Strong capitalization. Close cooperation with Swedbank on products, processes, risk management, and access to emergency liquidity. Robust earnings capacity. Pressure on revenue and asset quality stemming from the COVID-19 pandemic. Concentration risk due to regional operations and narrow business focus. Small size and market share relative to those of main competitors. The stable outlook on Sparbanken Sjuhärad AB reflects S&P Global Ratings' view that, in the next 12-24 months, the bank will maintain its established business position, with close ties to Swedbank continuing to support its high cost efficiency. This will allow the bank to continue to offer local customers the services of a universal bank, and satisfy credit demand. In our base case, we expect the bank will be
