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Nordfyns Bank (NRDF) investor relations material
Nordfyns Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Result before tax for H1 2025 was DKK 34.8 million, with net profit at DKK 25.6 million, in line with expectations.
One-off costs related to potential mergers impacted results, while loan impairment needs were low and contributed positively.
Management considers the result satisfactory and highlights ongoing merger discussions with Fynske Bank and Middelfart Sparekasse.
Financial highlights
Net interest and fee income fell to DKK 132.6 million from DKK 146.5 million year-over-year.
Operating expenses rose to DKK 105.2 million from DKK 92.9 million, mainly due to merger-related one-off costs.
Loan impairments contributed a net income of DKK 5.5 million, down from DKK 8.9 million last year.
Net profit per share was DKK 16, down from DKK 29 year-over-year.
Outlook and guidance
Full-year 2025 pre-tax profit is expected in the range of DKK 55–85 million, unchanged from previous guidance.
Outlook is subject to macroeconomic uncertainty, interest rate developments, and market volatility.
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