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Jyske Bank (JYSK) investor relations material
Jyske Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary29 Oct, 2025
Executive summary
Upgraded 2025 EPS outlook to DKK 77–84 and net profit guidance to DKK 4.9–5.3 billion, driven by improved customer inflow, strong financial markets, and focused cost management.
Q3 2025 EPS rose 7% year-over-year, with record earnings per share for the first three quarters, despite lower short-term interest rates.
Customer satisfaction improved, with private banking ranked #1 for the 10th consecutive year and top rankings among personal and corporate clients.
Strategic focus on digitisation, sustainability, and customer experience, including AI integration and new green products.
Strengthened position in Copenhagen with consolidation of 950 employees, improving collaboration and cost structure.
Financial highlights
Q3 EPS reached DKK 23, the strongest in seven quarters; net profit for Q3 was DKK 1,455 million.
Return on tangible equity at 12%, cost/income ratio at 45%, and CET1 ratio at 16.2%—all above targets.
Net interest income declined 1% quarter-over-quarter to DKK 2,187 million, mainly due to lower policy rates.
Net fee and commission income increased 10% year-over-year, supported by asset management and card payments.
Core expenses down 6% year-over-year in Q3 2025; underlying costs down 2% year-over-year.
Outlook and guidance
2025 EPS expected at DKK 77–84, net profit at DKK 4.9–5.3 billion, with core expenses projected to remain stable and loan impairments expected to stay low.
Net interest income expected to bottom out in the next quarters, with future performance dependent on volume development.
Cost base for 2025 expected to be flat versus 2024, with one-off items running off in 2026; inflationary pressures remain.
Capital distribution to include share buybacks and a 30% dividend payout ratio.
Cost/income ratio expected to rise above 47 in 2025.
Capital impact of share buy-back program?
Reason for increased post-model adjustments?
How does AI integration impact efficiency?
Share buyback timing constraints?
Bankdata/BEC merger: Jyske Bank's stance?
NII trough: Detail bond issuance impact.
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Next Jyske Bank earnings date
Q4 20255 Feb, 2026
Next Jyske Bank earnings date
Q4 20255 Feb, 2026
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Frequently asked questions
Jyske Bank A/S provides a range of financial solutions to personal and corporate clients, with a strong commitment to service. Jyske Bank A/S's vision is to become the leading affinity bank in Europe and it aims to achieve this by developing its network, putting clients first and providing them opportunities for investing and saving. To date, Jyske Bank has opened branches in Denmark, Great Britain, Poland, Germany, Finland, Sweden, the Czech Republic and Hungary. The company is based in Silkeborg, Denmark.
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