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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
SBAB Bank
SBAB Bank (SBAB) investor relations material
SBAB Bank has been private
SBAB Bank Investor presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor presentation summary23 Oct, 2026
Business model and growth
Founded in 1985 and 100% owned by the Kingdom of Sweden; fifth-largest Swedish mortgage lender with a low-risk residential portfolio.
Online and telephone retail service, complemented by Booli housing and household-finance services; corporate lending focuses on property companies, housing developers and tenant-owner associations.
Customer satisfaction ranked #1 for residential mortgages for seven consecutive years and property loans for eight consecutive years.
Lending reached SEK 550.8bn at 30 Sep 2026, up 1.1% YoY; deposits were SEK 277.0bn, up 4.6% YoY.
Credit portfolio and asset quality
Residential mortgages were SEK 386.8bn, or 70.2% of lending, with average LTV of 60%; property companies were SEK 98.8bn at 58% LTV and tenant-owner associations SEK 60.2bn at 31% LTV.
Jan–Sep 2026 credit losses were SEK 12mn, with a 0.00% credit loss ratio; Stage 3 loans were 0.15% at 30 Sep 2026.
Underwriting includes stressed-rate affordability assessments; mortgage lending is concentrated in Swedish metropolitan, university and growth regions.
Covered-bond pool had SEK 395.5bn of cover assets and a 33.1% overcollateralisation ratio; additional eligible lending of SEK 141.4bn could be transferred into the pool.
Financial performance
Jan–Sep 2026 operating profit was SEK 2.059bn and ROE was 9.7%; net interest income fell 2.8% YoY as lending margins remained compressed.
Jan–Sep costs declined 2.9% YoY despite continued investment; C/I ratio was 35.9%, down 0.3 pp YoY.
Q3 2026 net interest income was SEK 1.201bn, down 5.5% QoQ; NIM was 0.72%.
Q3 ROE was 8.9% and C/I ratio 38.4%; low credit losses and cost discipline supported profitability amid lower rates and margin pressure.
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Latest events from SBAB Bank
- Lending and deposits grew, but margin pressure reduced Q3 profit.SBAB
Q3 2026 - Low-risk lender with strong growth, robust capital, and ambitious sustainability targets.SBABInvestor presentation
- Operating profit declined on lower net interest and higher costs, but capital and credit quality remain strong.SBABQ2 2026
- Strong digital mortgage lender with high returns, low risk, and ambitious sustainability goals.SBABInvestor presentation
- Profit rose 12% to SEK 759m on lower costs, with stable lending and strong capital ratios.SBABQ1 2026
- Profit fell on lower margins and higher costs, but capital and credit quality remained strong.SBABQ4 2025
- Strong lending growth, robust asset quality, and leadership in green finance with solid capital ratios.SBABInvestor Presentation
- Strong growth, high asset quality, and ambitious sustainability drive performance in 2024.SBABInvestor Presentation
- Lending and deposits rose, but profit declined as costs increased and margins narrowed.SBABQ2 2024
Next SBAB Bank earnings date
Q4 20263 Feb, 2027
SBAB Bank
Next SBAB Bank earnings date
Q4 20263 Feb, 2027
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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.