Sparbanken Skane AB (publ)

The stable outlook on 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 will maintain a sound financial position underpinned by robust capitalization, despite possible pressure on asset quality and earnings over the next two years. We anticipate Sparbanken Skåne will continue to build and maintain a considerable ALAC buffer in the coming years as it fulfils its MREL, and that the ALAC buffer will durably exceed our adjusted threshold of 4% of RWAs. We could take a negative rating action if we observed changes in the bank's risk appetite or operating conditions that might materially weaken asset quality, or if the

...Sparbanken Sksne (publ)'s partnership with Swedbank will continue to support its strong standing in the home region. With total assets of Swedish krona (SEK) 109.8 billion (9.7 billion), we expect Sparbanken Sksne will maintain its leading position in the Sksne region in Southern Sweden. The bank has actively lent to the area for decades where it maintains significant market shares but holds only a modest market share of 1% nationally. Due to historical ties and Sparbanken Sksne's limited size, Swedbank provides support by equipping the bank with products, information...

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