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Sparbanken Skåne (SK) investor relations material
Sparbanken Skåne Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary11 Aug, 2025
Executive summary
Operating profit for Q2 2025 was SEK 356m, down from SEK 378m in Q1; H1 2025 profit was SEK 734m, down from SEK 929m year-over-year.
Net interest income decreased to SEK 507m in Q2 and SEK 1,025m for H1, mainly due to lower market interest rates.
Expenses excluding credit losses increased, mainly from higher personnel and consulting costs.
Credit losses had a positive impact, with SEK 45m in Q2 and SEK 69m for H1, reflecting improved macroeconomic conditions.
Business volume grew to SEK 267bn, with increased deposit and loan volumes, especially in residential mortgages.
Financial highlights
Net fee and commission income fell to SEK 124m in Q2 and SEK 267m for H1, mainly due to lower securities and loan commissions.
Cost/income ratio before credit losses rose to 0.49 in Q2 from 0.47 in Q1; return on equity was 10.9% in Q2, down from 11.4% in Q1.
Allowance ratio for stage 3 loans decreased to 18% from 21% at year-end.
Loan loss ratio increased to 0.07% in Q2 from 0.02% in Q1.
CET1 and total capital ratios improved to 29.1% from 24.4% at year-end.
Outlook and guidance
Swedish economy remains in recession, with recovery expected to begin in H2 2025 but to remain weak into 2026.
Uncertainty persists due to global political turbulence, trade policy, and geopolitical conflicts.
The bank expects continued modest lending growth and increased deposit volumes, with a focus on sustainability and climate targets.
What's the target for climate neutrality?
Explain expert adjustments to allowances.
What factors drive changes in REA?
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Next Sparbanken Skåne earnings date
Q3 202529 Oct, 2025
Next Sparbanken Skåne earnings date
Q3 202529 Oct, 2025
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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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