Sparbanken Skaraborg AB (publ)

Sparbanken Skaraborg AB (publ) is a Swedish savings bank operating in the Skaraborg area of Västra Götaland, focused on retail, small and medium-sized enterprises, and agricultural clients. The bank provides current and savings accounts, domestic and international payments, BankID-enabled digital banking, Swish, debit and credit cards, mortgages, consumer and business lending, leasing and guarantees, as well as investments, ISK and custody services, pension savings, and insurance distributed through partner arrangements. It uses the common savings bank cooperation with Swedbank for IT infrastructure and access to selected products such as funds and certain mortgage solutions while remaining a legally separate institution with local ownership via savings bank foundation structures. Services are delivered through a local branch network and digital channels (internet bank and mobile app), with pricing and credit terms set by the bank and published in its fee schedules; lending rates and margins are individually priced based on risk and collateral. Sparbanken Skaraborg is authorized and supervised by Finansinspektionen, applies standard AML/KYC controls, and participates in the Swedish deposit guarantee administered by the National Debt Office (coverage equal to EUR 100,000 per depositor and institution). The balance sheet is typical for a regional savings bank, with exposures concentrated in household mortgages and local corporate lending; collateralization levels, liquidity risk management, and capital buffers are reported in its annual and interim financial statements and Pillar 3 disclosures in line with CRR/CRD requirements. Customers interact in Swedish and can access common domestic payment rails, including Bankgiro and Swish; acquiring, e-commerce solutions, and corporate cash management are available for businesses via the bank and its partner ecosystem.