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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.Q2 2025 earnings summary18 Aug, 2025
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.
Why did personnel/admin costs increase 9.2%?
What is driving the growth in lending?
What is the outlook for 2025 profit after tax?
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Next Lån & Spar Bank earnings date
Q3 20255 Nov, 2025
Next Lån & Spar Bank earnings date
Q3 20255 Nov, 2025
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Frequently asked questions
Lån & Spar Bank A/S is a Denmark-based commercial bank offering a range of financial services to private individuals and organizations. The bank provides products including savings and checking accounts, loans, mortgages, credit cards, and investment services. It also offers digital banking solutions and insurance products through partnerships. Lån & Spar Bank primarily serves customers in Denmark, with a focus on cost-effective and personalized banking services. The company is headquartered in Copenhagen, Denmark, and its shares are listed on the OMX Copenhagen.
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