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Visual21 Nov 2025
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GrønlandsBANKEN (GRLA) investor relations material
GrønlandsBANKEN Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Pre-tax profit for the first nine months of 2025 was DKK 132.5 million, down from DKK 193.6 million year-over-year, mainly due to lower interest rates and increased costs.
Net interest and fee income fell by DKK 36.0 million to DKK 319.9 million, primarily due to market interest rate developments, partially offset by increased business volume.
Loans increased by DKK 138 million to DKK 5,169 million, while guarantees decreased by DKK 114 million to DKK 1,309 million since year-end 2024.
Operating expenses including depreciation rose to DKK 191.4 million from DKK 173.8 million, driven by higher personnel and IT costs.
The outlook for full-year pre-tax profit was refined to DKK 165–185 million, up from the previous range of DKK 150–185 million.
Financial highlights
Net interest and fee income for the period: DKK 319.9 million (down from DKK 355.9 million in 2024).
Pre-tax profit: DKK 132.5 million (down from DKK 193.6 million in 2024).
Loans: DKK 5,169 million; Deposits: DKK 6,902 million; Equity: DKK 1,561 million.
Cost/income ratio: 1.6 (down from 2.0 in 2024).
Earnings per share after tax: DKK 80.2 (down from DKK 94.4 in 2024).
Outlook and guidance
Full-year pre-tax profit expected at DKK 165–185 million, revised from DKK 150–185 million.
Loan growth expected to turn slightly negative by year-end due to developments in public financing.
Deposits expected to remain at or slightly below year-end 2024 levels.
Operating costs including depreciation expected to rise, mainly due to IT and personnel investments.
Explain the impact of falling interest rates
Why did the 2025 loan growth forecast change?
Address the CET1 target vs. current core capital
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Next GrønlandsBANKEN earnings date
Q4 202526 Feb, 2026
Next GrønlandsBANKEN earnings date
Q4 202526 Feb, 2026
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Frequently asked questions
GrønlandsBANKEN A/S operates as a financial institution, providing a range of banking services to individuals, businesses, and public institutions primarily in Greenland. The bank offers deposit and savings accounts, loans, mortgages, and various investment services. It also provides insurance products, payment services, and financial advisory support. GrønlandsBANKEN serves sectors such as retail, real estate, fisheries, and tourism, playing a significant role in the local economy. The company is headquartered in Nuuk, Greenland, and its shares are listed on the Copenhagen Stock Exchange.
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