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Lån & Spar Bank
Lån & Spar Bank (LASP) investor relations material
Lån & Spar Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary6 Feb, 2026
Executive summary
2025 results met upgraded expectations, with earnings under pressure from lower interest rates but offset by strong customer growth and low loan losses.
High customer satisfaction and loyalty, with the bank again named Denmark's best bank by independent surveys.
Strategic focus on digitalization, sustainability, and expanding partnerships, including the sale of the SDC datacenter and new product launches.
Financial highlights
Net interest and fee income: DKK 1,495.1m, down 1.9% year-over-year.
Operating profit before impairments: DKK 513.7m, down DKK 147.4m from 2024.
Profit before tax: DKK 537.3m; net profit: DKK 411.3m (DKK 119 per share).
Return on equity before tax: 15.7%; after tax: 12.0%.
Cost/income ratio: 0.67.
Impairment charges: DKK 35.2m (0.1% of loans and guarantees), reflecting high credit quality.
Capital ratio: 22.7%; CET1 ratio: 22.1%.
Dividend proposed: DKK 20 per share.
Outlook and guidance
2026 net profit expected in the range of DKK 300–400m, assuming stable economic growth and interest rates.
Continued customer growth and business volume expansion anticipated.
Cost increases expected due to wage and price trends and ongoing strategic investments.
Guidance subject to geopolitical and market uncertainties.
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Next Lån & Spar Bank earnings date
Q1 20267 May, 2026
Lån & Spar Bank
Next Lån & Spar Bank earnings date
Q1 20267 May, 2026
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Frequently asked questions
Lån & Spar Bank A/S is a Denmark-based commercial bank offering a range of financial services to private individuals and organizations. The bank provides products including savings and checking accounts, loans, mortgages, credit cards, and investment services. It also offers digital banking solutions and insurance products through partnerships. Lån & Spar Bank primarily serves customers in Denmark, with a focus on cost-effective and personalized banking services. The company is headquartered in Copenhagen, Denmark, and its shares are listed on the OMX Copenhagen.
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