Financial results - first nine months 2018


Return on equity after tax

DKK 11.6 bn

Net profit

"The business developed largely as expected in the first nine months. We continued to achieve lending growth across the Nordic countries on the back of positive developments in the Nordic economies, and there was solid lending activity among both retail and commercial customers. Credit quality also remained solid, and net interest and net fee income were in line with the year-earlier levels despite increased pressure on margins. However, total income was affected by the uncertainty in the financial markets."
Jesper Nielsen

Interim Chief Executive Officer

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Find the most relevant files

  • 01. nov 2018Interim report - first nine months 2018
  • 01. nov 2018Conference call presentation - first nine months 2018
  • 01. nov 2018Fact Book Q3 2018
  • 01. nov 2018One-off items Q3 2018
  • 05. nov 2018Speech from conference call - first nine months 2018
  • 01. nov 2018Audio from conference call - first nine months 2018
  • 01. nov 2018Financial statements Q3 2018
  • 01. nov 2018Additional Pillar 3 disclosures Q3 2018
  • 01. nov 2018Internal Capital Adequacy Assessment - first nine months 2018
  • 01. nov 2018Supervisory Diamond - first nine months 2018
  • 02. feb 2018Risk Management 2017
  • 02. feb 2018CR Report 2017
  • 02. feb 2018CR Fact Book 2017
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Outlook 2018

The outlook for 2018 is revised downwards to a net profit of around DKK 15 billion. We previously expected net profit for 2018 to be in the range of DKK 16-17 billion.

The revision is made in view of the challenging conditions on the financial markets in the fourth quarter of 2018, which have an adverse effect on net trading income on the rates markets as well as on performance fees. In addition, our Non-core unit is adversely affected by a DKK 0.2 billion value adjustment. The outlook for all other financial statement items, including net interest income, is unchanged.

The outlook remains subject to uncertainty.

Facts & figures

Our financial Fact Book is updated every quarter. It covers financial statistics, key statistics and macroeconomics.



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eBanking, Mobile and Tablet Banking customers

One-off items

(DKK millions)Q1 2018Q2 2018Q3 2018Q4 20182018 YTD
Reported pre-tax profit6,2025,4873,588 15,278
One-off items, in sum00-1,500 -1,500
Adjusted pre-tax profit6,202
5,4875,088 16,778
 (DKK millions)Q1 2018Q2 2018Q3 2018Q4 20182018 YTD
Net interest income000 0
Net fee income000 0
Net trading income000 0
Other income000 0
Revenues, in sum000 0
Costs00-1,500 -1,500
Impairments000 0
Effect on pre-tax profit00-1,500 -1,500

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Financial accounts

Income statement
Balance sheet
Financial highlights
Key figures
Income statement
Balance sheet
Financial highlights
Key figures

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Contact us

If you would like more information about Danske Bank's activities, please contact us at Investor Relations. Direct contact information can be found below, while general inquiries can be directed to
  • Claus I. Jensen

    Head of Investor Relations

    Phone: +45 45 12 84 83
    Mobile: +45 25 42 43 70
  • John Bäckman

    Chief IR Officer

    Phone: +45 45 14 07 92
    Mobile: +45 30 51 46 85
  • Heidi Birgitte Nielsen

    Chief IR Officer

    Phone: +45 45 13 92 34
    Mobile: +45 27 20 41 74
  • Robin Løfgren

    Senior IR Officer

    Phone: +45 45 14 06 04
    Mobile: +45 24 75 15 40
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    IR Coordinator

    Phone: +45 45 14 06 80