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Skjern Bank (SKJE) investor relations material
Skjern Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary14 Aug, 2025
Executive summary
Result before tax for H1 2025 was DKK 168.7m, down 10.7% year-over-year, but considered satisfactory given interest rate declines.
Customer growth and increased business activity led to a 5.9% rise in loans and 12.6% increase in deposits compared to H1 2024.
The CEO transitioned at the end of June 2025, with Thomas Baun appointed as the new CEO.
Basis result was DKK 178.1m, a 6.2% decrease year-over-year, in line with expectations.
Cost increases were driven by staff expansion, IT, and marketing to support organic growth.
Financial highlights
Net interest and fee income rose 2.9% to DKK 337.5m year-over-year.
Net interest income fell by DKK 10.7m to DKK 201.2m compared to H1 2024.
Net fee and commission income increased to DKK 111.6m from DKK 99.5m year-over-year.
Dividend income grew to DKK 24.7m from DKK 16.4m year-over-year.
Operating expenses rose by DKK 25.5m (18.5%) to DKK 163.2m.
Outlook and guidance
Full-year basis result guidance maintained at DKK 290–310m; pre-tax result expected at the top of DKK 280–310m range.
Loan growth for the full year is expected at 4–6%.
Continued pressure on interest margins anticipated due to competition and potential rate cuts.
How did Per Munck's retirement impact Q2?
Why did the bank increase IT spending?
What is the bank's view on future rate pressure?
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Next Skjern Bank earnings date
Q3 202530 Oct, 2025
Next Skjern Bank earnings date
Q3 202530 Oct, 2025
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Frequently asked questions
Skjern Bank A/S is a regional bank based in Denmark, offering a variety of financial services to both private and corporate customers. The bank provides a range of loan products, including home, car, business, and mortgage loans, along with specialized loans for electric vehicles and renewable energy projects. In addition to its lending services, Skjern Bank offers savings accounts, leasing options, and pension funds. The bank also provides insurance products covering areas such as home, car, accident, and salary protection. Other services include advisory for real estate, international payments, and mobile banking. Skjern Bank is headquartered in Skjern, Denmark, and its shares are listed on the Copenhagen Stock Exchange.
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