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GrønlandsBANKEN
GrønlandsBANKEN (GRLA) investor relations material
GrønlandsBANKEN Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Profit before tax for Q1–Q3 2025 was DKK 132.5 million, down from DKK 193.6 million year-over-year, mainly due to lower interest rates and increased costs.
Lending increased by DKK 138 million to DKK 5,169 million, while guarantees decreased by DKK 114 million to DKK 1,309 million since end-2024.
Net interest and fee income fell by DKK 36.0 million to DKK 319.9 million, primarily due to lower market interest rates, partially offset by higher business volume.
Total expenses including depreciation rose to DKK 191.4 million, up from DKK 173.8 million, driven by staff and IT costs.
Value adjustments yielded a capital gain of DKK 13.6 million, down from DKK 22.6 million year-over-year.
Impairment write-downs on loans and guarantees were DKK 14.6 million, slightly lower than DKK 15.2 million in 2024.
Financial highlights
Net interest income for Q1–Q3 2025 was DKK 239.5 million, down 12% from DKK 274.1 million year-over-year.
Fee and commission income decreased by DKK 2.5 million, mainly due to lower payment settlement activity and guarantees.
Staff and administration expenses increased by DKK 18.1 million to DKK 182.0 million, mainly from staff and IT investments.
Profit before value adjustments and write-downs was DKK 133.4 million, compared to DKK 186.2 million in 2024.
Deposits at end-September 2025 were DKK 6,902 million, down 4% from end-2024.
Equity decreased to DKK 1,561 million after dividend payment and profit recognition.
Outlook and guidance
Full-year 2025 profit before tax is now expected at DKK 165–185 million, up from previous guidance of DKK 150–185 million.
Lending is expected to show moderate decline towards year-end, while deposits are expected to remain stable or slightly below end-2024 levels.
Total core income is expected to decrease in 2025 due to interest rate trends; expenses are expected to rise, mainly from IT and staff.
Impairment write-downs are expected to remain low but normalized.
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Next GrønlandsBANKEN earnings date
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Next GrønlandsBANKEN earnings date
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Frequently asked questions
GrønlandsBANKEN A/S operates as a financial institution, providing a range of banking services to individuals, businesses, and public institutions primarily in Greenland. The bank offers deposit and savings accounts, loans, mortgages, and various investment services. It also provides insurance products, payment services, and financial advisory support. GrønlandsBANKEN serves sectors such as retail, real estate, fisheries, and tourism, playing a significant role in the local economy. The company is headquartered in Nuuk, Greenland, and its shares are listed on the Copenhagen Stock Exchange.
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