Investors
S-Bank is a Finnish bank and part of S Group. We exist to give everyone the possibility of a little more wealth. We have more than three million customers and we know their day-to-day life. We bring convenience and value to our customers through our easy-to-use digital services, for example. Being a full-service bank, we offer support to our customers every day and at the turning points in their lives.
S-Bank is owned by SOK Corporation and the regional co-operatives in the S Group.
Financial information
S-Bank publishes a financial statements release for the full year, an annual report, a half-year report for the first six months of the year, as well as interim reports for the first three and nine months of the year. The latest publication of S-Bank’s financial results is available below.
2024
S-Bank, Interim Report 1 January-30 September 2024 (PDF, 0.9 MB)
S-Bank, Half-year report 1 January–30 June 2024 (PDF, 1.9 MB)
S-Bank, Capital Adequacy Tables 30 June 2024 (XLSX, 38 kB)
S-Bank, Interim Report 1 January–31 March 2024 (PDF, 1.3 MB)
2023
S-Bank, Annual Report 2023 (PDF, 3.59 MB)
S-Bank, Annual Report 2023 ESEF (ZIP)
S-Bank, Capital and Risk Management Report 2023 (PDF, 812 kB)
S-Bank, Capital Adequacy Tables 31 December 2023 (XLSX, 312 kB)
S-Bank, Financial Statements Bulletin 2023 (PDF, 2.0 MB)
S-Bank, Interim Report 1 January–30 September 2023 (PDF, 2.5 MB)
S-Bank, Half-year report 1 January–30 June 2023 (PDF, 1.3 MB)
S-Bank, Capital Adequacy Tables 30 June 2023 (XLSX, 40 kB)
S-Bank, Interim Report 1 January–31 March 2023 (PDF, 2.9 MB)
Financial calendar
Interim Report January-September 2024: 7 November 2024 at 9.00 am. The publication will take place as as a stock exchange release.
In conjunction with the publication of the interim report, S-Bank will hold a webcast from 10.00 am to 11.00 am. The event will be held in English and it is intended for S-Bank's shareholders, institutional investors, analysts and the media.
Webcast can be joined via this link. Webcast is recorded and the recording will be available later on this page.
More information about Teams Live Events can be found from Microsoft website. Our privacy policy is available at s-pankki.fi/tietosuoja.
Interim report for January–September: 7 November 2024
Financial statements bulletin for 2024: 6 February 2025
Results webcasts
S-Bank Q3 2024 Results (PDF, 2.3 MB) | webcast recording
S-Bank H1 2024 Results (PDF, 4.0 MB) | webcast recording
S-Bank Q1 2024 Results (PDF, 1.4 MB) | webcast recording
S-Bank Q4 2023 Results (PDF, 1.9 MB) | webcast recording
S-Bank Q3 2023 Results (PDF, 2.1 MB) | webcast recording
S-Bank H1 2023 Results (PDF, 2.0 MB) | webcast recording
S-Bank Q1 2023 Results (PDF, 2.2 MB) | webcast recording
S-Bank Q4 2022 Results (PDF, 2.2 MB) | webcast recording
S-Bank Q3 2022 Results (PDF, 1.9 MB) | webcast recording
S-Bank Q2 2022 Results (PDF, 4.1 MB) | webcast recording
S-Bank Q1 2022 Results (PDF, 1.9 MB) | webcast recording
S-Bank Q4 2021 Results (PDF, 3.3 MB) | webcast recording
S-Bank Q3 2021 Results (PDF, 702 kB)
Credit ratings
S-Bank
On 28 June 2024, 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 Full Analysis 23 August 2024 (PDF, 1.1 MB)
S&P Research Update 28 June 2024 (PDF, 125 kB)
S&P Full Analysis 1 August 2023 (PDF, 1.11 MB)
S&P Research Update 29 June 2023 (PDF, 145 kB)
S&P Research Update 26 January 2023 (PDF, 132 kB)
S&P Full Analysis 22 September 2022 (PDF, 1.21 MB)
S&P Research Update 4 February 2022 (PDF, 161 kB)
S&P Full Analysis 25 August 2021 (PDF, 854 kB)
S&P Research Update 22 January 2021 (PDF, 140 kB)
S&P Full analysis 20 October 2020 (PDF, 140 kB)
S&P Research Update 31 July 2020 (PDF, 131 kB)
Covered Bond Programme
On 26 September 2023, credit rating agency Standard & Poor's (S&P) published its report on S-Bank's Covered Bond Programme and its First Issuance. The credit rating is AAA, and the outlook is stable.
S-Bank is committed to maintain a minimum overcollateralization level in the program commensurate with a AAA rating.
Transaction Update S-Bank PLC CBA Covered Bond Program 4 October 2024 (PDF, 0.6 MB)
S&P Full Analysis 26 September 2023 (618 kB)
S&P Research Update 26 September 2023 (PDF, 122 kB)
S&P Preliminary Research Update 28 August 2023 (PDF, 123 kB)
Capital Instruments (only in Finnish)
Debentuuri I 2016: lainakohtaiset ehdot (PDF, 45 kt) ja joukkovelkakirjaohjelma 2016 (PDF, 48 kt)
Debentuuri I 2017: lainakohtaiset ehdot (PDF, 15 kt) ja joukkovelkakirjaohjelma 2016 (PDF, 48 kt)
Debentuuri I 2020: lainakohtaiset ehdot (PDF, 29 kt) ja joukkovelkakirjaohjelma 2020 (PDF, 31 kt)
Debentuuri I 2021: lainakohtaiset ehdot (PDF, 19 kt) ja joukkovelkakirjaohjelma 2021 (PDF, 36 kt)
Stock exchange releases
-
2.12.2024
S-Bank’s asset purchase with Handelsbanken has been completed -
28.11.2024
S-Bank has carried out a directed share issue of EUR 200 million as part of the completion of the transaction -
7.11.2024
S-Bank Plc’s Interim Report 1 January–30 September 2024 -
24.10.2024
S-Bank will publish its interim report and will hold a webcast on 7 November 2024 -
25.9.2024
S-Bank issues an increase of EUR 100 million in the original amount of its bond