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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.

Financial information and the dates of publishing financial results

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.



S-Bank, Half-year Report 1 January–30 June 2021 (PDF, 1,9 MB)

S-Bank, Interim Report 1 January–31 March 2021 (PDF, 1,3 MB)



S-Bank, Annual Report 2020 (PDF, 6,3 Mt)

S-Bank, Capital and Risk Management Report 2020 (PDF, 2,2 Mt)

S-Bank, Financial Statements Bulletin, 1.1.–31.12.2020 (PDF, 2,3 Mt)

S-Bank, Half-year Report, 1 January–30 June 2020 (PDF, 1 Mt)



S-Bank Capital and Risk Management Report 2019 (PDF, 2,2 Mt)

S-Bank Annual report 2019 (PDF, 3,6 Mt)

Auditor's Report 2019 (PDF, 359 kt)

S-Bank, Half-year Report, 1 January–30 June 2019 (PDF, 1,5 Mt)



S-Bank Capital and Risk Management Report 2018 (PDF, 2,8 Mt)

S-Bank Annual report 2018 (PDF, 2,2 Mt)

Auditor's Report 2018 (PDF, 353 kt)

S-Bank Interim Report January-June 2018 (PDF, 1,1 Mt)



S-Bank Annual Report 2017 (PDF, 1,4 Mt)

S-Bank Interim Report January-June 2017 (PDF, 250 kt)



S-Bank Annual Report 2016 (PDF, 1 Mt)

S-Bank Interim Report January-June 2016 (PDF, 122 kt)



S-Bank Annual Report 2015 (PDF, 670 kt)

S-Bank Interim Report January-June 2015 (PDF, 115 kt)


The dates of publishing financial results

Financial Statement Release 2020: 3.2.2021
Annual Report 2020: 1.-7.3.2021
Capital and Risk Management Report 2020: 1.-7.3.2021
Interim Report January-March 2021: 4.5.2021
Half-year Report January-June 2021: 29.7.2021
Interim Report January-September 2021: 9.11.2021

Investment materials 

Credit Rating

On 25 August 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 Full Analysis 25.8.2021 (PDF, 854 kt)

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

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Stock exchange releases

All news

Contact details

Further information of S-Bank as an investment object is available from the following persons.