)

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.
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.
Next Sparekassen Sjælland-Fyn earnings date

Next Sparekassen Sjælland-Fyn earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage