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Føroya Banki (FOBANK) investor relations material
Føroya Banki Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
H1 2025 saw increased activity and satisfactory results, with growth in lending, deposits, and mortgage credit volumes, and extraordinary income boosting net profit.
Net profit guidance for 2025 was raised to DKK 235-265m, up from DKK 210-240m, reflecting strong insurance results, low impairments, and one-off gains.
H1 2025 pre-tax profit reached DKK 190m, up 8% year-over-year, exceeding expectations due to strong insurance, increased lending, and one-off gains.
The bank maintains strong liquidity and capital positions, with continued focus on operational efficiency and cost control.
Operating income rose, costs and impairment charges were lower than estimated, and credit quality remained robust.
Financial highlights
Total operating income for H1 2025 rose to DKK 279m, up 5% year-over-year; net interest income fell to DKK 160m from DKK 182m.
Net insurance income surged 58% year-over-year to DKK 42m, while other operating income increased 74% to DKK 37m.
Profit before tax for H1 2025 was DKK 190m, up 8% year-over-year.
Cost/income ratio improved to 41.8% from 44.6% year-over-year.
Business volumes reached DKK 26.0bn at H1 2025, a 4.7% increase from year-end 2024.
Outlook and guidance
Net profit guidance for 2025 was revised upward to DKK 235-265m, driven by strong insurance, business growth, low impairments, and extraordinary income.
Return on equity expected between 10.4% and 11.9%; guidance subject to interest rate, impairment, and macroeconomic uncertainties.
Continued growth in mortgage broking and investment activity is expected, especially in Greenland.
Explain the drivers behind the raised net profit outlook.
How will CRR3 impact risk-weighted assets?
What factors contribute to Trygd's margin improvements?
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Next Føroya Banki earnings date
Q3 20254 Nov, 2025
Next Føroya Banki earnings date
Q3 20254 Nov, 2025
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Frequently asked questions
Føroya Banki, operating as BankNordik, is a financial institution providing banking and financial services primarily in the Faroe Islands, Greenland, and Denmark. Its services include personal and business banking, offering products such as savings accounts, loans, mortgages, investment solutions, and insurance. BankNordik emphasizes accessible, tailored financial services to meet the needs of both individual and corporate clients across its regional markets. The company leverages digital banking tools to complement its physical branch network, enhancing customer convenience. Føroya Banki is headquartered in Tórshavn, Faroe Islands, and its shares are listed on the NASDAQ Copenhagen.
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