Press information: Landshypotek publishes its annual reports for 2025

Today, Landshypotek is publishing the annual reports for both Landshypotek Bank and Landshypotek Ekonomisk Förening. Farming and forestry are crucial for sustainable development – both from an environmental perspective, including climate and biodiversity, and in terms of financial and social sustainability. The bank’s contribution is presented in the Sustainability Report.

Landshypotek’s financial performance improved and lending volumes grew in 2025. Johan Ericson, CEO of Landshypotek Bank, comments on the bank’s annual report:

“On review of the year, Landshypotek continued developing to benefit its customers and further strengthened its market position. When the Swedish Quality Index presented its customer satisfaction measurement for mortgage banks, we captured one of the leading positions and, through growth and increased presence, we have continued to reinforce our market-leading position in lending for farming.”

Landshypotek’s business is circular. The bank is owned by some 31,000 farming and forestry borrowers. Based on the bank’s performance and Group contribution, the Board of the owning cooperative association, Landshypotek Ekonomisk Förening, has proposed a dividend of SEK 216 million. This represents a return of 10 percent on farming and forestry customers’ member contributions to the association and thus marks a strong contribution to Swedish agriculture. The dividend will be resolved at the Annual Association Meeting on 23 April.

“Our bank exists to ensure that farmers and foresters can obtain finance for their farms and, thereby, develop their operations. This is important for agriculture, and it is important for Sweden. The dividend is one of the reasons why Landshypotek is such an important bank for agriculture,” says Per-Olof Hilmér, Chairman of Landshypotek Ekonomisk Förening.

Leveraging its strength, the bank is now taking the next step in its development. At the end of the year, the Board of Directors adopted a new strategy for the coming years. The bank is investing in future development – with the ambition to create even greater customer value and to outpace market growth, in terms both of savings and of lending. We are intensifying our focus on being a specialist savings and lending bank, by expanding our savings and loan offering, and by becoming increasingly proactive.

The initiative is driven by the conviction that the Swedish banking market needs a value-driven, customer-centric challenger. A challenger with close links to customers and with roots in Swedish farming and forestry. By offering secure, advanced opportunities to borrow and save, Landshypotek continues to contribute to societal benefit and customer value across the country.

The annual reports present the operations of an ever-larger and growing bank and active member organisation.

Landshypotek Bank – results:

  • Operating profit amounted to SEK 502 million (489).
  • The underlying operating profit, excluding the net result of financial transactions, was SEK 510 million (496).
  • Net interest income amounted to SEK 1,158 million (1,124).
  • Costs totalled SEK 621 million (603).
  • Net credit losses impacted earnings with SEK 14 million (loss: 4).
  • Loans to the public amounted to SEK 118.2 billion (111.1).
  • Deposits from the public amounted to SEK 25.9 billion (27.1).

 

A few key events at Landshypotek in 2025:

  • Lower interest rates mean opportunities for customers. During the year, Landshypotek lowered its lending interest rates on multiple occasions. This has provided farmers with better conditions to plan their investments and make it easier to make an active choice in the mortgage market.
  • Customers rank Landshypotek as top tier The Swedish Quality Index (SKI) shows that Landshypotek is among those banks ranked highest by mortgage customers. The results confirm that customers appreciate transparent terms, clear communication and simplicity in their banking.
  • Pioneering new initiative: Green framework now also includes farming. Following successful issues of green bonds linked to sustainable forestry, farming has now also been included in the green bond framework.
  • More lending opportunities for housing and agriculture. To meet the needs of farming businesses regarding flexibility, a new loan product that supplements the traditional property loan has been launched. The loan-to-value ratio for mortgages has been raised from 75 percent to 85 percent.
  • High willingness to invest – but caution persists. Society expects farming to help increase food production, strengthen preparedness and invest in supporting the green transition. Landshypotek’s surveys show that farmers are highly confident about the future and have a high willingness to invest. At the same time, the uncertain operating environment means that many farmers are postponing investments. 

 

Read the full Annual Report for Landshypotek Bank (pfdf).


Landshypotek Bank AB is required to disclose this information pursuant to the Securities Market Act (2007:528). This information was submitted for publication on 11 March 2026 at 8:00 a.m. (CET).

 

For further information, please contact:

Jonas Feinberg, Press Officer Landshypotek Bank, +46 70 349 24 10, jonas.feinberg@landshypotek.se

About Landshypotek

Landshypotek has grown robustly in recent years as a customer-centric challenger in the banking market for mortgages and savings. Customers appreciate the bank’s simple and open nature, with transparent terms and conditions for mortgages and savings, in addition to its expertise in customer service and the circular business model of farming and forestry. The bank’s clear values mean that more and more customers view it as a strong option in the banking market. Landshypotek was founded by customers in 1836. The bank offers services in savings and loans, is owned by the farming and forestry customers, and operates throughout Sweden.

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