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Kreditbanken (KRE) investor relations material
Kreditbanken Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary22 Oct, 2025
Executive summary
Profit before tax for the first nine months of 2025 reached DKK 156.6 million, up from DKK 150.4 million year-over-year, driven by positive bond revaluations, sector equity returns, and lower loan impairments.
Net interest and fee income increased by DKK 13.8 million compared to the same period in 2024, reflecting higher activity and fee income.
Operating expenses rose by DKK 7.9 million to DKK 117.4 million, mainly due to higher IT and personnel costs.
Loan impairments dropped significantly to DKK 1.2 million from DKK 12.2 million in the prior year period.
Financial highlights
Net interest and fee income: DKK 256.1 million (up from DKK 242.3 million year-over-year).
Profit before tax: DKK 156.6 million (up from DKK 150.4 million year-over-year).
Net profit: DKK 117.0 million (up from DKK 111.4 million year-over-year).
Total assets: DKK 7,319 million (up from DKK 6,551 million year-over-year).
Loans: DKK 2,881 million (up 7.8% year-over-year).
Deposits (excl. pool deposits): DKK 5,106 million (up 13.1% year-over-year).
Equity: DKK 1,172 million (up 11.4% year-over-year).
Outlook and guidance
Full-year 2025 profit before tax is expected in the range of DKK 180–200 million, revised upward from previous guidance.
Forecast range reflects economic uncertainty, with two scenarios for net interest income, revaluations, and loan impairments.
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Next Kreditbanken earnings date
Q4 202518 Feb, 2026
Next Kreditbanken earnings date
Q4 202518 Feb, 2026
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Frequently asked questions
Kreditbanken A/S is a Denmark-based financial institution providing banking services to private individuals, businesses, and organizations. The bank offers a range of products including savings and checking accounts, loans, mortgages, investment services, and insurance solutions. It operates through a network of local branches and digital platforms, focusing on customer-oriented financial advisory and support. Kreditbanken A/S primarily serves clients in Southern Jutland. The company is headquartered in Aabenraa, Denmark, and its shares are listed on the OMX Copenhagen.
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