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Vestjysk Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary25 Nov, 2025
Executive summary
Net profit after tax for the first nine months of 2025 reached DKK 555 million, down from DKK 703 million year-over-year, with a return on equity of 10.2% p.a.
Loan growth of 7.2% and deposit growth of 5.4% were achieved, with over 4,000 new customers added, mainly driven by private mortgage lending.
All financial targets were met except for the cost/income ratio, which was 52.1% versus a target of 50%.
Announced a merger agreement with Sydbank and Arbejdernes Landsbank, with Sydbank as the continuing entity under the new name AL Sydbank A/S, pending shareholder and regulatory approval.
Financial highlights
Net interest income for the period was DKK 844 million, down DKK 87 million year-over-year.
Net fee income increased to DKK 445 million from DKK 423 million in the prior year.
Profit before tax was DKK 938 million, compared to DKK 711 million in the same period last year.
Operating expenses and depreciation increased to DKK 781 million, mainly due to higher staff costs.
Cost/income ratio rose to 52.1% from 45.8%.
Outlook and guidance
Full-year 2025 net profit after tax is expected to be DKK 700–800 million, at the upper end of the previously announced range.
Financial targets for 2025 include a minimum 9.0% return on equity after tax, cost/income ratio below 50, and core capital ratio of at least 16.0%.
Dividend payout ratio is targeted between 25% and 50% of annual net profit.
What is the timeline for merger approvals
Why did the cost ratio exceed target
How does the BEC rating model change affect risk
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Next Vestjysk Bank earnings date
Q4 20254 Feb, 2026
Next Vestjysk Bank earnings date
Q4 20254 Feb, 2026
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Frequently asked questions
Vestjysk Bank provides a range of banking services to individuals, businesses, and agricultural clients. The bank's offerings include traditional banking products such as savings accounts, loans, mortgages, and payment services. It also provides advisory services related to investments, insurance, and pension planning. Vestjysk Bank operates primarily within Denmark, with a focus on supporting local communities and enterprises, especially within the agricultural sector. The company emphasizes close customer relationships, tailoring its financial solutions to meet the specific needs of its clients. The company is headquartered in Lemvig, Denmark, and its shares are listed on the Copenhagen Stock Exchange.
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