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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
Danske Andelskassers (DAB) investor relations material
Danske Andelskassers Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary21 Aug, 2025
Executive summary
Result before tax for H1 2025 was DKK 150.0 million, down 6.5% year-over-year, but described as satisfactory.
Equity return before tax was 10.2% p.a., compared to 11.8% in H1 2024.
The period was marked by high employment, strong customer activity, and strategic expansion, including a new headquarters and new wealth management centers.
Financial highlights
Net interest and fee income rose 7.3% to DKK 436.8 million year-over-year.
Net fee income increased 10.4% to DKK 141.6 million, driven by higher activity and more real estate transactions.
Operating expenses rose 6.6% to DKK 285.4 million, reflecting more staff and strategic investments.
Loan loss provisions were a net reversal of DKK 5.3 million, indicating strong credit quality.
Loans grew 4.8% to DKK 8,181 million; deposits increased 10.1% to DKK 11,109 million.
Total business volume rose 8.2% to DKK 32,461 million.
Outlook and guidance
Guidance for 2025 was raised twice, with expected core earnings now DKK 170–210 million and pre-tax profit DKK 220–270 million.
Outlook remains subject to significant uncertainties, including strategy execution, market volatility, and ongoing trade conflicts.
New centers' impact on private loan growth?
What drives changes in credit risk overlays?
Tier 2 issuance: How does it align with CRR3?
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Next Danske Andelskassers earnings date
Q3 202520 Nov, 2025
Next Danske Andelskassers earnings date
Q3 202520 Nov, 2025
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Frequently asked questions
Danske Andelskassers Bank is a Denmark-based regional bank that offers a range of financial services to private individuals, small and medium-sized enterprises, and agricultural customers. The bank provides products including savings and checking accounts, personal and business loans, mortgages, investment services, and insurance. It operates through a network of local branches primarily in Jutland and emphasizes personalized customer service. Danske Andelskassers Bank is headquartered in Hammershøj, Denmark, and its shares are listed on the OMX Copenhagen.
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