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Danske Andelskassers (DAB) investor relations material
Danske Andelskassers Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary20 Nov, 2025
Executive summary
Result before tax for the first nine months of 2025 was DKK 235.0 million, a 13.6% decrease year-over-year, but still considered satisfactory.
Strong customer growth and high activity levels contributed to increased lending and fee income.
Strategic investments, including headquarters relocation and staff expansion, impacted costs.
Financial highlights
Net interest and fee income rose 4.6% to DKK 620.5 million compared to the same period in 2024.
Net fee and commission income increased by 11.1% to DKK 206.5 million.
Operating expenses grew by 7.5% to DKK 416.1 million, mainly due to strategic initiatives.
Loan impairment charges were a net reversal of DKK 20.0 million, reflecting strong credit quality.
Lending increased by 7.6% to DKK 8,520 million; deposits rose by 10.4% to DKK 11,152 million.
Capital ratio improved to 31.6% from 29.6% a year earlier.
Outlook and guidance
Guidance for 2025 was raised three times, with pre-tax profit now expected at DKK 260–300 million and core earnings at DKK 205–235 million.
Expectations remain subject to significant uncertainties, including strategy execution and external risks.
Future earnings impact of 2030 strategy
Explain dividend impact on value adjustments.
Impact of trade war on credit risk and overlays.
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Next Danske Andelskassers earnings date
Q4 202520 Feb, 2026
Next Danske Andelskassers earnings date
Q4 202520 Feb, 2026
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Frequently asked questions
Danske Andelskassers Bank is a Denmark-based regional bank that offers a range of financial services to private individuals, small and medium-sized enterprises, and agricultural customers. The bank provides products including savings and checking accounts, personal and business loans, mortgages, investment services, and insurance. It operates through a network of local branches primarily in Jutland and emphasizes personalized customer service. Danske Andelskassers Bank is headquartered in Hammershøj, Denmark, and its shares are listed on the OMX Copenhagen.
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