Investors

S-Bank is a Finnish bank that wants to make it possible for everyone to have a little more wealth, regardless of how much money they have to start with. We specialise in understanding both the economy and people: as part of S Group, we know the daily lives of our 3.1 million customers. We are reforming the banking business by offering superior ease and benefits to customers by combining the services or our bank and S Group stores.

We want to be a fair partner and make banking easy and uncomplicated for our customers. We serve our customers online, over the phone, in social media channels and in S-mobiili, the application that conveniently combines banking and commercial services. The daily banking can also be conveniently handled S Group outlets with long opening hours. Cash withdrawals and deposits are possible at the checkouts of more than 1,000 S Group outlets.

The owners of S-Bank are SOK Group (37.5%), the regional co-operatives in the S Group (37.5%), LocalTapiola Insurance (10%), LocalTapiola Life (3.5%), the regional LocalTapiola insurance companies (10%) and Elo Mutual Pension Insurance Company (1.5%).

S-Bank is in the process of launching mortgage banking operations and looking into the possibilities of raising funding from the markets through bonds.

Investment materials 

Credit Rating

On 22 January 2021, credit rating agency Standard & Poor's (S&P) published its report on S-Bank. The credit rating of long-term borrowing is BBB, that of short-term borrowing is A-2, and the outlook is stable.

S&P Research Update 22.1.2021 (PDF, 140 kt)

S&P Full analysis 20.10.2020 (PDF, 140 kt)

S&P Research Update 31.7.2020 (PDF, 131 kt)

Bond programme

Click to proceed