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SBAB Bank
SBAB Bank (SBAB) investor relations material
SBAB Bank has been private
SBAB Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary13 Feb, 2026
Executive summary
Founded in 1985, 100% owned by the Kingdom of Sweden, and the 5th largest mortgage player in Sweden, focusing on residential mortgages and related savings products.
Business model centers on collateralized lending, with a strong digital presence and no traditional branches.
Total lending increased by 1.3% year-over-year to SEK 544.9bn, while deposits grew 3.4% to SEK 264.7bn.
Operating profit for the year declined 4.7% to SEK 2,764mn, mainly due to lower net interest income and higher costs.
Strategic goals for 2030 include ≥10% ROE, 10% market share in residential mortgages, and a 50% reduction in emissions intensity.
Financial highlights
Net interest income declined 2.8% to SEK 5,141mn due to compressed margins; operating profit fell 4.7% to SEK 2,764mn.
Costs increased 1.0% to SEK 1,927mn, driven by higher personnel expenses.
Credit loss ratio remained very low at 0.01% for 2025; net credit losses were positive at SEK 57mn.
CET1 capital ratio improved to 14.2% at year-end 2025, well above the regulatory requirement.
Liquidity coverage ratio (LCR) at year-end was 225%, and NSFR was 128%.
Outlook and guidance
Funding needs for 2025 were approximately SEK 90bn, expected to decrease to SEK 70bn in 2026.
Lending growth is expected to accelerate in 2026 as the economy and housing market recover, supported by low interest rates and regulatory changes.
Updated financial targets from 2026: ROE ≥10%, CET1 capital ratio 1-3% above regulatory requirement, and ordinary dividend payout of 20-40% of profit.
Long-term management targets include a cost/income ratio below 30% by 2030.
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Next SBAB Bank earnings date
Q1 202628 Apr, 2026
SBAB Bank
Next SBAB Bank earnings date
Q1 202628 Apr, 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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