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Landshypotek Bank (LHB) investor relations material
Landshypotek Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary27 Oct, 2025
Executive summary
Market leader in agriculture and forestry lending with a 24% share and a low-risk, sustainability-focused business model.
Operating profit for Jan–Sep 2025 reached SEK 399 million, up from SEK 392 million year-over-year, and SEK 148 million for Q3, up from SEK 128 million sequentially.
Lending grew by SEK 9.4 billion year-over-year to SEK 116.5 billion, despite a weak market.
Profits are reinvested or returned to the agriculture and forestry sectors.
Credit losses remained marginal, with a negative impact of SEK 10 million for the period.
Financial highlights
Net interest income for Q3 2025 increased to SEK 276 million from SEK 269 million in Q3 2024.
Total income for Q3 2025 was SEK 285 million, up from SEK 274 million in Q3 2024.
Loans to the public increased to SEK 116.5 billion from SEK 107.1 billion year-over-year.
Year-to-date net profit stands at SEK 313 million, up from SEK 306 million in the prior year.
Costs for Jan–Sep 2025 totaled SEK 453 million, up from SEK 436 million year-over-year.
Outlook and guidance
The bank aims to grow with new and existing customers, focusing on retail (agriculture and residential) markets.
Plans to increase green lending by 50% by 2030 compared to 2024 levels.
Updated green bond framework, now including farming, is expected to support sustainability initiatives and capital market access.
Continues to publish annual sustainability reports inspired by CSRD/ESRS, despite no longer being formally required.
The bank remains well-capitalized and liquid, with a positive outlook for the remainder of 2025.
Green framework: market reception & impact?
Riksbank deposit: Q4 earnings impact?
Funding strategy given deposit decline?
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Next Landshypotek Bank earnings date
Q4 202530 Jan, 2026
Next Landshypotek Bank earnings date
Q4 202530 Jan, 2026
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Frequently asked questions
Landshypotek Bank is a specialized financial institution in Sweden, focusing on providing competitive funding solutions for the agriculture and forestry sectors. Established in 1836, the bank has a long history of supporting rural living and investments in these industries. Landshypotek Bank operates with a cooperative model, where farming and forestry borrowers become members of the Landshypotek Economic Association, making them part owners of the bank. This structure enables profits to be returned to its members, fostering a circular economy that benefits local food production and sustainable forest management. The bank serves a diverse customer base that includes companies and entrepreneurs within agriculture and forestry, individuals living in farming and forestry properties, as well as homeowners and savers. The company is headquartered in Stockholm, Sweden, and its shares are listed on the Stockholm Stock Exchange.
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