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Nordfyns Bank (NRDF) investor relations material
Nordfyns Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary30 Oct, 2025
Executive summary
Result before tax for the first nine months of 2025 was DKK 32.8 million, with net profit at DKK 20.3 million, in line with updated guidance.
One-off costs related to a potential merger with Middelfart Sparekasse impacted results; a merger agreement was signed on September 30, 2025, pending shareholder approval.
Management considers the result satisfactory despite lower net interest income and increased costs.
Financial highlights
Net interest and fee income fell to DKK 190.4 million from DKK 209.8 million year-over-year.
Operating expenses rose to DKK 170.0 million from DKK 138.4 million, mainly due to DKK 29.4 million in one-off merger-related costs.
Loan impairments were DKK 0.5 million, compared to a reversal of DKK 14.5 million last year.
Loans increased by 2.8% to DKK 1,820.1 million; deposits rose by 6.5% to DKK 3,635.5 million.
Capital ratio at 23.7% and LCR at 565% as of September 30, 2025.
Outlook and guidance
Full-year 2025 pre-tax profit expected in the DKK 45–55 million range, revised down due to anticipated one-off merger costs.
Guidance remains subject to macroeconomic and market uncertainties, including interest rates and credit losses.
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Next Nordfyns Bank earnings date
Q4 202525 Feb, 2026
Next Nordfyns Bank earnings date
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Frequently asked questions
Nordfyns Bank A/S is a Denmark-based regional bank offering a range of financial services to private individuals, small and medium-sized enterprises, and institutional clients. The bank’s services include deposits, loans, mortgages, investment products, insurance, and digital banking solutions. Nordfyns Bank operates through a network of branches primarily located on the island of Funen and surrounding areas, providing personalized banking and financial advisory services. The company is headquartered in Odense, Denmark, and its shares are listed on the OMX Copenhagen.
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