Close cooperation with Swedbank on products, processes, risk management, and access to emergency liquidity. Robust capitalization and capital build, supported by its savings bank status. Regional concentration makes the bank reliant on economic developments in Skåne in southern Sweden. Economic imbalances, characterized by high house prices and household debt growth, which could put pressure on the Swedish banking sector's financial performance. S&P Global Ratings' stable outlook on Swedish Sparbanken Skåne reflects our expectation that the bank will continue its relationship with Swedbank and keep its leading position in its local market. We believe Sparbanken Skåne can protect its robust capitalization while expanding its balance sheet over the next two years. Indications of discontinued cooperation with Swedbank would most likely result
