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. Leading regional bank in North and South Eastern Skåne. 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, that could put pressure on the Swedish banking sector's financial performance. Standard&Poor's Ratings Services' outlook on Sweden-based Sparbanken Skåne is positive, reflecting our expectation that the recently consolidated bank will maintain a robust capital level over the next 18-24 months. In our view, this mitigates the increasing risk arising from Swedish economic imbalances, where household debt continues to grow
