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, Half-year Report 1 January–30 June 2022 (PDF, 1.3 MB)
S-Bank, Interim Report 1 January–31 March 2022 (PDF, 1.8 MB)
Interim Report 1 January–30 September 2022: 10 November 2022
Financial Statements Bulletin 2022: 3 February 2023
On 4 February 2022, 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 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)
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)
S-Bank Credit Investor Presentation, September 2021 (PDF, 4.8 MB)
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)
Further information of S-Bank as an investment object is available from the following persons.
