Jyske Bank A/S Ord (JYSKF) Q2 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:04.217 Hi, everyone. Thank you for joining us on Jyske Bank's conference call for the financial 00:00:04.217 -- 00:00:08.102 results for the second quarter of 2025. This is Simon 00:00:08.102 -- 00:00:13.429 Haubart from Investor Relations speaking. With me, I have Jyske Bank CEO Lars Merck and 00:00:13.429 -- 00:00:18.235 CFO Bjorn Nielsen. Lars and Bjorn will walk you through our prepared remarks. 00:00:18.235 -- 00:00:23.479 Afterwards, we'll open up for questions. I'll now hand over to Lars. 00:00:24.003 -- 00:00:28.051 Thank you, Simon. And welcome to all of you on this call. 00:00:28.051 -- 00:00:32.096 Much appreciated that you're taking the time to dial in. 00:00:32.096 -- 00:00:37.202 We've had another solid quarter of 2025, building upon 00:00:37.202 -- 00:00:41.507 the positive momentum from recent borders and growing earnings per share compared to 00:00:41.507 -- 00:00:47.134 the year before, despite the significantly lower short-term interest rates. 00:00:47.134 -- 00:00:51.719 On the back of the positive development in the first half of the year, we are now targeting 00:00:51.719 -- 00:00:55.617 the upper end of our outlook for 2025. 00:00:55.617 -- 00:00:58.760 We continue to improve customer satisfaction in all areas. 00:00:58.760 -- 00:01:03.025 In Q2, upright banking customer satisfaction was the highest in Denmark for the 10th 00:01:03.025 -- 00:01:08.431 consecutive year. Additionally, the satisfaction of corporate and business clients 00:01:08.431 -- 00:01:12.015 with 20 plus employees is also the highest. 00:01:12.015 -- 00:01:16.861 And personal customer satisfaction is showing a very strong momentum already reaching 00:01:16.861 -- 00:01:19.183 our 2028 target 00:01:19.183 -- 00:01:24.276 level with the top three p...