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Lån & Spar Bank (LASP) investor relations material
Lån & Spar Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net interest and fee income fell 2.3% year-over-year to DKK 737.6m due to lower interest rates, partially offset by higher fee income from increased customer activity.
Pre-tax profit was DKK 271.2m, down from DKK 307.8m year-over-year, with return on equity before tax at 16.3%.
Net profit for the period was DKK 205.2m, or DKK 59 per share, compared to DKK 230.7m last year.
Management considers the period's core earnings and results satisfactory and maintains full-year net profit guidance of DKK 250–350m.
Financial highlights
Net interest income declined by DKK 51.8m year-over-year to DKK 442.3m, reflecting lower rates despite loan and deposit growth.
Fee and commission income rose by DKK 41.2m to DKK 332.1m, driven by new customers and higher activity.
Operating expenses increased 9.2% year-over-year to DKK 474.8m, mainly due to more staff and higher IT costs.
Impairments on loans were DKK 16.3m, down from DKK 25.6m year-over-year, reflecting high credit quality.
Balance sheet grew to DKK 40,218m, up DKK 3,834m since year-end, with loans up DKK 513m and deposits up DKK 2,726m.
Outlook and guidance
Full-year 2025 net profit after tax is expected in the DKK 250–350m range, unchanged from previous guidance.
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