Länsförsäkringar Hypotek: Year-end Report 2025

”Länsförsäkringar Hypotek’s mortgage business continued to perform well in 2025.
Activity in the mortgage market continued to increase slightly during the year and again this year Länsförsäkringar remained successful and was the bank that reported the second highest growth in mortgage lending for the year. With a high level of activity locally, combined with the strength of our brand, we were able to continue to help existing and new customers.
Financial markets saw considerable turbulence, largely driven by geopolitics, and also various stages of recession. The housing market has shown signs of a recovery during the year, resulting in a slight rise in prices.
Inflation in Sweden essentially remained stable during the year and interest rate cuts by the Riksbank continued to a stable low level. Households continued to display high resilience.
Länsförsäkringar Hypotek’s very high credit quality and strong financial position remain firm, and in light of this, we are convinced that we will be able to continue to offer security in people’s everyday lives. With our competitive mortgage offering and our strong local profile, we aim to continue to do new mortgage business with more and more of Länsförsäkringar's customers and to see volumes grow.”, says Anders Larsson, President of Länsförsäkringar Hypotek

The period in brief:

• Operating profit increased 4% to SEK 1,778 M (1,707) and the return on equity was 7.8% (7.8).
• Net interest income declined 20% to SEK 2,290 M (2,858).
• Credit losses amounted to SEK 3 M (2), net, corresponding to a credit loss level of 0.00% (0.00).
• Operating profit was impacted by fees levied of SEK 280 M (256), of which risk tax comprised SEK 144 M (139).
• Lending increased 6% to SEK 357 billion (336).
• A Group contribution of SEK 953 M was made at year-end. The Board also proposes a dividend for 2025 of SEK 547 M.
• The Common Equity Tier 1 capital ratio amounted to 17.8% (18.4*) on 31 December 2025.

Figures in parentheses pertain to the same period in 2024.
* Refers to 30 June 2025.
 

Read more

https://www.lansforsakringar.se/financial-hypotek/

For further information, please contact:
 

Anders Larsson, President Länsförsäkringar Hypotek AB,
+46 (0)8 588 411 54, +46 (0)73 964 11 54

Andreas Larsson, Head of Investor Relations Länsförsäkringar Bank AB, +46 (0)720 84 36 34

The Länsförsäkringar Alliance is comprised of 23 local and customer-owned regional insurance companies and the jointly owned Länsförsäkringar AB. Customers are provided with a complete offering of banking and life and non-life insurance services through their local, regional insurance companies. We offer animal and crop insurance through Agria Djurförsäkring, total solutions for reliable mortgage transactions through LF Fastighetsförmedling, and financing services such as leasing, instalment payments, and loans through LF Finans.

Länsförsäkringsgruppen består av 23 lokala och kundägda länsförsäkringsbolag och det gemensamt ägda Länsförsäkringar AB. Genom sitt lokala länsförsäkringsbolag får kunderna ett helhetserbjudande inom bank, försäkring och pension. Genom Agria Djurförsäkring erbjuder vi djur- och grödaförsäkring, genom LF Fastighetsförmedling helhetslösningar för en trygg bostadsaffär och genom LF Finans finansieringstjänster som leasing, avbetalning och lån.

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