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Føroya Banki (FOBANK) investor relations material
Føroya Banki Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary4 Nov, 2025
Executive summary
Q3 2025 profit before tax was DKK 80m, slightly above original guidance, driven by strong customer activity and positive momentum across business areas; credit quality improved, reflected in a reversal of impairment charges.
Net profit guidance for 2025 remains at DKK 235–265m.
Continued growth in deposit volumes and a slight decline in lending volumes quarter-over-quarter.
Strong capital and liquidity positions maintained.
Financial highlights
Net interest income for Q1–Q3 2025 was DKK 293.7m, down 13% YoY; Q3 net interest income down DKK 7.2m QoQ and DKK 31.3m YoY due to lower rates and higher funding costs.
Fee and commission income up DKK 1.9m QoQ and DKK 5.8m YoY, with net fee and commission income for Q1–Q3 up 10% to DKK 63.9m.
Net insurance income rose, with premiums up 4.7% YoY and profit before tax for insurance up 63% YoY; Q3 net insurance result increased 18% YoY to DKK 47.5m.
Operating costs increased 7.3% QoQ and 4.1% YoY, mainly from IT and staff costs.
Net profit for Q1–Q3 2025 was DKK 217.7m, down from DKK 238.1m YoY.
Outlook and guidance
Net profit guidance for 2025 remains at DKK 235–265m, reflecting strong insurance results, business growth, and robust credit quality.
Return on equity expected between 10.4% and 11.9%.
Expectation of further increase in demand for mortgage-broking services as interest rates have fallen.
Full impact of recent interest rate decreases expected in the coming quarter, likely improving customer credit quality.
Guidance subject to uncertainties including interest rates, impairments, market value adjustments, and macroeconomic factors.
What is the outlook for NII margin pressure?
Impact of customer transfers on segment deposits?
Expected CRR3 impact on RWA?
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Next Føroya Banki earnings date
Q4 202526 Feb, 2026
Next Føroya Banki earnings date
Q4 202526 Feb, 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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