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. Funding profile underpinned by sound deposit franchise and covered bond issuance. Regional concentration makes the bank reliant on economic developments in Skåne in southern Sweden. Small size and market share relative to main competitors. 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. We could upgrade the bank if it maintains its intrinsic credit strength
