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Danske Bank
Danske Bank (DANSKE) investor relations material
Danske Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary9 Feb, 2026
Executive summary
Q4 2025 net profit rose 14% over Q3, with full-year net profit at DKK 23.0bn and ROE at 13.3%, driven by record-high core banking income, higher net interest and fee income, and strong commercial momentum.
Growth in lending volumes, expanded corporate customer base, and higher AuM contributed to business momentum across the Nordics.
Credit quality remained robust, with a loan loss ratio of 2bps and negligible loan losses, supported by strong economic conditions in Denmark and the Nordics.
100% payout of 2025 net profit was executed: 60% as ordinary dividend, 20% as extraordinary dividend, and a DKK 4.5bn share buyback program.
Financial highlights
Net profit for 2025 was DKK 23.0bn, flat year-over-year; Q4 net profit up 14% sequentially.
Total income increased to DKK 56.8bn, supported by resilient NII and record fee income, with performance fees in asset management exceeding DKK 900m.
Operating costs rose 9% in Q4 due to seasonality and restructuring, but full-year costs were flat at DKK 25.8bn and in line with guidance.
CET1 capital ratio fell from 18.7% to 17.3% (17.6% post-regulatory adjustment), 280bps above requirements.
Trading income rose 8% year-over-year, while insurance income was impacted by one-offs.
Outlook and guidance
2026 total income expected around DKK 58bn, with cost guidance between DKK 26–26.5bn and a cost/income ratio of ~45%.
Net profit guidance for 2026 set at DKK 22–24bn, with ROE above 13% and loan impairment charges forecast at DKK 1bn.
Cost/income ratio expected to improve slightly; further strategic and financial targets to be updated in April 2026.
Capital structure outlook post-Estland case
Path to 45% cost-income ratio with AI
Reasons for increased US shareholder base
Partial view of Summaries dataset, powered by Quartr API
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Next Danske Bank earnings date
Q1 202630 Apr, 2026
Danske Bank
Next Danske Bank earnings date
Q1 202630 Apr, 2026
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Frequently asked questions
Danske Bank A/S provides various banking products and services to corporate, institutional, and international clients in Scandinavia, the Baltics, Benelux countries, Germany and the United Kingdom. The company offers a range of financial products and services together with related banking services for private customers in Denmark; private and business customers in Norway; corporate, institutional, agency finance and treasury customers in Sweden; corporate and commercial customers in Denmark, Finland, Norway, Iceland, Lithuania and Poland; small-and middle-market companies in the Baltic countries of Estonia, Latvia, and Lithuania; corporate clients in Switzerland; private individuals and families in Europe via direct financial operations through telephone and the Internet (e-banking); public companies across Europe; private individuals across Europe via direct financial operations through telephone and the Internet (e-commerce); small-and middle-market enterprises across Europe; institutional investors across Europe; treasury clients in Sweden; financial institutions throughout its area of operations; municipalities in Denmark; county councils in Norway; municipal governments throughout its area of operation.
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