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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 summary1 Oct, 2025
Executive summary
Macroeconomic optimism is rising in the euro area, with inflation under control and reduced downside risk from the EU-US trade deal.
Nordic economies are improving, except Sweden, which faces high inflation and weak growth; Denmark's GDP growth forecast for 2025 was revised to 1.8% due to statistical changes and lower pharmaceutical exports.
Danish economy remains robust with high employment, record current account surplus, and strong government finances.
Trading performance and revenue trends
Lending volumes show modest improvement, especially in corporate lending; retail lending is recovering slightly.
Fee income is dampened by low consumer sentiment and seasonality, with investment fees supported by strong AUM momentum through August.
Remortgaging/refinancing fee income is expected to be immaterial in Q3 but will increase significantly in Q4 due to the refinancing calendar.
Trading income is supported by constructive market conditions, spread compression, and lower volatility in the Danish mortgage market.
Profitability and margins
Q3 has one additional interest day versus Q2, estimated to add DKK 75 million.
Interest rate sensitivity remains: a 25bp cut across all currencies impacts NII by -DKK 650 million, while a 25bp hike adds DKK 450 million.
Most interest rate sensitivity is to DKK and euro.
Other income remains at a lower run rate due to reduced asset finance contributions.
CET1 ratio reversal timing from EU Directive?
NII sensitivity impact from divergent Nordic rates?
Q4 cost seasonality drivers not in consensus?
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Next Danske Bank earnings date
Q3 202531 Oct, 2025
Next Danske Bank earnings date
Q3 202531 Oct, 2025
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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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