The earnings call presented a mixed view with strong financial performance and capital position but faced challenges in fee and insurance income. Continued growth and strategic execution were highlighted, alongside concerns about market volatility and income pressures.

Company Guidance

During the call, Danske Bank's management provided guidance on several key metrics, reflecting their financial performance and strategic direction. For the first half of 2025, the bank achieved a net profit of DKK 11.2 billion, with a return on shareholders' equity of 13%. Lending increased by 5% year-on-year, while deposits grew by 3%. The cost-to-income ratio was maintained at approximately 45%, aligning with the bank's 2026 financial targets. Despite a slightly lower net income from the insurance business and increased loan impairment charges, the bank reiterated its net profit outlook for the full year to be between DKK 21 billion and DKK 23 billion. Operating expenses are expected to remain within the DKK 26 billion target, and loan impairment charges are projected to be around DKK 1 billion. The bank's CET1 ratio improved to 18.7%, with a target of maintaining above 16%. Danske Bank continues to focus on its growth strategy across Nordic markets, leveraging investments in technology and advisory services to enhance customer engagement and market share.

Solid Net Profit and Return on Equity

Danske Bank reported a net profit of DKK 11.2 billion and a return on shareholders' equity of 13% for the first half of 2025.

Increased Lending and Deposit Growth

Lending increased by 5% year-on-year, and deposits grew by 3%, primarily in the large corporate and retail business segments.

Market Share Gains in Corporate Lending

Improved market share for corporate lending across all Nordic countries was achieved, reflecting the success of the bank's Nordic growth strategy.

Stable Operating Expenses

Operating expenses were stable due to prudent cost management, contributing to a cost/income ratio in line with the target level of 45%.

Strong Capital Position

CET1 ratio increased to 18.7%, supported by solid capital generation, and the bank plans to maintain a CET1 ratio above 16%.

Danske Bank (DNKEY) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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DNKEY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 31, 2025	2025 (Q3)	0.51 / -	0.524	―	―	―
Jul 18, 2025	2025 (Q2)	0.51 / 0.52	0.496	3.83% (+0.02)
May 02, 2025	2025 (Q1)	0.48 / 0.53	0.476	10.50% (+0.05)
Feb 07, 2025	2024 (Q4)	0.43 / 0.50	0.485	2.89% (+0.01)
Oct 31, 2024	2024 (Q3)	0.49 / 0.52	0.439	19.36% (+0.09)
Jul 19, 2024	2024 (Q2)	0.47 / 0.50	0.433	14.55% (+0.06)
May 03, 2024	2024 (Q1)	0.47 / 0.48	0.444	7.21% (+0.03)
Feb 02, 2024	2023 (Q4)	0.46 / 0.48	0.359	35.10% (+0.13)
Oct 27, 2023	2023 (Q3)	0.42 / 0.44	-1.088	140.35% (+1.53)
Jul 21, 2023	2023 (Q2)	0.41 / 0.43	0.137	216.06% (+0.30)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

DNKEY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 18, 2025	$19.73	$19.89	+0.81%
May 02, 2025	$17.35	$18.54	+6.86%
Feb 07, 2025	$14.49	$15.59	+7.59%
Oct 31, 2024	$13.32	$13.72	+3.00%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Danske Bank A/S (DNKEY) report earnings?

Danske Bank A/S (DNKEY) is schdueled to report earning on Oct 31, 2025, TBA (Confirmed).

What is Danske Bank A/S (DNKEY) earnings time?

Danske Bank A/S (DNKEY) earnings time is at Oct 31, 2025, TBA (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is DNKEY EPS forecast?

DNKEY EPS forecast for the fiscal quarter 2025 (Q3) is 0.51.

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