Mogelijk gemaakt door 
Translate
Translate
Jyske Bank expects a net profit of c. DKK 5.4bn in 2025, corresponding to earnings per share of c. DKK 85. Previously, expectations were for a net profit of DKK 4.9bn-5.3bn, corresponding to earnings per share of DKK 77-84.
The improved outlook is driven by a broadly based positive development, supported by a high level of activity and favorable financial markets.
Core profit and net profit for the period (DKKm) | FY | FY | Index | Q4 | Q3 | Q2 | Q1 | Q4 |
Net interest income | 8,842 | 9,544 | 93 | 2,213 | 2,187 | 2,204 | 2,238 | 2,269 |
Net fee and commission income | 3,039 | 2,738 | 111 | 966 | 689 | 658 | 726 | 902 |
Value adjustments | 1,376 | 1,063 | 129 | 420 | 511 | 263 | 182 | 172 |
Other income | 300 | 180 | 167 | 98 | 33 | 118 | 51 | 12 |
Income from operating lease (net) | 97 | 168 | 58 | 15 | 19 | 31 | 32 | 31 |
Core income | 13,654 | 13,693 | 100 | 3,712 | 3,439 | 3,274 | 3,229 | 3,386 |
Core expenses | 6,591 | 6,402 | 103 | 1,859 | 1,537 | 1,662 | 1,533 | 1,634 |
Core profit before loan impairment charges | 7,063 | 7,291 | 97 | 1,853 | 1,902 | 1,612 | 1,696 | 1,752 |
Loan impairment charges | 2 | 21 | 10 | 24 | 25 | -113 | 66 | 8 |
Core profit | 7,061 | 7,270 | 97 | 1,829 | 1,877 | 1,725 | 1,630 | 1,744 |
Investment portfolio earnings | 196 | -14 | - | 69 | 52 | 7 | 68 | -33 |
Pre-tax profit before non-recurring items | 7,257 | 7,256 | 100 | 1,898 | 1,929 | 1,732 | 1,698 | 1,711 |
Non-recurring items, Handelsbanken DK/PFA Bank | 0 | -91 | - | 0 | 0 | 0 | 0 | -18 |
Pre-tax profit | 7,257 | 7,165 | 101 | 1,898 | 1,929 | 1,732 | 1,698 | 1,693 |
Tax | 1,843 | 1,853 | 99 | 476 | 474 | 451 | 442 | 425 |
Net profit for the period | 5,414 | 5,312 | 102 | 1,422 | 1,455 | 1,281 | 1,256 | 1,268 |
Interest expense on additional tier 1 capital, | 264 | 262 | 101 | 66 | 67 | 66 | 65 | 66 |
|
|
|
|
|
|
|
|
|
Summary of balance sheet, end of period (DKKbn) |
|
|
|
|
|
|
|
|
Loans and advances | 577.2 | 567.2 | 102 | 577.2 | 572.9 | 574.3 | 566.9 | 567.2 |
- of which mortgage loans | 377.3 | 365.8 | 103 | 377.3 | 375.9 | 372.2 | 366.7 | 365.8 |
- of which bank loans | 141.0 | 144.7 | 97 | 141.0 | 140.4 | 141.6 | 144.7 | 144.7 |
- of which repo loans | 58.9 | 56.7 | 104 | 58.9 | 56.6 | 60.5 | 55.5 | 56.7 |
Bonds and shares, etc. | 114.7 | 98.7 | 116 | 114.7 | 114.7 | 110.8 | 109.0 | 98.7 |
Total assets | 777.1 | 750.2 | 104 | 777.1 | 745.1 | 766.8 | 782.3 | 750.2 |
|
|
|
|
|
|
|
|
|
Deposits | 208.1 | 198.9 | 105 | 208.1 | 201.3 | 197.1 | 198.5 | 198.9 |
- of which bank deposits | 196.5 | 190.2 | 103 | 196.5 | 190.5 | 189.7 | 191.1 | 190.2 |
- of which repo and triparty deposits | 11.6 | 8.7 | 133 | 11.6 | 10.8 | 7.4 | 7.4 | 8.7 |
Issued bonds at fair value | 374.9 | 362.2 | 104 | 374.9 | 368.9 | 368.4 | 368.4 | 362.2 |
Issued bonds at amortised cost | 65.4 | 66.6 | 98 | 65.4 | 53.2 | 64.0 | 65.9 | 66.6 |
|
|
|
|
|
|
|
|
|
Subordinated debt | 11.4 | 7.6 | 150 | 11.4 | 11.4 | 7.7 | 7.7 | 7.6 |
Holders of AT1 capital | 4.9 | 4.9 | 100 | 4.9 | 4.9 | 4.9 | 4.9 | 4.9 |
Shareholders' equity | 47.4 | 45.7 | 104 | 47.4 | 46.7 | 46.0 | 45.3 | 45.7 |
Note: Q4 2025 includes a one‑off income related to net interest income of DKK 38m due to tax matters as well as a one‑off expense covering up to DKK 200m of expected expenses for the expansion of Bankdata.
Jyske Bank's Annual Report for 2025 is expected to be published on 5 February 2026.
Yours faithfully,
Jyske Bank
Contact: Birger Krøgh Nielsen, CFO, tel. +45 89 89 64 44.
Attachment
