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SBAB Bank (SBAB) investor relations material
SBAB Bank has been private
SBAB Bank Investor Presentation summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor Presentation summary23 Oct, 2025
Business overview and strategy
Focuses on collateralized lending in Sweden, mainly residential mortgages, with a strong digital presence and no traditional branches.
Fifth largest mortgage player in Sweden, with SEK 545 bn in total lending and SEK 265 bn in deposits as of Q3 2025.
Strategic goals to 2030 include ≥10% return on equity, ≥40% customer satisfaction, and a cost/income ratio below 30%.
High customer satisfaction, ranking first in SKI surveys for both private and corporate lending segments.
Strong brand awareness and value proposition based on accessibility, transparency, and consideration.
Financial performance and targets
Return on equity at 9.6% and CET1 capital ratio at 14.8% as of Q3 2025, both above long-term targets.
Net interest income for Jan–Sep 2025 was SEK 3,871 mn, down 2% YoY, mainly due to lower deposit margins.
Cost/income ratio at 36.2% for Jan–Sep 2025, with ongoing investments in IT, digitalization, and regulatory compliance.
Credit loss ratio remains low at 0.01%, reflecting a low-risk, collateralized loan book.
Increased funding needs in 2025, with SEK 90 bn planned issuance, up from SEK 35 bn in 2024.
Credit portfolio and asset quality
Lending portfolio is 69% residential mortgages (average LTV 59%), 19% property companies, and 11% tenant-owner associations.
Asset quality remains strong, with a 0.12% share of stage 3 loans and prudent underwriting standards.
Cover pool for covered bonds is SEK 420 bn, with a weighted average LTV of 53.9%.
Stress tests confirm resilience, with minimal CET1 impact in adverse scenarios.
Detail the strategy for 2025's SEK 90bn funding need
How will SBAB achieve its 2030 C/I target?
How to bridge the 2.5% to 50% emission reduction?
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Q4 202513 Feb, 2026
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Frequently asked questions
SBAB Bank AB is a bank owned by the Swedish state. The bank is focused on providing financial products and services, emphasizing better housing and household finances. Its offerings include loans, savings products, and other services targeting private individuals, tenant-owner associations, and property companies within Sweden. SBAB is particularly recognized for its retail business area, which delivers services related to housing and household finances, including savings and loan products, insurance mediation, as well as housing search and real estate agent services. A cornerstone of its product line is residential mortgages, supplemented with savings accounts. The company is headquartered in Stockholm, Sweden, and its shares are not publicly listed.
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