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Sparekassen Sjælland-Fyn (SPKSJF) investor relations material
Sparekassen Sjælland-Fyn 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 after tax increased 3% year-over-year to DKK 321.6 million, with a return on equity of 13.4% p.a.
Total income after tax rose 16% year-over-year, positively impacted by a DKK 70.8 million gain from the sale of a strategic stake in Nordfyns Bank.
Business volume grew 6% to DKK 113.8 billion, with loans up 8% to DKK 13.7 billion.
Name change to SJF Bank was well received and executed as planned.
Financial highlights
Net interest income fell 4% year-over-year to DKK 460.4 million due to lower general interest rates.
Net fee and commission income increased 3% to DKK 322.5 million, reflecting higher customer activity.
Operating expenses including depreciation rose 5% to DKK 487.7 million, mainly from higher wages, IT, and PR costs.
Basis earnings held steady at DKK 875.1 million despite the interest rate environment.
Result before tax was DKK 409.1 million, down 1% year-over-year.
Outlook and guidance
2025 pre-tax profit guidance was raised on July 9, 2025, to DKK 700–800 million, up from DKK 625–750 million, driven by strong Q2 growth and better-than-expected credit and market developments.
Assess impact of lower interest rates on 2025.
Explain the IT and PR cost increases.
What is the status of the 2025 goals?
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Next Sparekassen Sjælland-Fyn earnings date
Q3 20254 Nov, 2025
Next Sparekassen Sjælland-Fyn earnings date
Q3 20254 Nov, 2025
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Frequently asked questions
Sparekassen Sjælland-Fyn A/S is a Danish savings bank that offers a wide range of financial products and services to both private and corporate customers. The bank's offerings include residence and car loans, savings products, mortgage, overdrafts, pension products, asset management services, and investment and insurance products. Additionally, Sparekassen Sjælland-Fyn provides digital banking solutions through its online and mobile banking services. The company is headquartered in Holbæk, Denmark, and its shares are listed on the Copenhagen Stock Exchange.
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