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Landshypotek Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Feb, 2026
Executive summary
Achieved robust growth in both mortgage and farming lending, reinforcing a market-leading position in agricultural finance.
Net profit for the year rose to SEK 502 million, driven by increased customer base, higher lending, and improved deposit margins.
Customer satisfaction remained high, with top rankings in the Swedish Quality Index for mortgage banks.
Adopted a new strategy to broaden offerings and enhance customer value, aiming to outpace market growth.
Financial highlights
Operating profit increased to SEK 502 million (489), and net interest income rose to SEK 1,158 million (1,124) year-over-year.
Loans to the public grew to SEK 118.2 billion (111.1), while deposits from the public decreased to SEK 25.9 billion (27.1).
Costs increased to SEK 621 million (603), mainly due to inflation and higher investment pace.
Net credit losses impacted earnings by SEK 14 million (4), with actual losses remaining low and limited to a few counterparties.
Q4 operating profit was SEK 102 million (148), affected by seasonal cost variations.
Outlook and guidance
Expectation of increased market activity due to stabilizing interest rates and economic recovery.
Continued investment in new products, digital services, and broader market reach to drive future growth.
Board adopted a new strategy in Q4 2025, with organizational changes effective February 2026 to support strategic goals.
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Next Landshypotek Bank earnings date
Q1 20266 May, 2026
Landshypotek Bank
Next Landshypotek Bank earnings date
Q1 20266 May, 2026
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Frequently asked questions
Landshypotek Bank is a specialized financial institution in Sweden, focusing on providing competitive funding solutions for the agriculture and forestry sectors. Established in 1836, the bank has a long history of supporting rural living and investments in these industries. Landshypotek Bank operates with a cooperative model, where farming and forestry borrowers become members of the Landshypotek Economic Association, making them part owners of the bank. This structure enables profits to be returned to its members, fostering a circular economy that benefits local food production and sustainable forest management. The bank serves a diverse customer base that includes companies and entrepreneurs within agriculture and forestry, individuals living in farming and forestry properties, as well as homeowners and savers. The company is headquartered in Stockholm, Sweden, and its shares are listed on the Stockholm Stock Exchange.
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