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. The negative outlook on Sparbanken Skåne reflects the possibility that we could lower the ratings within our two-year outlook horizon should the negative trends we see for Swedish economic risk lead us to revise down our anchor for banks operating in Sweden to 'bbb+' from 'a-'. We could also take a negative rating action if the bank does not
