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Djurslands Bank (DJUR) investor relations material
Djurslands Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary7 Nov, 2025
Executive summary
Result before tax for the first nine months of 2025 was DKK 251.1 million, a 2.3% decrease year-over-year, but above expectations due to robust customer performance and low impairments.
Customer base grew, with private customers up 4.5% and business customers up 7.0% over 12 months.
The bank is implementing a new strategy for continued growth and customer focus, with all employees involved in the process.
Financial highlights
Net interest and fee income rose 3.7% to DKK 500.4 million year-over-year.
Operating expenses increased by 8.8% to DKK 278.0 million, mainly due to higher staff and IT costs, and the opening of a new branch.
Impairments on loans and receivables resulted in a net income of DKK 18.4 million, reflecting improved credit quality.
Return on average equity before tax was 18.4% p.a.
Assets under management reached DKK 23.6 billion, up 7.0% year-over-year.
Loans increased by 7.3% and deposits by 12.5% over 12 months.
Outlook and guidance
Full-year 2025 pre-tax profit guidance raised to DKK 285–315 million, reflecting strong performance and positive economic expectations.
How does the bank offset falling net interest income?
Elaborate on the 80m DKK management risk estimate.
How do CRR3 rules impact capital requirements?
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Q4 20255 Feb, 2026
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Frequently asked questions
Djurslands Bank A/S is a regional Danish bank that provides a wide range of banking and financial services to individuals, businesses, and organizations. The bank offers traditional banking products, including deposits, loans, mortgages, and payment solutions, as well as investment and insurance services. Djurslands Bank focuses on serving local communities, particularly in the Djursland region of Denmark, with a customer-centric approach that emphasizes personalized service and financial advice. The company is headquartered in Grenaa, Denmark, and its shares are listed on the Copenhagen Stock Exchange.
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