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SBAB Bank (SBAB) investor relations material
SBAB 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
Lending and deposit growth continued, mainly driven by residential mortgages and corporate deposits, despite ongoing margin pressure and slower revenue growth.
Asset quality remained strong with net reversals in Q3, confirmed by EBA stress test and reduced capital requirements.
Operating profit rose to SEK 707m in Q3, mainly due to higher net interest income and lower costs.
Costs decreased in Q3, primarily from lower consulting and marketing expenses.
Positive development in deposit volumes, though growth slowed in a lower rate environment.
Financial highlights
Lending increased 0.7% QoQ and 1.8% YoY to SEK 544.5bn; deposits rose 1.0% QoQ and 6.8% YoY to SEK 264.8bn.
Net interest income grew 1.6% QoQ to SEK 1,278m but declined 2.0% YoY for Jan–Sep 2025.
Operating profit up 5.4% QoQ to SEK 707mn, but down 3.7% YoY for Jan–Sep 2025.
Cost/income ratio improved to 35.3% in Q3, down 2.7 percentage points QoQ.
Return on equity at 9.6% in Q3, up 0.3 percentage points sequentially.
Outlook and guidance
Focus on cost management intensified due to prolonged mortgage margin compression and slower revenue growth.
Management expects continued high competition and margin pressure in the mortgage market, with limited credit growth in the near to medium term.
Guidance for 2025 funding at approximately SEK 90bn, with most funding completed by end of Q3.
Swedish economic recovery is expected to continue, with GDP growth forecast at 1% for 2025.
Riksbank’s rate cut to 1.75% is expected to support housing market activity and loan growth.
What actions address mortgage margin pressure?
How does SBAB balance market share growth vs. profitability?
What is the impact of the new LGD model and SREP?
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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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