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Skandiabanken (SBANK) investor relations material
Skandiabanken Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Oct, 2025
Executive summary
Stable results for the first nine months of 2025, with increased mortgage applications and volumes in the last month of the quarter, supported by a policy rate cut from the Riksbank and signs of recovery in the Swedish housing market.
Maintained a top-three position in customer satisfaction according to Svenskt Kvalitetsindex, with high trust and perceived value among customers.
Mortgage volumes grew by 2% year-to-date, while deposits decreased by 1% during the quarter.
Financial highlights
Q3 2025 operating profit was 158 MSEK, up from 138 MSEK in Q2 2025; return on equity rose to 8.56% from 7.53%.
Q3 2025 revenues were 361 MSEK, down from 380 MSEK in Q2; net interest income fell to 318 MSEK from 338 MSEK.
Costs decreased to 203 MSEK from 240 MSEK, mainly due to lower personnel and IT expenses.
For Jan–Sep 2025, operating profit was 465 MSEK (down 8% year-over-year), with revenues up 1% to 1,136 MSEK and costs up 7% to 666 MSEK.
Net credit losses for Jan–Sep 2025 were -5 MSEK, compared to 4 MSEK in the same period last year.
Outlook and guidance
Gradual recovery expected in the Swedish housing market, supported by lower inflation, improved household finances, and potential easing of amortization requirements.
The policy rate is expected to remain at 1.75% for some time, with continued uncertainty due to global trade risks and domestic economic factors.
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Next Skandiabanken earnings date
Q4 202514 Feb, 2026
Next Skandiabanken earnings date
Q4 202514 Feb, 2026
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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.
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