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Lån & Spar Bank (LASP) investor relations material
Lån & Spar Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Net interest and fee income for the first nine months of 2025 was DKK 1,117.0 million, down 2.3% year-over-year due to lower interest rates despite growth in lending and deposits.
Pre-tax profit for the period was DKK 444.1 million, with a return on equity before tax of 17.5% p.a.; net profit was DKK 335.0 million, or DKK 97 per share.
Management considers the period's core earnings and results satisfactory and has raised full-year net profit guidance to DKK 375–425 million.
Financial highlights
Net interest income fell by DKK 80.9 million year-over-year to DKK 663.4 million, as the drop in interest rates outweighed positive effects from lending and deposit growth.
Fee and commission income rose by DKK 63.6 million, driven by increased customer activity and product sales.
Operating expenses increased by 9.0% to DKK 701.7 million, reflecting higher staff numbers and IT costs.
Impairments on loans were DKK 5.5 million, significantly lower than DKK 25.9 million in the prior year period.
Balance sheet total grew to DKK 40,587.4 million, up DKK 4,203.1 million since year-end 2024.
Outlook and guidance
Full-year 2025 net profit guidance raised to DKK 375–425 million, up from DKK 250–350 million, due to higher activity, lower impairments, and stronger trading income.
Result expectations remain subject to uncertainty, mainly regarding loan impairments and securities price developments.
Quantify recurring drivers for 2025 outlook upgrade
Detail Swedish loan portfolio risk management
Plan to improve O/I ratio given rising costs?
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Next Lån & Spar Bank earnings date
Q4 20256 Feb, 2026
Next Lån & Spar Bank earnings date
Q4 20256 Feb, 2026
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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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