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Landshypotek Bank
Landshypotek Bank (LHB) investor relations material
Landshypotek Bank has been private
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
Market leader in agriculture and forestry lending with a 24% market share and robust growth in both mortgage and farming lending, reinforcing a market-leading position in agricultural finance.
Net profit for 2025 rose to SEK 502 million, driven by increased customer base, higher lending, and improved deposit margins.
99.8% of the loan portfolio is first-lien mortgages; average LTV is 44%; 99% of customers have personal liability.
Profits are reinvested or returned to the agriculture and forestry sectors, supporting sustainable governance.
Customer satisfaction remained high, with top rankings in the Swedish Quality Index for mortgage banks.
Financial highlights
Net interest income increased in 2025 due to higher lending volumes, reaching SEK 1,158 million (1,124 in 2024).
Total lending grew 7% year-over-year to SEK 118.2bn; lending to agriculture up 4%, mortgage lending up 15%.
Operating profit for 2025 was SEK 502m, up SEK 13m from 2024.
Credit losses for 2025 were SEK 14m (0.012%), up from SEK 3.7m in 2024, with actual losses limited to a few counterparties.
Cost/income ratio remained stable at 0.53.
Outlook and guidance
Focus on growing with new and existing customers, especially in retail (agriculture and residential), and expectation of increased market activity due to stabilizing interest rates and economic recovery.
Plans to increase green bond issuance by 50% by 2030 from 2024 levels.
Continued investment in sustainability, efficiency improvements, new products, and digital services.
Board adopted a new strategy in Q4 2025, with organizational changes effective February 2026 to support strategic goals.
New strategy: growth segments and targets
Basel IV impact on capital ratios
Credit quality outlook given macro trends
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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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