Nordic niche banks navigate through winds of change
Changes are underway throughout the sector.
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Swedish real estate outlook 2025
From financial risk management to renewed growth.
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Lillesands Sparebank
Lillesands Sparebank is a small-sized savings bank headquartered in Lillesand, Norway. The bank dates back to 1852 and merged with Vestre Moland Sparebank in 1968. It primarily serves the retail customers of Lillesand municipality and neighbouring municipalities and offers several financial services to household and corporate borrowers. These services include savings accounts, loans, mortgages, insurance, leasing and investment services. Lillesands Sparebank is a member of Lokalbanksamarbeidet banking cooperative.
Falling interest rates yet to impact Nordic niche banks
Loss provisions among banks in our sample fell to two-year lows.
Swedish niche lenders face regulatory changes in funding metrics
Regulator's new guidelines to negatively affect banks with distributor-sourced deposits.
Nordic consumer banks' earnings continue to offset elevated provisions
Non-performing loans continue to rise across sector.
Haugesund Sparebank
Haugesund Sparebank is a mid-sized Norwegian savings bank operating on the Norwegian west coast in the Rogaland and Vestland regions. The bank dates back to 1928 and has merged with several local savings banks through the years.
Credit loss uncertainty rises for Nordic consumer banks
Elevated credit losses level off but interest margins continue declining.
Norwegian municipal finances weakened by high interest rates and inflation
Net debt burdens increase materially due to rising costs.