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SBAB Bank (SBAB) investor relations material
SBAB Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary16 Jul, 2025
Executive summary
Operating profit for Q2 2025 decreased to SEK 671m from SEK 710m, mainly due to lower net interest income, partially offset by lower credit losses.
Net interest income fell to SEK 1,258m, driven by reduced lending margins, especially for mortgages.
Total lending grew marginally by 0.1% to SEK 540.9bn, while deposits increased by 2.8% to SEK 262.3bn.
Return on equity was 9.3% for Q2 and 9.7% for H1 2025, down from 10.1% and 11.3% respectively year-over-year.
The cost/income ratio rose to 38.0% in Q2 from 35.4% in Q1, reflecting higher personnel and marketing costs.
Financial highlights
Net interest income for H1 2025 was SEK 2,593m, down 4.9% year-over-year.
Operating profit for H1 2025 was SEK 1,381m, a 10.4% decrease year-over-year.
Net credit losses for H1 2025 were positive SEK 20m, compared to negative SEK 44m last year.
Total lending increased 2.5% year-over-year; total deposits rose 8.7% year-over-year.
The core tier 1 capital ratio improved to 14.5% from 12.1% year-over-year.
Outlook and guidance
Growth in the mortgage market remains subdued, with annual market growth at 2.1% as of May and full-year forecast at around 3%.
The company aims for a return on equity of at least 10% and a cost/income ratio below 30% by 2030.
The total funding need for 2025 is estimated at SEK 90bn, with continued focus on stable liquidity and capital positions.
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Frequently asked questions
SBAB Bank AB is a bank owned by the Swedish state. The bank is focused on providing financial products and services, emphasizing better housing and household finances. Its offerings include loans, savings products, and other services targeting private individuals, tenant-owner associations, and property companies within Sweden. SBAB is particularly recognized for its retail business area, which delivers services related to housing and household finances, including savings and loan products, insurance mediation, as well as housing search and real estate agent services. A cornerstone of its product line is residential mortgages, supplemented with savings accounts. The company is headquartered in Stockholm, Sweden, and its shares are not publicly listed.
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