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Landshypotek Bank (LHB) investor relations material

Landshypotek Bank Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary21 Jul, 2025

Executive summary

  • Market-leading, low-risk agriculture and forestry bank with 24% market share and sustainability integrated into strategy.

  • Lending volumes grew by SEK 10 billion year-over-year, reaching SEK 115.7 billion, with SEK 2 billion growth in the last quarter, outpacing a cautious market.

  • Profits are reinvested or returned to agriculture and forestry sectors.

  • 99.8% of loan portfolio is first-lien mortgages; average LTV is 44%.

  • Credit quality remains strong, with minimal credit losses and no net provisions or losses in Q2.

Financial highlights

  • Net interest income for Q2 2025 was SEK 283m, up from SEK 268m in Q2 2024; H1 2025 net interest income was SEK 560m.

  • Operating profit for Q2 2025 was SEK 128m, up from SEK 112m in Q2 2024; H1 2025 operating profit was SEK 252m.

  • Total income for Q2 2025 was SEK 292m; total expenses increased to SEK 165m.

  • Credit losses for Q2 2025 were SEK 0m; H1 2025 credit losses SEK 7m (0.03%).

  • Loans to the public at period end were SEK 115.7bn, up from SEK 105.6bn year-over-year.

Outlook and guidance

  • Focus on growth with new and existing customers, especially in retail (agriculture and residential), and further development of digital services.

  • Continued integration of ESG risks into risk management and credit assessment.

  • Ongoing development of transition financing for agriculture, forestry, and residential mortgage customers.

  • Management remains cautious due to global and political uncertainty but expects continued growth based on a solid liquidity and capital base.

  • Customers, especially in farming and forestry, are optimistic and planning further investments.

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Q3 202527 Oct, 2025
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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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