)
Edge17 Oct 2025
A Castle in the Sky: The Story of Oracle
Oracle's journey from database innovator to disciplined enterprise backbone, now shaping the AI buildout with a standardized cloud infrastructure.
Skandiabanken (SBANK) investor relations material
Skandiabanken Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary18 Jul, 2025
Executive summary
Stable financial results and continued profitability in the first half of 2025, despite a challenging macroeconomic environment and intense mortgage market competition.
Mortgage rates were lowered due to a declining interest rate environment and a lower policy rate; deposit volumes increased while lending volumes slightly decreased.
Underlying earnings remain solid, with ongoing focus on simple, transparent, and sustainable banking services.
The bank published its first investor report on green assets, highlighting annual energy savings and reduced CO2 emissions.
Financial highlights
Q2 2025 operating profit was 138 MSEK, down from 169 MSEK in Q1 2025; return on equity was 7.53% (Q1: 9.48%).
Q2 2025 revenues were 380 MSEK (Q1: 395 MSEK); net interest income was 338 MSEK (Q1: 349 MSEK).
Costs increased to 240 MSEK in Q2 2025 (Q1: 223 MSEK), mainly due to higher personnel and IT-related expenses.
For H1 2025, operating profit was 307 MSEK (H1 2024: 335 MSEK); revenues rose 3% to 775 MSEK, while costs increased 9% to 463 MSEK.
Net credit losses for H1 2025 were -5 MSEK, compared to 11 MSEK in H1 2024.
Outlook and guidance
The bank remains well positioned for further growth, with a stable capital and liquidity situation.
Riksbanken's policy rate cut to 2.00% and potential further reductions may stimulate the economy and mortgage market activity.
Ongoing economic uncertainty and weak housing market conditions are expected to persist.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Skandiabanken earnings date
Q3 202521 Oct, 2025
Next Skandiabanken earnings date
Q3 202521 Oct, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research17 Oct 2025
Beneath the Surface: A Conversation with Epiroc CEO Helena Hedblom
Legacy, innovation, and leading one of Sweden's most influential industrial companies into a new era.
)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Frequently asked questions
Skandiabanken AB, operating under the parent company Skandia, is a Swedish online bank that offers a wide range of financial products and services. Established in 1994, the bank focuses primarily on retail banking. It provides current accounts, payment cards, deposit accounts, consumer loans, and insurance products, catering to both private and business customers. The company is headquartered in Stockholm, Sweden.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage