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Sparekassen Sjælland-Fyn (SPKSJF) investor relations material
Sparekassen Sjælland-Fyn Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary4 Nov, 2025
Executive summary
Result after tax for the first nine months of 2025 is DKK 478.0 million, matching the same period in 2024, with a return on equity of 13.3% p.a. Result before tax is DKK 603.8 million.
Total business volume grew 7% year-over-year to DKK 116.4 billion, with both loans and deposits up 9%.
The period saw a 6% increase in total income, mainly due to a DKK 70.8 million gain from the sale of a strategic equity stake.
The bank opened a new area center in Carlsberg Byen, Copenhagen, as part of its growth and modernization strategy.
Financial highlights
Net interest income fell 4% year-over-year to DKK 691.6 million, mainly due to lower interest rates.
Net fee and commission income rose 5% to DKK 478.6 million, driven by increased customer activity.
Operating expenses, including depreciation, increased 8% to DKK 738.9 million, impacted by rebranding and the new area center.
Basis income increased 1% to DKK 1,308.6 million despite the lower interest rate environment.
Basis earnings decreased to DKK 569.7 million from DKK 611.4 million, reflecting higher costs.
Cost/income ratio rose to 56.5% from 52.9% year-over-year.
Dividend per share is DKK 0.0 for the period.
Outlook and guidance
Full-year pre-tax profit guidance narrowed to DKK 750–800 million, reflecting continued strong earnings.
The bank aims to keep the cost/income ratio below 50% from 2026 and maintain a capital ratio above 20%.
Impact of strategic project closure on costs?
What drives the shift in loan credit quality?
Future capital structure optimization for NEP?
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Next Sparekassen Sjælland-Fyn earnings date
Q4 20257 Feb, 2026
Next Sparekassen Sjælland-Fyn earnings date
Q4 20257 Feb, 2026
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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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