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Financial results 2025

"Two years into the execution of our Forward ’28 strategy, our investments made to enhance the customer experience and customer engagement have resulted in increasingly positive customer satisfaction scores and growing volumes across our business, with substantial progress with our technology transformation. With advanced customer offerings, deep expertise and a solid financial foundation, Danske Bank is well-positioned to continue to create sustainable value for our customers, shareholders and society in the years to come."

Carsten Egeriis
Chief Executive Officer

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Outlook for 2026

Total income is expected to be around DKK 58 billion, driven by growing core banking income and our continued efforts to drive commercial momentum and growth in line with our financial targets for 2026.

Income from trading and insurance activities remains subject to financial market conditions. 

We expect operating expenses in the range of DKK 26-26.5 billion in 2026.

The cost/income ratio is expected to be around 45%, in line with the target for 2026.

Loan impairment charges are expected to be around DKK 1 billion as a result of continued strong credit quality. 

Net profit is expected to be in the range of DKK 22-24 billion, reflecting a return on equity above our 2026 ambition of 13%.

Facts & figures

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

128

 

number of branches

2.2

million

eBanking, Mobile and Tablet Banking customers

GIF Tablets

One-off items

(DKK millions)Q1 2025Q2 2025Q3 2025Q4 20252025 
Reported pre-tax profit7,5917,3907,384 8,33430,699
Provisions related to legacy life insurance business
-220000 -220
 Modelcalibration in Danica H&A following FSA order 000-200-200
One-off items, in sum-22000-200-420
Adjusted pre-tax profit 7,8117,3907,3848,53431,119
 Tax one-offs:
 0 0 0 0 0
      
 (DKK millions)Q1 2025Q2 2025Q3 2025Q4 20252025   
Net interest income00000
Net fee income00000
Net trading income00000
Net income from insurance business-22000-2000
Other income00000
Revenues, in sum-2200000
Costs00000
Impairments000
00
Profit before tax, Non-core000
00
Effect on pre-tax profit-22000-2000
 Effect of tax one-offs 0 0 0 00

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Financial accounts

Income statement
Balance sheet
Financial highlights
Key figures

Look up historical data on our income statement, balance sheet and key figures going back to 1998.

Download financial accounts going back to Q1 2004
Download financial accounts from 1998-2004

 

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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 investor.relations@danskebank.dk