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Danske Bank
Danske Bank (DANSKE) investor relations material
Danske Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary9 Feb, 2026
Executive summary
Record-high core banking income and strong commercial momentum drove net profit of DKK 23.0bn for 2025, with ROE at 13.3%.
Growth in lending volumes, expanded corporate customer base, and higher AuM supported performance.
Disciplined cost management and strong credit quality underpinned results.
Financial highlights
Net profit for 2025 reached DKK 23.0bn, with a cost/income ratio of 45.5%.
Total income for 2025 was DKK 56.8bn, up 1% year-over-year; Q4 income up 11% sequentially.
Net interest income remained stable at DKK 36.6bn, while net fee income hit a record DKK 15.4bn (+3% YoY).
Loan loss ratio was 2bps, with full-year impairments at DKK 294m, reflecting strong asset quality.
CET1 capital ratio stood at 17.6%, 280bps above requirements.
Outlook and guidance
2026 net profit expected in the range of DKK 22-24bn, with ROE above 13%.
Total income for 2026 projected at around DKK 58bn, with operating expenses between DKK 26-26.5bn.
Cost/income ratio targeted at ~45%; loan impairment charges expected around DKK 1bn.
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Latest events from Danske Bank
- Record profit, strong fee growth, and 100% payout; positive 2026 outlook with digital focus.DANSKE
Q4 20255 Feb 2026 - Net profit up 13% in H1 2024, guidance raised, and interim dividend declared.DANSKEQ2 20243 Feb 2026
- Net profit up 14% Y/Y, 2024 outlook raised, strong capital, and Norway exit to fund extra dividend.DANSKEQ3 202417 Jan 2026
- NII guided at DKK 36.5bn, costs at DKK 25.8bn, with insurance results at the lower end of range.DANSKEPre-Close Call10 Jan 2026
- Record 2024 profit, improved efficiency, and 100% capital distribution; 2025 profit seen lower.DANSKEQ4 20249 Jan 2026
- Q4 benefits from a tax gain and stable lending, offset by a Danica insurance provision.DANSKEPre-Close Call8 Jan 2026
- Strong macro trends, stable risk, and robust capital position with NII above DKK 35bn expected.DANSKEPre-Close Call20 Dec 2025
- Q1 2025 net profit up 2%, strong capital and credit quality, guidance and buybacks maintained.DANSKEQ1 202529 Nov 2025
- Q3 2025 net profit was DKK 16.7bn, with strong capital and a robust outlook.DANSKEQ3 20256 Nov 2025
Next Danske Bank earnings date
Pre-close call27 Mar, 2026
Danske Bank
Next Danske Bank earnings date
Pre-close call27 Mar, 2026
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