Jyske Bank A/S Ord (JYSKF) Q3 2025 Earnings Call

Investor webinar replay

Watch the replay and follow the connected company analysis, news, and investor updates for Jyske Bank A/s.

Watch the replay

Replay transcript excerpt

WEBVTT 00:00:00.031 -- 00:00:04.336 Hi, everyone. Thank you for joining us on Yusuke Bank's conference call for the financial 00:00:04.336 -- 00:00:07.778 results for the third quarter of 2025. 00:00:07.901 -- 00:00:10.544 This is Simon Hauwaert from Investor Relations speaking. 00:00:10.544 -- 00:00:15.690 With me, I have Yusuke Bank CEO Lars Merck and CFO Bjørn Nielsen. 00:00:15.690 -- 00:00:18.294 Lars and Bjørn will walk you through our prepared remarks. 00:00:18.294 -- 00:00:20.236 Afterwards, we will open up for questions. 00:00:20.236 -- 00:00:23.237 I will now hand over to Lars. 00:00:23.400 -- 00:00:29.465 Thank you, Simon. I would also like to welcome you to our conference call for Q3 2025. 00:00:29.613 -- 00:00:34.919 I know that our figures have been awaited with somewhat less anticipation than normally. 00:00:34.919 -- 00:00:40.366 And in that light, I'm extra pleased that you've decided to spend time with us here. 00:00:40.366 -- 00:00:45.171 We've had a strong 2025 so far, reaching our highest earnings per share for the first 00:00:45.171 -- 00:00:50.578 three quarters of a year. This builds on the positive momentum from recent quarters 00:00:50.578 -- 00:00:55.744 with earnings per share growing 7% year-on-year in Q3, despite the backdrop of 00:00:55.744 -- 00:00:59.347 significantly lower short-term interest rates. 00:00:59.347 -- 00:01:04.633 Based on this positive development, we have upgraded our earnings outlook for 2025, 00:01:04.633 -- 00:01:11.080 now targeting a net profit of between 4.9 and 5.3 billion Danish. 00:01:11.080 -- 00:01:16.145 We are also making progress on key initiatives with focused cost management while improving 00:01:16.145 -- 00:01:20.630 both personal business and corporate customer satisfaction significantly. 00:01:20.63...