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Länsförsäkringar Bank (LB) investor relations material
Länsförsäkringar Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary23 Oct, 2025
Executive summary
Operating profit for January–September 2025 declined 9% year-over-year to SEK 1,719 million, with return on equity at 7.9% (down from 9.0%).
Net interest income fell 12% to SEK 4,377 million, mainly due to a lower investment margin from reduced market interest rates.
Net commission income (excluding regional insurance company remuneration) rose 7% to SEK 1,360 million, driven by fund and card business.
Operating income increased 5% to SEK 4,510 million, while operating expenses rose 20% (10% excluding last year’s VAT recovery effect).
The acquisition of SAVR AB was completed, strengthening the digital savings offering.
Financial highlights
Business volumes grew 5% year-over-year to SEK 1,047 billion, with lending up 5% to SEK 419 billion and deposits up 6% to SEK 162 billion.
Fund volumes increased 4% to SEK 466 billion, supported by net inflows and positive market trends.
Credit losses decreased to SEK 115 million (from SEK 161 million), with a credit loss level of 0.03% (0.05%).
Cost/income ratio before credit losses and fees levied was 0.52 (0.46), and after these items 0.62 (0.56).
Common Equity Tier 1 capital ratio for the consolidated situation was 14.9% (15.0% as of June 2025).
Outlook and guidance
The Swedish economy remains weak but shows signs of recovery; the Riksbank lowered its policy rate to 1.75% and signaled the end of the rate cut cycle.
The bank expects continued stable earnings and business volume growth, with a focus on digital savings and customer experience.
What is the outlook for investment margin recovery?
How will IT development costs impact future expenses?
Mitigation strategy for IRB model update risk?
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Next Länsförsäkringar Bank earnings date
Q4 202511 Feb, 2026
Next Länsförsäkringar Bank earnings date
Q4 202511 Feb, 2026
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Frequently asked questions
Länsförsäkringar Bank, established in 1996, is a Swedish retail bank that forms part of the Länsförsäkringar Alliance, a group known for its operations in banking and insurance within Sweden. The bank caters to both individual and business clients, offering a comprehensive suite of products and services. These include current and savings accounts, debit and credit cards, investment funds, consumer and mortgage loans, business loans, and insurance products. Its operations extend across Sweden, serving clients through both direct channels, such as branch and online banking, and indirect ones. The bank is headquartered in Stockholm, and its shares are not publicly listed as it is a part of the customer-owned Länsförsäkringar group.
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