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Sydbank (SYDB) investor relations material
Sydbank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary27 Aug, 2025
Executive summary
Profit after tax for H1 2025 was DKK 1,212m, with a return on equity of 16.7%, down from H1 2024, despite lower interest rates and global uncertainty.
Core income declined by 9% year-over-year to DKK 3,335m, mainly due to lower net interest income, partially offset by a 7% rise in other core income.
Costs (core earnings) increased by 6% to DKK 1,765m, primarily due to the Coop Bank acquisition and pay rises.
Customer satisfaction reached an all-time high, with a strong influx of new customers and increased lending and deposits.
CET1 ratio was 16.7%, supported by a DKK 1,350m share buyback program, with DKK 490m repurchased by end-June.
Financial highlights
Profit before tax was DKK 1,616m, down from DKK 2,156m in H1 2024, mainly due to a DKK 311m drop in core income.
Trading income for H1 2025 was DKK 127m, down 17% from H1 2024.
EPS for H1 2025 was DKK 23.3, down from 29.5 in H1 2024.
Impairment charges for loans and advances totaled DKK 97m in H1 2025, up from DKK 24m.
Loans and advances at amortised cost were DKK 82.7bn; deposits were DKK 121.8bn at end-June 2025.
Outlook and guidance
Profit after tax for 2025 is projected in the range of DKK 2,200–2,600m.
Moderate growth is expected for the Danish economy.
Outlook is subject to uncertainty from financial markets and macroeconomic factors, especially regarding impairment charges.
What offset H1 net interest income decline?
Which segment achieved highest customer satisfaction?
How does share buyback affect CET1 ratio?
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Q3 20255 Nov, 2025
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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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