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Danske Bank
Danske Bank (DANSKE) investor relations material
Danske Bank Pre-Close Call summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Pre-Close Call summary8 Jan, 2026
Executive summary
Macroeconomic outlook in the Nordics remains positive, with growth expected to improve in 2026, supported by rising real incomes and investments.
Danish economy shows solid fundamentals: low unemployment, growing real wages, and potential for increased consumption if confidence improves.
No direct Q4 impact from recent ECB or Nordic central bank rate changes; policy rates expected to remain stable through 2026.
Trading performance and revenue trends
Net interest income in Q4 will benefit from a non-recurring DKK 0.2 billion tax-related gain.
Lending volumes remained stable in Q4; day effect estimated at DKK 65–70 million.
Fee income diversified, with Q4 performance fees in asset management expected to be in line with prior years; refinancing fees slightly higher than Q3.
Primary capital markets activity subdued in Q4, especially ECM and M&A.
Customer-driven trading income expected to be seasonally lower in Q4.
Profitability and margins
Danica insurance will record a DKK 200 million negative P&L effect in Q4, pushing full-year net insurance income below guidance.
Other income remains at a lower run rate due to reduced asset finance contributions.
Full-year costs expected just below DKK 26 billion; seasonal cost increase in Q4.
Loan impairments for the year guided at no more than DKK 600 million.
No other significant one-off items expected in Q4 beyond Danica's provision.
Strategic rationale for 2026 wholesale prefunding
Outlook for CRE risk weights decision in Denmark
Assess political pressure on bank fee income
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Next Danske Bank earnings date
Q4 20255 Feb, 2026
Danske Bank
Next Danske Bank earnings date
Q4 20255 Feb, 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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