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Skandiabanken (SBANK) investor relations material

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Skandiabanken Q4 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q4 2025 earnings summary12 Feb, 2026

Executive summary

  • Premiums for January–September 2025 totaled SEK 33.7 billion, a slight decrease from SEK 33.9 billion year-over-year.

  • Assets under management reached SEK 877 billion, up from SEK 863 billion at year-end.

  • The traditional life portfolio delivered a total return of 3.2% for the first nine months, with a five-year average of 6.0%.

  • The solvency ratio in the life company was 206%, up from 205% at year-end.

  • The group maintained stability despite ongoing geopolitical tensions, inflation, and weak growth.

Financial highlights

  • Premiums for traditional management were SEK 17.1 billion, for fund and deposit insurance SEK 13.5 billion, and for health and safety SEK 3.1 billion.

  • Assets under management in the life company totaled SEK 623 billion, up from SEK 617 billion at year-end.

  • Fund and deposit insurance assets under management were SEK 206 billion.

  • Mortgage volume in the bank segment increased to SEK 113 billion from SEK 111 billion at year-end.

Outlook and guidance

  • Signs of improved market prospects for unlisted companies are emerging.

  • Riksbank’s rate cut in September is expected to support further recovery in the Swedish housing market.

  • Continued focus on long-term security and sustainable returns, with ongoing investments in climate solutions.

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Frequently asked questions

Skandiabanken AB, operating under the parent company Skandia, is a Swedish online bank that offers a wide range of financial products and services. Established in 1994, the bank focuses primarily on retail banking. It provides current accounts, payment cards, deposit accounts, consumer loans, and insurance products, catering to both private and business customers. The company is headquartered in Stockholm, Sweden.

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