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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 guidance to DKK 77–84 and net profit to DKK 4.9–5.3bn, driven by strong operational momentum, improved customer satisfaction, and high activity in asset management.
EPS rose 7% year-over-year in Q3 2025, despite lower short-term interest rates.
Credit quality remains robust with low loan losses and significant post-model adjustments to address geopolitical risks.
Strategic focus on digitisation, sustainability, and customer experience, with AI integration and new green products launched.
Customer satisfaction improved, with top rankings among both personal and corporate clients, and private banking ranked #1 for the 10th consecutive year.
Financial highlights
Q3 earnings per share reached DKK 0.23, marking the strongest quarter in the last seven.
Return on tangible equity at 12%, cost/income ratio below 50%, and CET1 ratio at 16.2%, all above long-term targets.
Net profit for Q3 2025 was DKK 1,455m, up 2% year-over-year; fee and commission income increased 10% year-over-year, supported by asset management and card payments.
Net interest income declined 1% quarter-over-quarter and 9% year-over-year, mainly due to lower policy rates.
Assets under management rose 2% quarter-over-quarter and 7% year-over-year; property lending up 1% quarterly, while bank lending declined 1%.
Outlook and guidance
2025 is expected to be the second strongest year in history, with EPS guidance of DKK 77–84 and net profit of DKK 4.9–5.3bn, upgraded from previous guidance.
Core expenses projected to remain stable from 2024 to 2025, with inflationary pressures expected to persist into 2026.
Net interest income anticipated to bottom out in the next couple of quarters, with future growth dependent on volume development.
Loan impairment charges expected to stay low, supported by strong credit quality and post-model adjustments.
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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