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Skandiabanken (SBANK) investor relations material
Skandiabanken Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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.
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