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Føroya Banki
Føroya Banki (FOBANK) investor relations material
Føroya Banki Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary26 Feb, 2026
Executive summary
Achieved solid growth in business volumes, up 6.9% year-over-year, with increased activity across core banking and insurance segments.
Operating income rose, driven by higher activity, strong insurance results, and one-off factors.
Operating costs remained in line with expectations, with a cost/income ratio of 52.3%.
Reversal of impairment charges for the ninth consecutive year, reflecting robust credit quality.
Proposed dividend of DKK 21.04 per share, with a total dividend of DKK 202m.
Financial highlights
Net interest income was DKK 316m, down 9% year-over-year due to lower interest rates.
Net fee and commission income increased 14% year-over-year to DKK 84m.
Net insurance income surged 35% year-over-year to DKK 76m, with a combined ratio of 71.7% in Q4.
Operating income reached DKK 534m, up 3% year-over-year.
Net profit after tax was DKK 288m, with RoE after tax at 14.1%.
Outlook and guidance
2026 net profit guidance is DKK 190–235m, corresponding to RoE of 10–12%.
Expecting stable central bank rates, normalized insurance claims, and rising administrative expenses.
Impairment charges expected at 0.3% of loans in 2026.
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Next Føroya Banki earnings date
Q1 202630 Apr, 2026
Føroya Banki
Next Føroya Banki earnings date
Q1 202630 Apr, 2026
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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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