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Danske Bank (DANSKE) investor relations material
Danske Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Net profit for Q3 2025 reached DKK 16.7bn, supported by resilient net interest income, higher fee income, disciplined cost management, and a net reversal of impairments.
Return on equity was 12.9% for the first nine months and 12.6% in Q3 2025, reflecting strong execution on strategic priorities.
Commercial momentum driven by higher demand for home loans, increased corporate lending, and record-high assets under management at DKK 954bn.
Investments in digitalisation and technology, including generative AI, are enhancing operational efficiency and customer experience.
Benign operating environment in the Nordics, especially Denmark, underpins a positive outlook.
Financial highlights
Net profit for Q1–Q3 2025 was DKK 16,730m, down 5% year-over-year, mainly due to higher loan impairment charges and lower insurance income.
Net interest income decreased 1% to DKK 27,157m, impacted by the sale of the Norwegian personal customer business and lower deposit margins.
Net fee income rose 2% to DKK 10,568m, supported by strong customer activity and record-high AuM (+11% YoY).
Trading income increased 12% YoY to DKK 2,362m, mainly from valuation adjustments in Group Treasury, but Q/Q decrease due to one-off gains in Q2.
Operating expenses stable at DKK 18,990m, with cost discipline offsetting higher digitalisation and staff costs.
Outlook and guidance
FY 2025 net profit expected at the upper end of DKK 21–23bn, driven by NII trends and improved loan impairment outlook.
Total income for 2025 expected to be slightly lower than 2024, with resilient NII and focus on fee income.
Operating expenses for 2025 guided up to DKK 26bn.
Loan impairment charges expected to be no more than DKK 0.6bn.
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Next Danske Bank earnings date
Q4 20255 Feb, 2026
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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