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Jyske Bank
Jyske Bank (JYSK) investor relations material
Jyske Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
Delivered 2025 results above guidance, with EPS up 18% year-over-year in Q4 and strong capital position.
Announced largest-ever capital distribution of DKK 4.5 billion, up 20% year-over-year.
Upgraded outlook for 2026, expecting EPS of DKK 71–85, reflecting normalized loan impairments and value adjustments.
Gained personal customers, increased mortgage market share, and maintained high customer satisfaction.
Green Asset Ratio (GAR) based on turnover is 4.46% and on CapEx is 4.66%, reflecting the proportion of environmentally sustainable assets in the total portfolio.
Financial highlights
Return on tangible equity reached 11.9% in 2025; cost/income ratio at 48%.
EPS for 2025 was DKK 85, with DKK 23 in both Q3 and Q4.
Net fee income rose 11% year-over-year; AUM increased 2% quarter-over-quarter.
Total environmentally sustainable assets (taxonomy-aligned) amount to DKK 30,053 million (turnover KPI) and DKK 31,438 million (CapEx KPI).
Mortgages up 1% quarter-over-quarter, driven by private individuals; bank lending up, mainly from corporates.
Outlook and guidance
2026 EPS guidance: DKK 71–85; net profit after tax DKK 4.3–5.1 billion.
Core income expected to decline in 2026, mainly due to lower value adjustments; core expenses to decrease slightly.
Loan impairment charges expected to rise modestly in 2026.
Capital targets set at CET1 ratio ~15% and total capital ratio ~20%.
Delayed ESG reporting impact on climate goals?
Capital impact of CRR III and buffer changes?
How will Jyske Bank improve cost/income ratio by 2028?
Bankdata cost savings: reinvest or realize?
Capital distribution split given market liquidity?
How will service model sustain mortgage market share?
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Next Jyske Bank earnings date
Q1 20266 May, 2026
Jyske Bank
Next Jyske Bank earnings date
Q1 20266 May, 2026
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Frequently asked questions
Jyske Bank A/S provides a range of financial solutions to personal and corporate clients, with a strong commitment to service. Jyske Bank A/S's vision is to become the leading affinity bank in Europe and it aims to achieve this by developing its network, putting clients first and providing them opportunities for investing and saving. To date, Jyske Bank has opened branches in Denmark, Great Britain, Poland, Germany, Finland, Sweden, the Czech Republic and Hungary. The company is based in Silkeborg, Denmark.
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