Earnings per share outlook for 2025 raised to c. DKK 85

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Core profit and net profit for the period (DKKm)	FY 2025	FY 2024	Index 25/24	Q4 2025	Q3 2025	Q2 2025	Q1 2025	Q4 2024
Net interest income	8,842	9,544	93	2,213	2,187	2,204	2,238	2,269
Net fee and commission income	3,039	2,738	111	966	689	658	726	902
Value adjustments	1,376	1,063	129	420	511	263	182	172
Other income	300	180	167	98	33	118	51	12
Income from operating lease (net)	97	168	58	15	19	31	32	31
Core income	13,654	13,693	100	3,712	3,439	3,274	3,229	3,386
Core expenses	6,591	6,402	103	1,859	1,537	1,662	1,533	1,634
Core profit before loan impairment charges	7,063	7,291	97	1,853	1,902	1,612	1,696	1,752
Loan impairment charges	2	21	10	24	25	-113	66	8
Core profit	7,061	7,270	97	1,829	1,877	1,725	1,630	1,744
Investment portfolio earnings	196	-14	-	69	52	7	68	-33
Pre-tax profit before non-recurring items	7,257	7,256	100	1,898	1,929	1,732	1,698	1,711
Non-recurring items, Handelsbanken DK/PFA Bank	0	-91	-	0	0	0	0	-18
Pre-tax profit	7,257	7,165	101	1,898	1,929	1,732	1,698	1,693
Tax	1,843	1,853	99	476	474	451	442	425
Net profit for the period	5,414	5,312	102	1,422	1,455	1,281	1,256	1,268
Interest expense on additional tier 1 capital, recognised on equity	264	262	101	66	67	66	65	66

Summary of balance sheet, end of period (DKKbn)
Loans and advances	577.2	567.2	102	577.2	572.9	574.3	566.9	567.2
- of which mortgage loans	377.3	365.8	103	377.3	375.9	372.2	366.7	365.8
- of which bank loans	141.0	144.7	97	141.0	140.4	141.6	144.7	144.7
- of which repo loans	58.9	56.7	104	58.9	56.6	60.5	55.5	56.7
Bonds and shares, etc.	114.7	98.7	116	114.7	114.7	110.8	109.0	98.7
Total assets	777.1	750.2	104	777.1	745.1	766.8	782.3	750.2

Deposits	208.1	198.9	105	208.1	201.3	197.1	198.5	198.9
- of which bank deposits	196.5	190.2	103	196.5	190.5	189.7	191.1	190.2
- of which repo and triparty deposits	11.6	8.7	133	11.6	10.8	7.4	7.4	8.7
Issued bonds at fair value	374.9	362.2	104	374.9	368.9	368.4	368.4	362.2
Issued bonds at amortised cost	65.4	66.6	98	65.4	53.2	64.0	65.9	66.6

Subordinated debt	11.4	7.6	150	11.4	11.4	7.7	7.7	7.6
Holders of AT1 capital	4.9	4.9	100	4.9	4.9	4.9	4.9	4.9
Shareholders' equity	47.4	45.7	104	47.4	46.7	46.0	45.3	45.7

Summary by AI ^BETAClose X

Companies

UK 100

Latest directors dealings

Earnings per share outlook for 2025 raised to c. DKK 85

Summary by AI BETAClose X

Companies

UK 100

Latest directors dealings

Summary by AI ^BETAClose X