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Kreditbanken (KRE) investor relations material
Kreditbanken Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary13 Aug, 2025
Executive summary
Pre-tax profit for H1 2025 reached DKK 109.4 million, up from DKK 100.6 million in H1 2024, driven by positive bond revaluations, sector equity returns, and loan impairment reversals.
Full-year pre-tax profit guidance for 2025 raised to DKK 160–185 million from DKK 125–150 million.
Bank expects lower earnings in H2 2025 due to narrowing interest margins, lower surplus liquidity returns, and higher loan impairments.
Financial highlights
Net interest and fee income rose to DKK 177.4 million in H1 2025 from DKK 166.5 million in H1 2024.
Personnel and administration expenses increased by DKK 5.6 million to DKK 79.8 million.
Loan impairment reversals contributed DKK 6.6 million as income, compared to DKK 0.4 million in H1 2024.
Deposits (excl. pool deposits) grew 12.1% year-over-year to DKK 4,995 million; loans rose 11.3% to DKK 2,836 million.
Equity stood at DKK 1,136 million as of June 30, 2025.
Outlook and guidance
Full-year 2025 pre-tax profit expected at DKK 160–185 million, reflecting two scenarios due to economic uncertainty.
H2 2025 earnings anticipated to decline versus H1, mainly from margin compression and higher impairments.
Explain the rationale behind the 2025 forecast range.
Assess the impact of geopolitical risks on skøn.
How does Kreditbanken manage liquidity risk?
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Next Kreditbanken earnings date
Q3 202522 Oct, 2025
Next Kreditbanken earnings date
Q3 202522 Oct, 2025
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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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