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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.
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Q2 2025 earnings summary28 Aug, 2025

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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Frequently asked questions

Nordfyns Bank A/S is a Denmark-based regional bank offering a range of financial services to private individuals, small and medium-sized enterprises, and institutional clients. The bank’s services include deposits, loans, mortgages, investment products, insurance, and digital banking solutions. Nordfyns Bank operates through a network of branches primarily located on the island of Funen and surrounding areas, providing personalized banking and financial advisory services. The company is headquartered in Odense, Denmark, and its shares are listed on the OMX Copenhagen.

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