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Sydbank
Sydbank (SYDB) investor relations material
Sydbank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary25 Feb, 2026
Executive summary
Completed merger between Sydbank and AL Group, resulting in significant increases in assets, employees, and branches.
Profit for 2025 was DKK 1,893m, with a reported ROTE of 12.1% after tax; adjusted ROTE was 17.1%.
Core income for 2025 was DKK 7,174m, slightly down from DKK 7,227m in 2024, with added entities contributing DKK 483m.
Merger resulted in goodwill of DKK 7.7bn recognized as an intangible asset.
Financial highlights
Profit for 2025 was DKK 1,893m, down from DKK 2,762m in 2024.
Core income for 2025 was DKK 7,174m, compared to DKK 7,227m in 2024.
Costs (core earnings) increased to DKK 3,715m in 2025 from DKK 3,312m in 2024.
Impairment charges for loans and advances were DKK 297m in 2025, with DKK 161m as day-one loss.
Proposed dividend of DKK 25 per share, totaling DKK 2,145m.
Outlook and guidance
Profit after tax for 2026 is expected in the range of DKK 3,500–4,000m.
Forecast assumes stable Danish central bank rates; outlook subject to macroeconomic and market uncertainties.
Total merger-related costs in 2025
Total capital distribution planned for 2026
Total management reserve for macroeconomic risks
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Latest events from Sydbank
- Profit after tax was DKK 1,922m with 17.4% ROE and a transformative merger underway.SYDB
Q3 20255 Nov 2025 - H1 2025 profit was DKK 1,212m, with 16.7% ROE and a strong capital position.SYDBQ2 202527 Aug 2025
- Profit after tax was DKK 2,396m, with 4% core income growth and upgraded 2024 guidance.SYDBQ3 202413 Jun 2025
- Record profit, strong loan growth, and upgraded outlook highlight Sydbank's robust H1 2024.SYDBQ2 202413 Jun 2025
- Profit declined on lower income and higher costs, but capital strength and liquidity remain robust.SYDBQ1 20255 Jun 2025
- 2024 profit fell to DKK 2,762m as costs rose and impairments surged, with cautious 2025 outlook.SYDBQ4 20245 Jun 2025
Next Sydbank earnings date
Q1 20266 May, 2026
Sydbank
Next Sydbank earnings date
Q1 20266 May, 2026
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