Jyske Bank A/S

Latest Results (24.10.2025):

Jyske Bank A/S reported its interim financial results for the first half of 2025, showing a modest increase in earnings per share and maintaining a strong capital position despite a challenging interest rate environment. The bank continues to focus on enhancing customer satisfaction and strategic growth initiatives.

Earnings Per Share Growth

In H1 2025, Jyske Bank A/S achieved an earnings per share of DKK 39.4, a 1% increase compared to DKK 38.8 in H1 2024. This growth is supported by positive business activity and solid credit quality.

Decline in Core Income

Core income for the first half of 2025 was DKK 6,503 million, reflecting a 5% decrease from DKK 6,828 million in the same period last year. The decline was primarily due to reduced net interest income following a decrease in Danmarks Nationalbank's policy rate.

Improved Loan Impairment Charges

Loan impairment charges turned positive at DKK 47 million in H1 2025, reversing the previous year's expense of DKK 95 million. This improvement indicates enhanced credit quality.

Strong Capital Position

The bank maintained a robust capital base with a total capital ratio of 21.5% and a common equity tier 1 capital ratio of 16.3% at the end of H1 2025, aligning with targeted regulatory requirements.

Enhanced Customer Satisfaction

Jyske Bank A/S continued to excel in customer satisfaction, ranking first among corporate customers with over 20 employees and being named “Best at Private Banking” for the tenth consecutive year. Personal customer satisfaction showed significant improvement in Denmark.

Strategic Initiatives and Operational Efficiency

The bank advanced its strategic focus by optimizing operations, investing in key customer segments, and enhancing its digital platform. The increased use of AI has streamlined employee workflows, allowing more time for customer interactions.