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Møns Bank (MNBA) investor relations material
Møns Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary20 Nov, 2025
Executive summary
Profit before tax reached DKK 43.1 million, down 50.2% year-over-year, in line with expectations amid lower interest rates and planned growth costs.
Net profit after tax was DKK 39.0 million, compared to DKK 65.8 million in the same period last year.
Management expressed satisfaction with the underlying operating performance and basis earnings.
Financial highlights
Net fee and commission income increased by 7.6% due to higher business volume.
Basis earnings were DKK 40.5 million, down from DKK 65.7 million year-over-year.
Positive market value adjustments totaled DKK 16.3 million, a 26.7% decrease from last year.
Impairments on loans and receivables amounted to DKK 13.7 million, up from DKK 1.4 million last year.
Total assets increased to DKK 5,329 million from DKK 4,863 million a year earlier.
Outlook and guidance
Basis earnings for 2025 are expected in the range of DKK 40–60 million.
Pre-tax profit guidance for 2025 is DKK 40–70 million, with significant uncertainty tied to loan impairments and market value adjustments.
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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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