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Sparbanken Skåne
Sparbanken Skåne (SK) investor relations material
Sparbanken Skåne has been private
Sparbanken Skåne Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary29 Jan, 2026
Executive summary
Operating profit for 2025 was SEK 1,375 million, down from SEK 1,753 million in 2024, mainly due to lower net interest income following market rate cuts.
The bank maintained strong capital and liquidity positions, with a capital ratio of 29.3% and a liquidity coverage ratio of 348% at year-end.
Business volume increased by 4% to SEK 276 billion, driven by growth in lending, deposits, and savings.
The bank continued to focus on customer accessibility and value creation amid economic recovery and ongoing geopolitical uncertainties.
Sustainability efforts advanced, with a new climate target and continued recognition as a top workplace.
Financial highlights
Net interest income for 2025 was SEK 2,028 million, a 15% decrease year-over-year, primarily due to lower market rates.
Net commission income declined to SEK 534 million from SEK 549 million, mainly from lower lending commissions.
Costs excluding credit losses rose to SEK 1,264 million, up 4%, mainly due to higher personnel and IT expenses.
Credit losses had a positive impact of SEK 61 million, reflecting reduced provisions for expected losses.
Return on equity was 10.0% for 2025, in line with long-term targets.
Outlook and guidance
Economic recovery is expected to strengthen in 2026, with forecasts indicating further improvement in employment and business activity.
The bank remains well-positioned to support customers and maintain financial stability, despite ongoing global uncertainties.
Expert adjustments for credit losses: rationale?
Pillar 2 capital add-on risk from IRK models?
Achieving climate goals given current trends?
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Next Sparbanken Skåne earnings date
Q1 202629 Apr, 2026
Sparbanken Skåne
Next Sparbanken Skåne earnings date
Q1 202629 Apr, 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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