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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 4.9–5.3bn, driven by improved customer inflow, cost management, and strong financial markets.
Q3 EPS rose 7% year-over-year, with record earnings for the first three quarters despite lower short-term interest rates.
Customer satisfaction and client inflows improved across personal, private banking, and business segments, with private banking ranked #1 for the 10th consecutive year.
Assets under management have grown 10% annually over the last decade, with a 7% year-over-year increase.
Strategic focus on digitisation, sustainability, and customer experience, including AI integration and new green products.
Financial highlights
Q3 EPS reached DKK 23, the strongest quarter in seven, and net profit for Q3 was DKK 1.455bn, up 2% year-over-year.
Return on tangible equity at 12%, cost/income ratio at 45%, and CET1 ratio at 16.2%, all well above requirements.
Net interest income declined 1% quarter-over-quarter to DKK 2,187m, 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 and net profit at DKK 4.9–5.3bn, with core expenses projected to remain stable and loan impairments expected to stay low.
Net interest income anticipated to bottom out in the next quarters, with future development dependent on volumes.
Cost base for 2025 to remain flat versus 2024, with one-off items running off by 2026; inflationary pressures persist.
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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