)
Visual22 Oct 2025
Epiroc's cash spent on M&A
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?
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Føroya Banki earnings date
Q3 20254 Nov, 2025
Next Føroya Banki earnings date
Q3 20254 Nov, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
)
)
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage