Møns Bank
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Møns Bank (MNBA) investor relations material

Møns Bank Q4 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q4 2025 earnings summary25 Feb, 2026

Executive summary

  • Profit before tax for 2025 was DKK 59.3 million, down from DKK 107.3 million in 2024, in line with expectations and impacted by lower interest rates and planned growth-related costs.

  • Net profit after tax was DKK 51.9 million, compared to DKK 83.8 million the previous year.

  • The board proposes a dividend of DKK 8 million, representing 15.4% of net profit.

  • Customer base grew by 928 to 22,937, with significant growth in the primary market area.

  • A new branch was opened in Køge in September 2025, contributing to loan growth.

Financial highlights

  • Net interest and fee income was DKK 236.5 million, a decrease of 3.1% year-over-year.

  • Operating expenses rose by 13.5% to DKK 185.5 million, mainly due to investments in staff and IT.

  • Loan portfolio increased by 18.8% to DKK 1,907 million; deposits rose by 11.4% to DKK 4,578 million.

  • Guarantees increased by 43.2% to DKK 831 million; mortgage loan mediation grew by 6.1%.

  • Basis earnings fell 36.5% to DKK 51.3 million.

  • Capital ratio was 23.6%, down from 28.3% last year.

  • LCR was 479.4%, indicating strong liquidity.

Outlook and guidance

  • 2026 is expected to be influenced by macroeconomic and geopolitical uncertainties.

  • Basis earnings for 2026 are forecast at DKK 35–55 million; pre-tax profit expected at DKK 40–60 million.

  • Continued high growth anticipated, especially from the new Køge branch.

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Frequently asked questions

Møns Bank is a Denmark-based financial institution that offers banking services to private individuals, small and medium-sized enterprises, and agricultural clients. The bank provides a range of products including savings and checking accounts, personal and business loans, mortgages, investment services, and insurance. It operates primarily in southeastern Denmark through a network of local branches, emphasizing personalized service and regional engagement. Møns Bank is headquartered in Stege, Denmark, and its shares are listed on the OMX Copenhagen.

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