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Sparekassen Sjælland-Fyn
Sparekassen Sjælland-Fyn (SPKSJF) investor relations material
Sparekassen Sjælland-Fyn 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
Achieved highest total income in 200-year history at DKK 679.0 million, up 4% year-over-year, driven by strong business growth and increased fee income.
Net profit after tax was DKK 611.6 million, a 2% decrease from the record year 2024, with return on equity at 12.7%.
Business volume grew 9% to DKK 119.6 billion, with loans up 12% and deposits up 10%.
Net interest income fell 4% due to lower interest rates, but fee and commission income rose 6%.
Operating expenses increased 9%, mainly due to one-off costs for rebranding, new locations, and staff adjustments.
Financial highlights
Total income: DKK 679.0 million (+4% YoY).
Net interest income: DKK 921.1 million (-4% YoY).
Net fee and commission income: DKK 638.7 million (+6% YoY).
Operating expenses: DKK 1,011.1 million (+9% YoY), with underlying increase of ~2% excluding one-offs.
Net profit after tax: DKK 611.6 million (-2% YoY).
Business volume: DKK 119.6 billion (+9% YoY).
Loans: DKK 14.4 billion (+12% YoY); Deposits: DKK 24.2 billion (+10% YoY).
Dividend proposed: DKK 11.0 per share, highest since 2015 IPO.
Outlook and guidance
2026 pre-tax profit expected in the range of DKK 675–800 million, assuming stable interest rates, continued business growth, lower cost ratio, positive market adjustments, and higher loan loss provisions.
Targeting 8–10% growth in business volume and further reduction in cost/income ratio.
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Next Sparekassen Sjælland-Fyn earnings date
Q1 20267 May, 2026
Sparekassen Sjælland-Fyn
Next Sparekassen Sjælland-Fyn earnings date
Q1 20267 May, 2026
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Frequently asked questions
Sparekassen Sjælland-Fyn A/S is a Danish savings bank that offers a wide range of financial products and services to both private and corporate customers. The bank's offerings include residence and car loans, savings products, mortgage, overdrafts, pension products, asset management services, and investment and insurance products. Additionally, Sparekassen Sjælland-Fyn provides digital banking solutions through its online and mobile banking services. The company is headquartered in Holbæk, Denmark, and its shares are listed on the Copenhagen Stock Exchange.
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