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Skjern Bank
Skjern Bank (SKJE) investor relations material
Skjern 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
Profit before tax reached DKK 344.3 million, down 5.6% year-over-year, but considered satisfactory given lower interest rates and increased costs.
Net interest and fee income rose 4.1% to DKK 661.3 million, driven by higher fee income and customer growth.
Lending increased by 6.2% to DKK 7,393 million, and deposits grew by 16.9% to DKK 10,395 million.
Return on equity before tax was 18.5%, and after tax 13.2%, reflecting strong profitability.
Customer and employee satisfaction remained high, supporting business growth and stability.
Financial highlights
Core earnings were DKK 343.2 million, a 4.0% decrease from 2024.
Net interest income fell by 4.2% to DKK 404.2 million due to lower interest rates.
Fee income increased by 12.0% to DKK 226.3 million, with loan processing and securities trading as key drivers.
Exchange rate adjustments contributed DKK 22.9 million, down from DKK 38.0 million in 2024.
Staff and administration expenses rose 16.2% to DKK 325.8 million, reflecting branch expansion and new hires.
Impairment charges reduced to DKK 8.6 million, with a management estimate of DKK 100 million maintained for risk.
Dividend proposed at DKK 3.5 per share and share buyback of DKK 3.5 per share, totaling DKK 66.4 million or 26.9% of profit after tax.
Outlook and guidance
Profit before tax for 2026 is expected in the range of DKK 310-335 million.
Core earnings for 2026 are forecasted at DKK 315-335 million.
Lending growth in 2026 is projected at around 7%, with continued focus on private customers and risk diversification.
Capital coverage is expected to remain strong, with a long-term goal of a 5 percentage point surplus over requirements.
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Next Skjern Bank earnings date
Q1 20266 May, 2026
Skjern Bank
Next Skjern Bank earnings date
Q1 20266 May, 2026
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Frequently asked questions
Skjern Bank A/S is a regional bank based in Denmark, offering a variety of financial services to both private and corporate customers. The bank provides a range of loan products, including home, car, business, and mortgage loans, along with specialized loans for electric vehicles and renewable energy projects. In addition to its lending services, Skjern Bank offers savings accounts, leasing options, and pension funds. The bank also provides insurance products covering areas such as home, car, accident, and salary protection. Other services include advisory for real estate, international payments, and mobile banking. Skjern Bank is headquartered in Skjern, Denmark, and its shares are listed on the Copenhagen Stock Exchange.
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