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Edge14 Aug 2026
Deutsche Qualität: The Story of Birkenstock
From an 18th-century German shoemaker to a global footwear brand, how Birkenstock turned an orthopedic insole into the world's most popular sandal.
SJF Bank
SJF Bank (SJF) investor relations material
SJF Bank Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary13 Aug, 2026
Executive summary
Net profit after tax reached 326 million DKK, with a return on equity of 12.7% p.a. and pre-tax profit of 428 million DKK.
Business volume increased 12% to 127.5 billion DKK, driven by strong growth in lending, deposits, and wealth management.
Cost discipline improved, with total costs down 1% and a cost/income ratio of 52.1%.
Full-year pre-tax profit guidance was raised to 750–825 million DKK.
Financial highlights
Net interest income rose 4% to 481 million DKK; net fee and commission income increased 10% to 355 million DKK.
Operating profit (basisindtjening/core earnings) grew 15% to 445 million DKK.
Lending increased 13% to 15.6 billion DKK; deposits rose 12% to 26.0 billion DKK.
Total credit intermediation reached 73.8 billion DKK, up 11% year-over-year.
Earnings per share at 19.0 DKK.
Outlook and guidance
Full-year pre-tax profit guidance raised to 750–825 million DKK, reflecting strong first-half performance and business momentum.
Continued growth in business volume and robust earnings are expected in coming quarters.
A new strategy towards 2030 will be announced in Q4 2026.
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Latest events from SJF Bank
- Net profit up 3% to DKK 321.6m, lending up 8%, and 2025 profit guidance raised.SJF
Q2 2025 - Pre-tax profit up 22% and guidance raised on strong core earnings, lending, and credit quality.SJFQ2 2024
- Pre-tax profit up 22% to DKK 635.5m; guidance raised on strong earnings and credit quality.SJFQ3 2024
- Profit before tax up 16%, cost ratio down, and record dividend proposed.SJFQ4 2024
- Profit and business volume grew, but net interest income fell amid higher costs.SJFQ1 2025
- Record profit, double-digit lending growth, and highest-ever dividend proposed for 2025.SJFQ4 2025
- Profit stable at DKK 478m, business volume up 7%, and capital ratio strong at 24.3%.SJFQ3 2025
- Net profit up 2%, lending up 14%, cost/income ratio improved to 49.9%, and strong capital.SJFQ1 2026
Next SJF Bank earnings date
Q3 202610 Nov, 2026
SJF Bank
Next SJF Bank earnings date
Q3 202610 Nov, 2026
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