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.
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, Interim Report 1 January–30 September 2021 (PDF, 1,9 MB)
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 MB)
S-Bank, Capital and Risk Management Report 2020 (PDF, 2,2 MB)
S-Bank, Financial Statements Bulletin, 1.1.–31.12.2020 (PDF, 2,3 MB)
S-Bank, Half-year Report, 1 January–30 June 2020 (PDF, 1 MB)
S-Bank Capital and Risk Management Report 2019 (PDF, 2,2 MB)
S-Bank Annual report 2019 (PDF, 3,6 MB)
Auditor's Report 2019 (PDF, 359 kB)
S-Bank, Half-year Report, 1 January–30 June 2019 (PDF, 1,5 MB)
S-Bank Capital and Risk Management Report 2018 (PDF, 2,8 MB)
S-Bank Annual report 2018 (PDF, 2,2 MB)
Auditor's Report 2018 (PDF, 353 kB)
S-Bank Interim Report January-June 2018 (PDF, 1,1 MB)
S-Bank Annual Report 2017 (PDF, 1,4 MB)
S-Bank Interim Report January-June 2017 (PDF, 250 kB)
S-Bank Annual Report 2016 (PDF, 1 MB)
S-Bank Interim Report January-June 2016 (PDF, 122 kB)
S-Bank Annual Report 2015 (PDF, 670 kB)
S-Bank Interim Report January-June 2015 (PDF, 115 kB)
Financial Statements Bulletin 2021: 3.2.2022 10.00 am
Webcast on results: The results of S-Bank will be presented by Pekka Ylihurula, CEO, and Mika Heikkilä, CFO, in a webcast to be held on 3 February 2022 from 1 pm to 2 pm. The event will be held in English. Further information: S-Bank's communications, viestinta@s-pankki.fi.
Annual Report 2021: 3.3.2022
Capital and Risk Management Report 2021: 3.3.2022
Interim Report 1 January–31 March 2022: 3.5.2022
Interim Report 1 January–30 June 2022: 3.8.2022
Interim Report 1 January–30 September 2022: 10.11.2022
Financial Statements Bulletin 2022: 3.2.2023
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 kB)
S&P Research Update 22.1.2021 (PDF, 140 kB)
S&P Full analysis 20.10.2020 (PDF, 140 kB)
S&P Research Update 31.7.2020 (PDF, 131 kB)
S-Bank Q3 2021 Results (PDF, 702 kB)
S-Bank Credit Investor Presentation, September 2021 (PDF, 4,8 MB)
Further information of S-Bank as an investment object is available from the following persons.
