Assa Abloy Financial Services AB

The loan has been provided to Swedish-based access solutions provider ASSA ABLOY AB for financing research and development investments in Sweden, Finland, Norway and Denmark during 2025─2027.

In recent years, ASSA ABLOY’s innovation process has progressed, leading to continued evolution of mobile credentials and biometric access, as well as the integration of AI‑driven predictive maintenance. This reflects a portfolio that blends hardware and software innovation, creating customer value through solutions that are relevant, sustainable, and future‑ready.

The Nordic R&D investments during the period are estimated to account for a significant share of the ASSA ABLOY’s total R&D spending of SEK 6 billion, with Sweden and Finland accounting for the major part of the R&D spending in the Nordic region.

Productivity:

Innovation and product renewal are central to ASSA ABLOY’s strategy, enabling safer and more efficient access to physical and digital environments. The investments contribute to productivity improvements through digital access solutions, supporting long-term competitiveness and resilience in core markets.

Last year more than 700 new products were launched, more than 230 patents were registered and approximately 23% of ASSA ABLOY’s sales were generated from the products launched over the last three years. Since 2018, global R&D expenditure has more than doubled.

In 2025, ASSA ABLOY invested a total of SEK 6 billion in R&D globally, with 4,400 R&D employees across almost 200 R&D centres. This corresponds to an R&D intensity of 4%, reflecting R&D expenditure relative to the company’s revenue.

Impact indicators related to the loan:

– R&D Intensity

– Commercialisation rate

 

Environment:

The investments are not expected to have any significant impact on the environment.

No concerns identified.