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Sparbanken Skåne (SK) investor relations material
Sparbanken Skåne Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Operating profit for Q3 2025 was SEK 341 million, down from SEK 356 million in Q2 2025, with a stable financial position despite a challenging macroeconomic environment.
Net interest income increased slightly to SEK 512 million, while net commission income rose to SEK 133 million, mainly due to higher securities commissions.
Costs excluding credit losses decreased, mainly due to lower personnel and consulting expenses.
The bank updated its green bond framework, aligning further with EU taxonomy and expanding green lending criteria.
Business volume grew to SEK 271 billion, up 1.6% since mid-year, driven by increased lending and positive securities market performance.
Financial highlights
Q3 2025 operating profit: SEK 341 million (Q2: SEK 356 million); net interest income: SEK 512 million (Q2: SEK 507 million); net commission income: SEK 133 million (Q2: SEK 124 million).
Costs excluding credit losses: SEK -303 million (Q2: SEK -328 million); credit losses: SEK -2 million (Q2: SEK 45 million).
January–September 2025: operating profit SEK 1,075 million (Jan–Sep 2024: SEK 1,369 million); net interest income SEK 1,537 million (Jan–Sep 2024: SEK 1,817 million).
Net commission income for Jan–Sep 2025: SEK 400 million (Jan–Sep 2024: SEK 411 million).
Business volume at period end: SEK 271 billion (Jan–Sep 2024: SEK 263 billion).
Outlook and guidance
Economic recovery in Sweden is expected to be slow, with a turnaround not anticipated until 2027.
Riksbanken's rate cut to 1.75% and government fiscal stimulus are expected to support households and potentially spur a recovery by late 2025.
The bank remains well-positioned to support customers and maintain financial stability, with a focus on sustainable growth and green transition.
What caused the significant LCR drop in Q3?
Explain CRRIII's impact on REA and risk weight floor.
Detail green lending growth and future focus.
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Next Sparbanken Skåne earnings date
Q4 202529 Jan, 2026
Next Sparbanken Skåne earnings date
Q4 202529 Jan, 2026
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Frequently asked questions
Sparbanken Skåne AB (publ) is a Swedish regional retail banking institution, offering a broad range of financial products and services. These include current and savings accounts, credit and debit cards, pension plans, various loan types (consumer, car, and mortgage), as well as funds. The bank primarily serves private individuals, companies, associations, and organizations within local municipalities. Sparbanken Skåne is headquartered in Lund, Sweden.
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