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GrønlandsBANKEN (GRLA) investor relations material
GrønlandsBANKEN Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Aug, 2025
Executive summary
Pre-tax profit for H1 2025 was DKK 84.4 million, down from DKK 120.1 million in H1 2024, mainly due to lower interest rates and increased costs.
Lending increased by DKK 138 million to DKK 5,169 million, while guarantees slightly decreased.
Net interest and fee income fell by DKK 22.7 million to DKK 219.6 million year-over-year.
Total costs including depreciation rose to DKK 128.4 million, driven by higher personnel and IT expenses.
Management maintains full-year pre-tax profit guidance of DKK 150–185 million.
Financial highlights
Net interest and fee income: DKK 219.6 million (down from DKK 242.4 million in H1 2024).
Pre-tax profit: DKK 84.4 million (down from DKK 120.1 million in H1 2024).
Lending: DKK 5,169 million; Deposits: DKK 7,183 million.
Cost/income ratio: 1.6 (down from 1.9 in H1 2024).
Earnings per share after tax: DKK 46.9 (down from DKK 66.7 in H1 2024).
Outlook and guidance
Full-year pre-tax profit forecast remains DKK 150–185 million.
Lending expected to grow moderately, deposit levels to remain stable or slightly higher.
Cost base expected to rise due to personnel and IT investments.
Net interest income expected to decline further due to rate environment.
How to reach 2025 profit forecast after H1?
How to mitigate falling deposit margins?
How to meet CET1 target and rising NEP?
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Next GrønlandsBANKEN earnings date
Q3 20255 Nov, 2025
Next GrønlandsBANKEN earnings date
Q3 20255 Nov, 2025
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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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