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Sydbank (SYDB) investor relations material
Sydbank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary5 Nov, 2025
Executive summary
Profit after tax for 9M 2025 was DKK 1,922m, with a return on equity (ROE) of 17.4% p.a., reflecting strong customer growth and satisfaction across all segments despite macroeconomic uncertainty.
Core income declined by 8% year-over-year to DKK 4,986m, while trading income was DKK 204m.
Costs (core earnings) increased by 5% to DKK 2,576m compared to 9M 2024.
A merger agreement was reached with Arbejdernes Landsbank and Vestjysk Bank, forming AL Sydbank, expected to be among Denmark's five largest banks.
Share buyback programme completed with DKK 1,000m repurchased by 27 October 2025, terminated early due to the merger.
Financial highlights
Net interest income fell by 18% year-over-year, while mortgage credit and asset management income rose by 9% and 16%, respectively.
Trading income for Q3 2025 was DKK 63m, up 22% sequentially.
Impairment charges for loans and advances totaled DKK 115m for 9M 2025, with DKK 18m in Q3.
Loans and advances at amortised cost rose to DKK 83.3bn; deposits increased to DKK 119.1bn.
CET1 ratio stood at 17.3% at the end of Q3 2025; capital ratio at 21.1%.
Outlook and guidance
Profit after tax for 2025 is expected in the range of DKK 2,400–2,600m, subject to financial market and macroeconomic developments.
Outlook remains sensitive to impairment charges and macroeconomic uncertainties.
What is the Q4 2025 capital ratio impact from merger?
What is the expected net interest income trend?
What factors increased the individual solvency need?
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Frequently asked questions
Sydbank is a Danish bank that provides a broad range of financial services to individuals, businesses, and institutions. The company offers personal banking products such as loans, savings accounts, and insurance, as well as investment and wealth management services. For corporate clients, Sydbank delivers solutions including financing, cash management, and risk management services. The bank also supports small and medium-sized enterprises (SMEs) with tailored financial advice and solutions. In addition, Sydbank engages in investment banking, providing services like securities trading and asset management. The company is headquartered in Aabenraa, Denmark, and its shares are listed on the Copenhagen Stock Exchange.
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