Standard & Poor’s credit rating agency raises S-Bank’s credit rating to A- and rates its outlook as stable

S-Bank Plc
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10 December 2025 at 8.30 (EET)

Standard & Poor’s credit rating agency raises S-Bank’s credit rating to A- and rates its outlook as stable

International credit rating agency Standard & Poor’s has raised S-Bank Plc’ long-term issuer credit rating from “BBB+” to “A-“ and affirm its short-term rating at A-2. S&P rated the outlook as stable.

The credit rating and the stable outlook reflect S&P’s expectation that the successful issuance of senior non-preferred instruments demonstrates S-Bank's sound market access and allows it to maintain so called ALAC-buffer for years to come. Further, according to S&P’s assessment, the acquisition of Handelsbanken’s retail business strengthened S-Bank’s market position and should support the bank’s earnings capacity.

Read S&P’s press release: Finland-Based S-Bank PLC Upgraded To 'A-' On Additional Loss-Absorbing Capacity; Outlook Stable

Contacts: 
Riikka Laine-Tolonen, CEO 
Eero Saloranta, Director, Corporate Banking and Treasury