar agreements and which allow for the netting of obligations against the counterparty in the event of a default. Collateral amounts are limited to the amount of the related instruments presented in the balance sheet; therefore any over-collateralisation is not included. Amounts that are not offset in the balance sheet are presented as a reduction to the financial assets or liabilities in order to derive net asset and net liability exposure. Financial assets Financial liabilities 30 Sep 31 Dec 30 Sep 30 Sep 31 Dec 30 Sep SEKm 2026 2025 2025 2026 2025 2025 Financial assets and liabilities, which have been offset or are subject to netting Gross amount 827 571 718 152 814 757 728 896 633 991 707 666 Offset amount -671 817 -598 215 -671 146 -680 615 -598 716 -673 229 Net amounts presented in the balance sheet 155 754 119 937 143 611 48 281 35 276 34 437 Related amounts not offset in the balance sheet Financial instruments, netting arrangements 32 441 9 692 17 611 32 441 9 692 17 611 Financial Instruments, collateral 107 087 104 109 118 791 9 908 10 592 2 069 Cash collateral 12 017 3 642 3 700 5 498 13 231 9 312 Total amount not offset in the balance sheet 151 546 117 444 140 102 47 846 33 515 28 992 Net amount 4 208 2 493 3 509 435 1 760 5 445 The amount offset for financial assets includes offset cash collateral of SEK 2 252m (3 679) derived from the balance sheet item Amounts owed to credit institutions. The amount offset for financial liabilities includes offset cash collateral of SEK 11 049m (4 180), derived from the balance sheet item Loans to credit institutions. Note 24 Assets held for sale Since the first quarter 2026, Entercard’s consumer loan portfolio has been presented on the balance sheet as Assets held for sale. During the third quarter 2026, an agreement was signed for the sale of non-performing loans within the consumer loan portfolio. The contractual amount was approximately SEK 4bn, resulting in a positive revaluation effect on the Group's credit impairments of SEK 543m. The final outcome will be determined upon completion of the transaction, which is expected to occur during the fourth quarter 2026, subject to customary closing conditions and regulatory approvals. Subsequent to the end of the third quarter, an agreement was also signed for the sale of the remaining part of the consumer loan portfolio. The contractual amount was approximately SEK 7bn, see Events after the period. The consumer loan portfolio is part of the operating segment Entercard, which is presented within Group Functions and Other. Interest is calculated using the effective interest rate method and recognised in the income statement as Net interest income. Credit impairments are recognised in the income statement as Credit impairments. As of 30 September, the contractual amount of the loan portfolio amounted to SEK 10 511m. 30 Sep SEKm 2026 Loans to the public Gross carrying amount 7 538 Credit impairments provisions -341 Total 7 197

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Swedbank – Interim report Third quarter│2026│46 Note 25 Business combination Business combinations in 2025 On 1 December 2025, Swedbank acquired all remaining shares in Entercard Group AB, previously accounted for as a joint venture, for SEK 2 756m. The acquisition is mainly due to an integrated customer offering, strengthening the overall experience for Swedbank’s existing customers and opening opportunities for increased cross-selling. The recognised goodwill represents expected synergies. The cash and cash equivalent in the acquired company amounted to SEK 0m. Acquisition-related expenses amounting to SEK 3m have been reported as Other general administrative expenses in the income statement. From the acquisition date Entercard contributed with SEK 215m in income and with SEK -265m to the profit for the period after tax. If the company had been acquired at the beginning of the financial year 2025, the company would have contributed with about SEK 2 895m in income 2025 and with about SEK 374m to the profit for the period after tax. Entercard Group AB Carrying amount in the Group at acquisition date SEKm 1 December 2025 Assets Loans to credit institutions 2 839 Loans to the public 27 613 Bonds and other interest-bearing securities 2 055 Intangible assets 452 Tangible assets 139 Other assets 598 Total assets 33 698 Liabilities Amounts owed to credit institutions 28 427 Other liabilities 705 Total liabilities 29 132 Identifiable net assets 4 566 Transferred consideration, cash 2 756 Previously held interest, carrying amount 2 832 Previously held interest, re-measurement -77 Total fair value 5 511 Goodwill 945 Acquired loans to the public, fair value 27 613 Acquired loans to the public, gross contracutal amounts 32 595 Acquired loans to the public, best estimate of the contractual cash flows not expected to be collected 4 982

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Swedbank – Interim report Third quarter│2026│47 On 3 November 2025, Swedbank acquired all shares in Stabelo Group AB for cash consideration of SEK 349m. Stabelo Group AB owns the following subsidiaries: Stabelo AB, Stabelo Asset Management AB, Stabelo Fund 1 and Stabelo Fund 2. The acquisition is mainly due to accessing a complementary brand and new channels for mortgages, thereby enabling Swedbank to reach more customers. The recognised goodwill represents expected synergies. If the financial performance of the acquisition exceeds certain profitability measures, such as return on equity, during 2026-2028, a contingent consideration will be paid. At the acquisition date, the consideration was valued at SEK 16m, which corresponds to the probability-weighted average value that the company achieves relevant profitability levels. The intention with the contingent consideration is to share possible excess profitability with the seller. The liability is recognised as Other liabilities and provisions. The cash and cash equivalent in the acquired company amounted to SEK 0m. Acquisition-related expenses amounting to SEK 17m have been reported as Other general administrative expenses in the income statement. From the acquisition date Stabelo contributed with SEK 11m in income and with SEK -8m to the profit for the period after tax. If the company had been acquired at the beginning of the financial year 2025, the company would have contributed with about SEK 26m in income 2025 and with about SEK -58m to the profit for the period after tax. Stabelo Group AB Carrying amount in the Group at acquisition date SEKm 3 November 2025 Assets Loans to credit institutions 2 298 Loans to the public 16 687 Intangible assets 115 Tangible assets 5 Other assets 85 Total assets 19 190 Liabilities Deposits and borrowings from the public 18 933 Other liabilities 42 Total liabilities 18 976 Identifiable net assets 215 Transferred consideration, cash 349 Goodwill 134 Acquired loans to the public, fair value 16 687 Acquired loans to the public, gross contracutal amounts 16 687

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Swedbank – Interim report Third quarter│2026│48 Note 26 Capital adequacy, consolidated situation This note contains the information made public according to the Swedish Financial Supervisory Authority Regulation FFFS 2008:25. Additional periodic information according to Regulation (EU) No 575/2013 of the European Parliament and of the Council on Supervisory Requirements for Credit Institutions and Implementing Regulation (EU) No 2021/637 of the European Commission can be found on Swedbank’s website: https://www.swedbank.com/investor-relations/reports-and-presentations/risk-reports. In the consolidated situation the Group’s insurance companies are accounted for according to the equity method instead of full consolidation. Joint venture companies Finansinfrastruktur i Sverige AB, Tibern AB and Svenska e-fakturabolaget AB consolidates by proportional method instead of accounted for with the equity method. Otherwise, the same principles for consolidations are applied as for the Group. 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep Consolidated situation, SEKm 2026 2026 2026 2025 2025 Available own funds Common Equity Tier 1 (CET1) capital 171 879 169 800 167 504 166 099 177 051 Tier 1 capital 187 592 185 594 182 839 181 239 192 284 Total capital 219 222 209 488 206 432 204 483 216 038 Risk-weighted exposure amounts Total risk exposure amount 999 415 975 735 954 764 932 090 900 821 Total risk exposure pre-floor 999 415 975 735 954 764 932 090 900 821 Capital ratios as a percentage of risk-weighted exposure amount Common Equity Tier 1 ratio 17.2 17.4 17.5 17.8 19.7 Common Equity Tier 1 ratio considering unfloored TREA 17.2 17.4 17.5 17.8 19.7 Tier 1 ratio 18.8 19.0 19.2 19.4 21.3 Tier 1 ratio considering unfloored TREA 18.8 19.0 19.2 19.4 21.3 Total capital ratio 21.9 21.5 21.6 21.9 24.0 Total capital ratio considering unfloored TREA 21.9 21.5 21.6 21.9 24.0 Additional own funds requirements to address risks other than the risk of excessive leverage as a percentage of risk-weighted exposure amount Additional own funds requirements to address risks other than the risk of excessive leverage 2.5 2.2 2.2 2.2 2.2 of which: to be made up of CET1 capital 1.7 1.5 1.5 1.5 1.5 of which: to be made up of Tier 1 capital 1.9 1.7 1.7 1.7 1.7 Total SREP own funds requirements 10.5 10.2 10.2 10.2 10.2 Combined buffer and overall capital requirement as a percentage of risk -weighted exposure amount Capital conservation buffer 2.5 2.5 2.5 2.5 2.5 Conservation buffer due to macro-prudential or systemic risk identified at the level of a Member State Institution-specific countercyclical capital buffer 1.7 1.7 1.8 1.8 1.8 Systemic risk buffer 3.1 3.1 3.1 3.1 3.1 Global Systemically Important Institution buffer Other Systemically Important Institution buffer 1.0 1.0 1.0 1.0 1.0 Combined buffer requirement 8.4 8.4 8.4 8.4 8.3 Overall capital requirements 18.9 18.5 18.5 18.5 18.5 CET1 available after meeting the total SREP own funds requirements 10.8 11.3 11.5 11.8 13.7 Leverage ratio Total exposure measure 2 986 695 2 971 442 2 910 341 2 761 434 2 893 956 Leverage ratio, % 6.3 6.3 6.3 6.6 6.6 Additional own funds requirements to address the risk of excessive leverage as a percentage of total exposure measure Additional own funds requirements to address the risk of excessive leverage of which: to be made up of CET1 capital Total SREP leverage ratio requirements 3.0 3.0 3.0 3.0 3.0 Leverage ratio buffer and overall leverage ratio requirement as a percentage of total exposure measure Leverage ratio buffer requirement 0 0 0 Overall leverage ratio requirement 3.0 3.0 3.0 3.0 3.0 Liquidity Coverage Ratio¹ Total high-quality liquid assets, average weighted value 598 903 615 419 629 145 646 577 676 492 Cash outflows, total weighted value 439 462 446 052 451 973 457 665 470 601 Cash inflows, total weighted value 65 524 63 920 64 632 65 037 63 037 Total net cash outflows, adjusted value 373 938 382 132 387 341 392 628 407 564 Liquidity coverage ratio, % 160.7 161.6 162.9 165.1 167.0 Net stable funding ratio Total available stable funding 1 908 642 1 870 619 1 842 138 1 830 750 1 851 232 Total required stable funding 1 571 431 1 538 298 1 494 288 1 477 043 1 447 493 Net stable funding ratio, % 121.5 121.6 123.3 124.0 127.9 1) High quality liquid assets and cashflows refer to the average of the values at each month -end during the last 12 months. The ratio is calculated as an average of the 12 last month-end observations.

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Swedbank – Interim report Third quarter│2026│49 Common Equity Tier 1 capital 30 Sep 31 Dec 30 Sep Consolidated situation, SEKm 2026 2025 2025 Shareholders' equity according to the Group's balance sheet 215 967 225 802 217 743 Anticipated dividend -15 950 -33 487 -17 220 Value changes in own financial liabilities -53 -47 -61 Cash flow hedges -2 -1 -1 Additional value adjustments -614 -595 -453 Goodwill -15 291 -14 734 -13 923 Deferred tax assets -90 -84 0 Intangible assets -6 500 -5 844 -4 917 Insufficient coverage for non-performing exposures -469 -393 -163 Deductions of CET1 capital due to Article 3 CRR -137 -147 -162 Shares deducted from CET1 capital -93 -73 -65 Pension fund assets -3 838 -3 591 -3 204 Net provisions for reported IRB credit exposures -1 052 -708 -549 Other 0 0 26 Total 171 879 166 099 177 051 Risk exposure amount 30 Sep 31 Dec 30 Sep Consolidated situation, SEKm 2026 2025 2025 Credit risks, standardised approach 86 173 79 716 65 730 Credit risks, IRB 511 003 479 898 476 301 Default fund contribution 286 260 278 Settlement risks 0 0 0 Market risks 15 386 13 571 15 483 Credit value adjustment 3 715 2 853 3 039 Operational risks 150 104 150 104 135 852 Additional risk exposure amount, Article 3 CRR 18 507 6 805 6 338 Additional risk exposure amount, Article 458 CRR 214 241 198 884 197 801 Total 999 415 932 090 900 821 SEKm % Capital requirements¹ 30 Sep 31 Dec 30 Sep 30 Sep 31 Dec 30 Sep Consolidated situation, SEKm / % 2026 2025 2025 2026 2025 2025 Capital requirement Pillar 1 163 512 152 497 147 269 16.4 16.4 16.3 of which Buffer requirements² 83 559 77 930 75 204 8.4 8.4 8.3 Capital requirement Pillar 2³ 24 985 20 133 19 458 2.5 2.2 2.2 Pillar 2 guidance 4 997 4 660 4 504 0.5 0.5 0.5 Total capital requirement including Pillar 2 guidance 193 495 177 290 171 231 19.4 19.0 19.0 Own funds 219 222 204 483 216 038 1) Swedbank's calculation based on the SFSA's announced capital requirements, including Pillar 2 requirements and Pillar 2 gu idance. 2) Buffer requirements include systemic risk buffer, capital conservation buffer, countercyclical capital buffer and buffer f or other systemically important institutions. 3) Individual Pillar 2 requirement according to decision from SFSA SREP 2026. SEKm % Leverage ratio requirements¹ 30 Sep 31 Dec 30 Sep 30 Sep 31 Dec 30 Sep Consolidated situation, SEKm / % 2026 2025 2025 2026 2025 2025 Leverage ratio requirement Pillar 1 89 601 82 843 86 819 3.0 3.0 3.0 Leverage ratio Pillar 2 guidance² 4 480 5 523 4 341 0.2 0.2 0.2 Total capital requirement including Pillar 2 guidance 94 081 88 366 91 160 3.2 3.2 3.2 Tier 1 capital 187 592 181 239 192 284 1) Swedbank's calculation based on the SFSA's announced leverage ratio requirements, including Pillar 2 requirements and Pill ar 2 guidance. 2) Leverage ratio Pillar 2 guidance is 0.15% according to decision from SFSA SREP 2026.

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Swedbank – Interim report Third quarter│2026│50 Note 27 Internal capital requirement This note provides information on the internal capital assessment according to chapter 8, section 4 of the SFSA’s regulation on prudential requirements and capital buffers (2014:12). The internal capital assessment is published in the interim report according to chapter 8, section 4 of the SFSA’s regulation and general advice on annual reports from credit institutions and investment firms (2008:25). A bank must identify, measure and manage the risks with which its activities are associated and have sufficient capital to cover these risks. The purpose of the Internal Capital Adequacy Assessment Process (ICAAP) is to ensure that the bank is sufficiently capitalised to cover its risks and to conduct and develop its business activities. Swedbank applies its own models and processes to evaluate its capital need for all relevant risks. The models that serve as a basis for the internal capital assessment evaluate the need for economic capital over a one-year horizon at a 99.9 per cent confidence level for each type of risk. Diversification effects between various types of risks are not taken into account in the calculation of economic capital. As a complement to the economic capital calculation, scenario-based simulations and stress tests are conducted at least once a year. The analyses provide an overview of the most important risks Swedbank is exposed to by quantifying their impact on the income statement and balance sheet as well as the own funds and risk-weighted assets. The purpose is to ensure efficient use of capital. This methodology serves as a basis of proactive risk and capital management. As of 30 September 2026, the internal capital assessment for Swedbank’s consolidated situation amounted to SEK 68.9bn (SEK 64.9bn as of 31 December 2025). Swedbank’s internal capital assessment using its own models is not comparable with the estimated capital requirement that is decided by the SFSA. In addition to what is stated in this interim report, risk management and capital adequacy according to the Basel III framework are described in more detail in Swedbank’s Annual report 2025 as well as in Swedbank’s yearly Risk Management and Capital Adequacy Report, available on http://www.swedbank.com. Note 28 Risks and uncertainties In January 2026, the bank was informed that the Department of Justice (DoJ) had concluded its investigation without enforcement. In July 2026, Swedbank reached a settlement with the New York State Department of Financial Services (DFS), resulting in a payment of USD 50 million. As a result, all regulatory investigations and the legal uncertainty related to these historical shortcomings have now been concluded. Apart from this, the Group’s overall risk profile remains unchanged in all material respects compared with the description in the Annual Report 2025. Swedbank’s earnings are affected by developments in the global marketplace and geopolitical factors beyond its control. Macroeconomic factors such as GDP growth, asset prices and unemployment, as well as changes in interest rates, equity prices and exchange rates, influence financial performance. The rapid advancement of artificial intelligence also introduces security-related risks, as vulnerabilities may be exploited more rapidly and at greater scale as AI adoption becomes increasingly widespread. Swedbank is subject to various laws and regulations in the countries where the Group operates and is supervised by regulatory authorities in those jurisdictions. As part of ongoing supervisory activities, regulators regularly raise inquiries and conduct reviews of the bank’s operations. Such reviews may result in criticism, fines or other sanctions. In addition, changes in legislation, as well as changes in the interpretation and application of laws and regulations, may expose the Group to additional risks.

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Swedbank – Interim report Third quarter│2026│51 Change in value if the market interest rate rises by one percentage point Impact in SEKm on the net value of assets and liabilities, including derivatives, when market interest rates are increased by one percentage point. 30 September 2026 < 5 yrs 5-10 yrs > 10 yrs Total SEK -293 1 089 548 1 344 Foreign currencies 509 1 335 398 2 242 Total 217 2 424 946 3 587 31 December 2025 SEK -399 1 167 645 1 412 Foreign currencies 310 1 654 430 2 394 Total -91 2 821 1 075 3 806 Impact in SEKm on the net value of assets and liabilities measured at fair value through profit or loss, when market interest rates are increased by one percentage point. 30 September 2026 < 5 yrs 5-10 yrs > 10 yrs Total SEK 507 -336 195 365 Foreign currencies -1 094 -147 -114 -1 354 Total -589 -483 81 -989 31 December 2025 SEK 457 -388 268 337 Foreign currencies -1 180 241 -91 -1 030 Total -724 -147 177 -693 Note 29 Related-party transactions During the period normal business transactions were executed between companies in the Group, including other related companies such as associates and joint ventures. Partly owned savings banks are important associates.

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Swedbank – Interim report Third quarter│2026│52 Note 30 Swedbank’s share 30 Sep 31 Dec 30 Sep Number of outstanding ordinary shares 2026 2025 2025 Issued shares SWED A 1 132 005 722 1 132 005 722 1 132 005 722 Repurchased shares SWED A -8 291 057 -7 780 212 -7 780 212 Number of outstanding ordinary shares on the closing day 1 123 714 665 1 124 225 510 1 124 225 510 SWED A Last price, SEK 407.50 321.10 283.20 Market capitalisation, SEKm 457 914 360 989 318 381 During 2026, within Swedbank's share-based compensation programme, Swedbank AB transferred 1 319 155 shares at no cost to employees. During the first quarter 2026 Swedbank AB repurchased 1 830 000 shares to a weighted average price of SEK 351.36 per share. Q3 Q2 Q3 Jan-Sep Jan-Sep Earnings per share 2026 2026 2025 2026 2025 Average number of shares Average number of shares before dilution 1 123 714 665 1 123 714 665 1 124 225 510 1 123 680 960 1 124 323 194 Weighted average number of shares for potential ordinary shares that incur a dilutive effect due to share- based compensation programme 6 716 961 6 379 427 5 614 018 6 591 875 5 659 261 Average number of shares after dilution 1 130 431 626 1 130 094 092 1 129 839 528 1 130 272 835 1 129 982 455 Profit, SEKm Profit for the period attributable to shareholders of Swedbank 8 247 7 194 8 511 22 786 24 600 Earnings for the purpose of calculating earnings per share 8 247 7 194 8 511 22 786 24 600 Earnings per share, SEK Earnings per share before dilution 7.34 6.40 7.57 20.28 21.88 Earnings per share after dilution 7.30 6.37 7.53 20.16 21.77

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Swedbank – Interim report Third quarter│2026│53 Financial statements - Swedbank AB Income statement, condensed Parent company Q3 Q2 Q3 Jan-Sep Jan-Sep SEKm 2026 2026 2025 2026 2025 Interest income 16 466 15 880 16 115 47 072 51 208 Interest expense -8 959 -8 730 -8 958 -25 533 -29 970 Net interest income 7 507 7 150 7 156 21 539 21 238 Dividends received 854 1 545 1 588 12 771 18 221 Net commission income 1 918 1 864 1 816 5 614 5 310 Net gains and losses on financial items -352 241 98 261 -495 Other income 1 399 1 401 1 359 4 204 3 971 Total income 11 325 12 202 12 017 44 390 48 245 Staff costs 3 324 3 388 3 166 9 989 9 581 Other expenses¹ 2 399 1 932 1 806 6 264 5 503 VAT reimbursments¹ -197 0 -566 Depreciation/amortisation and impairment of tangible and intangible fixed assets 1 409 1 359 1 331 4 126 4 040 Total expenses 7 132 6 679 6 106 20 379 18 558 Profit before impairments, Swedish bank tax and resolution fees 4 193 5 523 5 910 24 011 29 687 Credit impairments, net -373 185 -75 -339 -181 Swedish bank tax and resolution fees 336 417 328 1 089 980 Operating profit 4 230 4 921 5 657 23 262 28 888 Appropriations Tax expense 1 030 1 106 1 269 3 273 3 574 Profit for the period 3 200 3 815 4 388 19 989 25 313 1)There has been a reclassification from row Other general administrative expenses to row VAT reimbursments. Comparative figures have been restated for 2025. Statement of comprehensive income, condensed Parent company Q3 Q2 Q3 Jan-Sep Jan-Sep SEKm 2026 2026 2025 2026 2025 Profit for the period reported via income statement 3 200 3 815 4 388 19 989 25 313 Total comprehensive income for the period 3 200 3 815 4 388 19 989 25 313

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Swedbank – Interim report Third quarter│2026│54 Balance sheet, condensed Parent company 30 Sep 31 Dec 30 Sep SEKm 2026 2025 2025 Assets Cash and balances with central banks 151 128 124 123 202 802 Loans to credit institutions 739 739 817 359 763 290 Loans to the public 566 528 519 370 516 871 Interest-bearing securities 280 251 221 373 262 353 Shares and participating interests 117 371 92 482 93 184 Derivatives 46 404 23 781 23 030 Other assets 52 373 46 526 47 013 Total assets 1 953 794 1 845 012 1 908 543 Liabilities and equity Amounts owed to credit institutions 141 484 162 358 166 010 Deposits and borrowings from the public 906 064 891 570 913 370 Value change of the hedged liabilities in portfolio hedges of interest rate risk -80 148 233 Debt securities in issue 485 596 366 807 427 301 Derivatives 40 408 40 229 37 746 Other liabilities and provisions 70 347 61 185 55 969 Senior non-preferred liabilities 127 776 135 814 128 820 Subordinated liabilities 47 400 38 422 38 979 Untaxed reserves 26 646 26 646 18 988 Equity 108 153 121 834 121 127 Total liabilities and equity 1 953 794 1 845 012 1 908 543 Pledged collateral 81 582 99 938 106 654 Other assets pledged 14 789 12 863 11 879 Contingent liabilities 67 286 67 012 71 166 Commitments 231 052 246 742 369 698

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Swedbank – Interim report Third quarter│2026│55 Statement of changes in equity, condensed Parent company SEKm Restricted equity Non-restricted equity January-September 2026 Share capital Statutory reserve Share premium reserve Retained earnings Total Opening balance 1 January 2026 24 904 5 968 13 206 77 755 121 833 Dividend -33 487 -33 487 Repurchased own shares -643 -643 Share based payments to employees 460 460 Total comprehensive income for the period 19 989 19 989 Closing balance 30 September 2026 24 904 5 968 13 206 64 074 108 152 January-December 2025 Opening balance 1 January 2025 24 904 5 968 13 206 76 322 120 400 Dividend -24 392 -24 392 Repurchased own shares -574 -574 Share based payments to employees 514 514 Total comprehensive income for the period 25 885 25 885 Closing balance 31 December 2025 24 904 5 968 13 206 77 755 121 833 January-September 2025 Opening balance 1 January 2025 24 904 5 968 13 206 76 322 120 400 Dividend -24 392 -24 392 Repurchased own shares -574 -574 Share based payments to employees 378 378 Total comprehensive income for the period 25 313 25 313 Closing balance 30 September 2025 24 904 5 968 13 206 77 047 121 125 Cash flow statement, condensed Parent company Jan-Sep Full-year Jan-Sep SEKm 2026 2025 2025 Cash flow from operating activities 59 843 -31 907 49 979 Cash flow from investing activities 11 186 15 325 20 375 Cash flow from financing activities -44 022 -463 -8 720 Cash flow for the period 27 007 -17 045 61 634 Cash and cash equivalents at beginning of period 124 123 141 168 141 168 Cash flow for the period 27 007 -17 045 61 634 Cash and cash equivalents at end of period 151 130 124 123 202 802

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Swedbank – Interim report Third quarter│2026│56 Capital adequacy 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep Parent company, SEKm 2026 2026 2026 2025 2025 Available own funds Common equity tier 1 (CET1) capital 111 492 113 878 114 807 107 689 117 260 Tier 1 capital 127 205 129 671 130 143 122 829 132 493 Total capital 159 013 154 022 154 011 146 487 156 786 Risk-weighted exposure amounts Total risk exposure amount 560 891 573 045 591 536 627 051 594 585 Capital ratios as a percentage of risk-weighted exposure amount Common equity tier 1 ratio 19.9 19.9 19.4 17.2 19.7 Tier 1 ratio 22.7 22.6 22.0 19.6 22.3 Total capital ratio 28.4 26.9 26.0 23.4 26.4 Additional own funds requirements to address risks other than the risk of excessive leverage as a percentage of risk-weighted exposure amount Additional own funds requirements to address risks other than the risk of excessive leverage 1.1 1.0 1.0 1.0 1.0 of which: to be made up of CET1 capital 0.6 0.6 0.6 0.6 0.6 of which: to be made up of Tier 1 capital 0.8 0.8 0.8 0.8 0.8 Total SREP own funds requirements 9.1 9.0 9.0 9.0 9.0 Combined buffer and overall capital requirement as a percentage of risk-weighted exposure amount Capital conservation buffer 2.5 2.5 2.5 2.5 2.5 Conservation buffer due to macro-prudential or systemic risk identified at the level of a Member State Institution-specific countercyclical capital buffer 1.7 1.7 1.7 1.7 1.7 Systemic risk buffer 0.3 0.3 Global Systemically Important Institution buffer Other Systemically Important Institution buffer Combined buffer requirement 4.5 4.5 4.2 4.2 4.2 Overall capital requirements 13.6 13.5 13.2 13.2 13.2 CET1 available after meeting the total SREP own funds requirements 14.8 14.8 14.3 12.1 14.6 Leverage ratio Total exposure measure 1 472 220 1 506 891 1 476 105 1 335 830 1 490 150 Leverage ratio, % 8.6 8.6 8.8 9.2 8.9 Additional own funds requirements to address the risk of excessive leverage as a percentage of total exposure measure Additional own funds requirements to address the risk of excessive leverage of which: to be made up of CET1 capital Total SREP leverage ratio requirements 3.0 3.0 3.0 3.0 3.0 Leverage ratio buffer and overall leverage ratio requirement as a percentage of total exposure measure Leverage ratio buffer requirement Overall leverage ratio requirement 3.0 3.0 3.0 3.0 3.0 Liquidity coverage ratio¹ Total high-quality liquid assets, average weighted value 472 461 491 189 505 869 516 737 538 289 Cash outflows, total weighted value 430 743 443 288 457 221 468 478 478 205 Cash inflows, total weighted value 61 328 60 117 61 399 60 558 57 533 Total net cash outflows, adjusted value 369 415 383 171 395 822 407 919 420 672 Liquidity coverage ratio, % 128.0 128.2 127.8 126.6 128.6 Net stable funding ratio Total available stable funding 1 089 274 1 057 771 1 079 213 1 068 437 1 113 218 Total required stable funding 667 948 659 420 635 213 624 479 612 355 Net stable funding ratio, % 163.1 160.4 169.9 171.1 181.8 1) High quality liquid assets and cashflows refer to the average of the values at each month-end during the last 12 months. The ratio is calculated as an average of the 12 last month-end observations.

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Swedbank – Interim report Third quarter│2026│57 Risk exposure amount 30 Sep 31 Dec 30 Sep Parent company, SEKm 2026 2025 2025 Credit risks, standardised approach 170 268 258 121 230 793 Credit risks, IRB 247 384 239 507 242 926 Default fund contribution 286 260 278 Settlement risks 0 0 0 Market risks 15 434 13 581 15 493 Credit value adjustment 3 586 2 724 2 953 Operational risks 100 495 100 495 88 944 Additional risk exposure amount, Article 3 CRR 0 200 300 Additional risk exposure amount, Article 458 CRR 23 439 12 164 12 898 Total 560 891 627 051 594 585 SEKm % Capital requirements¹ 30 Sep 31 Dec 30 Sep 30 Sep 31 Dec 30 Sep Parent company, SEKm / % 2026 2025 2025 2026 2025 2025 Capital requirement Pillar 1 70 311 76 605 72 375 12.5 12.2 12.2 of which Buffer requirements² 25 439 26 441 24 808 4.5 4.2 4.2 Capital requirement Pillar 2³ 5 889 6 333 6 005 1.1 1.0 1.0 Total capital requirement including Pillar 2 guidance 76 200 82 939 78 380 13.6 13.2 13.2 Own funds 159 013 146 487 156 786 0 0 0 1) Swedbank's calculation based on the SFSA's announced capital requirements, including Pillar 2 requirements and Pillar 2 guidance. 2) Buffer requirements includes capital conservation buffer, countercyclical capital buffer and systemic risk buffer. 3) Individual Pillar 2 requirement according to decision from SFSA SREP 2026. SEKm % Leverage ratio requirements¹ 30 Sep 31 Dec 30 Sep 30 Sep 31 Dec 30 Sep Parent company, SEKm / % 2026 2025 2025 2026 2025 2025 Leverage ratio requirement Pillar 1 44 167 40 075 44 705 3.0 3.0 3.0 Total leverage ratio requirement including Pillar 2 guidance 44 167 40 075 44 705 3.0 3.0 3.0 Tier 1 capital 127 205 122 829 132 493 0 0 0 1) Swedbank's calculation based on the SFSA's announced leverage ratio requirements, including Pillar 2 requirements and Pillar 2 guidance.

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Swedbank – Interim report Third quarter│2026│58 Alternative performance measures Swedbank prepares its financial statements in accordance with IFRS as adopted by the EU, as set out in Note 1. The interim report includes a number of alternative performance measures (APM), which exclude certain items that management believes are not representative of the underlying/ongoing performance of the business. Therefore, the alternative performance measures provide more comparative information between periods. These measures are not directly regulated by IFRS Accounting Standards. Management believes that inclusion of these measures provides more information to the readers that enable comparability between periods. They are also used by Group Management for internal governance and operating segment performance management purposes. For periods shorter than one year, the key figure is annualised. Allocated equity Allocated equity is the operating segment’s equity measure. The Group’s equity attributable to shareholders is allocated to each operating segment based on capital adequacy rules and estimated capital requirements based on the bank’s internal Capital Adequacy Assessment Process (ICAAP). The allocated equity amounts per operating segment are reconciled to the Group Total equity, the nearest IFRS measure, in Note 4. Cost/Income ratio adjusted Total expenses, excluding extraordinary costs specified in the adjustment table on pages 7 and 8, in relation to total income. Total expenses excluding extraordinary costs is reconciled to Total expenses, the nearest IFRS measure, on pages 7 and 8. Income statement adjusted Amounts related to expenses are presented excluding extraordinary costs specified in the adjustment table on pages 7 and 8. The amounts are reconciled to the relevant IFRS income statement lines on pages 7 and 8. Net interest margin Calculated as Net interest income, annualised, in relation to average total assets excluding trading related assets. The average is calculated using month-end figures 1, including the prior year end. The key figure expresses the difference, the margin, between the percentage return on non-trading assets and the costs of financing. The nearest IFRS measure is Net interest income and can be reconciled in Note 5. Return on allocated equity Calculated based on profit for the period attributable to the shareholders for the operating segment, annualised, in relation to average allocated equity for the operating segment. The average is calculated using month-end figures 1, including the prior year end. The allocated equity amounts per operating segment are reconciled to the Group Total equity, the nearest IFRS measure, in Note 4. Return on equity adjusted Calculated based on profit for the period (annualised) attributable to the shareholders, excluding extraordinary costs specified in the adjustment table on pages 7 and 8, in relation to average equity attributable to shareholders’ of the parent company. The average is calculated using month-end figures1, including the prior year end. Profit for the period attributable to shareholders, excluding extraordinary costs specified in the adjustment table on pages 7 and 8, is reconciled to Profit for the period allocated to shareholders, the nearest IFRS measure, on pages 7 and 8.

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Swedbank – Interim report Third quarter│2026│59 Other alternative performance measures These measures are defined in the Factbook on page 79 and are calculated from the financial statements without adjustment.  Share of Stage 1 loans, gross  Share of Stage 2 loans, gross  Share of Stage 3 loans, gross  Equity per share  Cost/Income ratio  Credit Impairment ratio  Loans to customers/Deposits from customers ratio  Credit impairment provision ratio Stage 1 loans  Credit impairment provision ratio Stage 2 loans  Credit impairment provision ratio Stage 3 loans  Return on equity1  Total credit impairment provision ratio 1) The month-end figures used in the calculation of the average can be found on page 7 3 of the Factbook.

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Swedbank – Interim report Third quarter│2026│60 Signatures of the Board of Directors and the President The Board of Directors and the President hereby certify that the Interim report for January-September 2026 provides a fair and accurate overview of the operations, position and results of the parent company and the Group and describes the significant risks and uncertainties faced by the parent company and the companies in the Group. Stockholm, 21 October 2026 Göran Persson Biörn Riese Chair Deputy Chair Göran Bengtsson Annika Creutzer Kerstin Hermansson Board Member Board Member Board Member Rikard Josefson Helena Liljedahl Anna Mossberg Board Member Board Member Board member Per Olof Nyman Biljana Pehrsson Rasmus Roos Board Member Board Member Board Member Roger Ljung Åke Skoglund Board Member Board Member Employee Representative Employee Representative Jens Henriksson President and CEO

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Swedbank – Interim report Third quarter│2026│61 This is a translation of the Swedish language original. In the event of any differences between this translation and the Swedish language original, the latter shall prevail. Review report To the Board of Directors of Swedbank AB (publ) registration no. 502017-7753 Introduction We have reviewed the condensed interim financial information (interim report) of Swedbank AB (publ) as of 30 September 2026 and the nine-month period then ended. The Board of Directors and the CEO are responsible for the preparation and presentation of the interim financial information in accordance with IAS 34 and the Annual Accounts Act for credit institutions and securities companies. Our responsibility is to express a conclusion on this interim report based on our review. Scope of Review We conducted our review in accordance with the International Standard on Review Engagements ISRE 2410, Review of Interim Report Performed by the Independent Auditor of the Entity. A review consists of making inquiries, primarily of persons responsible for financial and accounting matters, and applying analytical and other review procedures. A review is substantially less in scope than an audit conducted in accordance with International Standards on Auditing, ISA, and other generally accepted auditing standards in Sweden. The procedures performed in a review do not enable us to obtain assurance that we would become aware of all significant matters that might be identified in an audit. Accordingly, we do not express an audit opinion. Conclusion Based on our review, nothing has come to our attention that causes us to believe that the interim report is not prepared, in all material respects, in accordance with IAS 34 and the Annual Accounts Act for credit institutions and securities companies, regarding the Group, and with the Annual Accounts Act for credit institutions and securities companies, regarding the Parent Company. Stockholm, 22 October 2026 Öhrlings PricewaterhouseCoopers AB Helena Kaiser de Carolis Johan Brobäck Authorised Public Accountant Authorised Public Accountant Auditor in charge

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Swedbank – Interim report Third quarter│2026│62 Publication of financial information The Group’s financial reports can be found on www.swedbank.com/ir Financial calendar 2026 Year-end report 2026 27 January 2027 Annual report 2026 25 February 2027 Annual General Meeting 7 April 2027 Financial calendar 2027 Interim report for the first quarter 2027 28 April 2027 Interim report for the second quarter 2027 16 July 2027 Interim report for the third quarter 2027 27 October 2027 For further information, please contact: Jens Henriksson President and CEO Telephone +46 8 585 934 82 Jon Lidefelt CFO Telephone +46 8 585 939 45 Maria Caneman Head of Investor Relations Telephone +46 72 238 32 10 Erik Ljungberg Head of Brand and Communication Telephone +46 73 988 35 57 Information on Swedbank’s strategy, values and share is also available on www.swedbank.com. Swedbank AB (publ) Registration no. 502017-7753 Head office Visiting adress: Landsvägen 40 172 63 Sundbyberg Postal address: Swedbank AB SE-105 34 Stockholm, Sweden Telephone +46 8 585 900 00 www.swedbank.com

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