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.
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, 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)
Annual report for 2023: 7 March 2024
Interim report for January–March: 7 May 2024
Half-year report for January–June: 1 August 2024
Interim report for January–September: 7 November 2024
Financial statements bulletin for 2024: 6 February 2025
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)
On 1 August 2023, 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 positive.
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)
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.
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)
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)