Jyske Bank AS (LTS:0MGD)

Q3 2025 Jyske Bank A/S Earnings Call Transcript

Oct 29, 2025 / 01:00 PM GMT

Release Date Price: kr755.5 (+1.38%)

Transcript

Key Points

Positve

Jyske Bank AS (FRA:JYS1) reported its highest earnings per year for the first three quarters of 2025, with a 7% year-on-year growth in earnings per share.
The bank has upgraded its earnings outlook for 2025, targeting a net profit between 4.9 and 5.3 billion DKK.
Customer satisfaction has significantly improved, leading to increased personal, private banking, and business clients.
The bank maintains a strong credit quality with a low level of loan losses and solid postmotal adjustments to mitigate geopolitical risks.
The cost-to-income ratio is well below 50%, and the return on tangible equity is at 12%, indicating strong financial health.

Negative

There is a small dip in the CT1 ratio to 16.2% due to higher market, operational, and credit risks.
Bank lending has decreased by 1% in the quarter, indicating subdued growth in this area.
The bank faces inflationary pressures across all areas, with wage agreements up by 2.5%.
The net interest income is expected to bottom out in the next couple of quarters due to bond issuances.
There is uncertainty regarding the impact of the ALI bank merger on the wider Danish banking market, particularly in the corporate space.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

JYSK.CO - Jyske Bank A/S
Q3 2025 Jyske Bank A/S Earnings Call
Oct 29, 2025 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Hi everyone.

Thank you for joining us on Yuske Bank's conference call for the financial results for the 3rd quarter of 2025.

This is Simon Haubard from Investor Relations speaking with me. I have Yuske Bank CEO Lasmark and CFO Fon Nilsson.

Lars and you will walk you through our prepared remarks. Afterwards, we will open up for questions. I will now hand over to Lars.

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Unidentified_2 [2]
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Thank you, Simon. I would also like to welcome you to our conference call for QV 2025. I know that our figures have been awaited with somewhat less

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