2025 Q4 -tulosraportti
32 päivää sitten
‧40 min
24,00 DKK/osake
Irtoamispäivä 18.3.
2,67%Tuotto/v
Tarjoustasot
Nasdaq Copenhagen
Määrä
Osto
-
Myynti
Määrä
-
Viimeisimmät kaupat
| Aika | Hinta | Määrä | Ostaja | Myyjä |
|---|---|---|---|---|
| 12 | - | - | ||
| 69 | - | - | ||
| 58 | - | - | ||
| 225 | - | - | ||
| 193 | - | - |
Välittäjätilasto
Ostaneet eniten
| Välittäjä | Ostettu | Myyty | Netto | Sisäinen |
|---|---|---|---|---|
| Anonyymi | 98 065 | 98 065 | 0 | 0 |
Myyneet eniten
| Välittäjä | Ostettu | Myyty | Netto | Sisäinen |
|---|---|---|---|---|
| Anonyymi | 98 065 | 98 065 | 0 | 0 |
Yhtiötapahtumat
Datan lähde: FactSet, Quartr| Seuraava tapahtuma | |
|---|---|
2026 Q1 -tulosraportti 6.5. |
| Menneet tapahtumat | ||
|---|---|---|
2025 Q4 -tulosraportti 5.2. | ||
2025 Q3 -tulosraportti 29.10.2025 | ||
2025 Q2 -tulosraportti 19.8.2025 | ||
2025 Q1 -tulosraportti 7.5.2025 | ||
2024 Q4 -tulosraportti 26.2.2025 |
Asiakkaat katsoivat myös
Shareville
Liity keskusteluun SharevillessäShareville on aktiivisten yksityissijoittajien yhteisö, jossa voit seurata muiden asiakkaiden kaupankäyntiä ja omistuksia.
Kirjaudu
·2 päivää sittenLollands Bank closed the round of listed banks' submission of annual reports for 2025 on Tuesday. It has generally been an uneventful round, where the feeling is that one needs to get out the magnifying glass to find anything surprising. In a world that in many ways geopolitically suffers from unpredictability, a lack of drama is actually quite a fine scenario. Especially when it comes on top of some historically good years for the banks. The general increases in bank share prices in 2025 have put a damper on speculations about further current mergers for the time being – but we all know they are coming. And perhaps even when one least expects it? I paint with a very broad brush when I claim that a large part of the banks in recent years with tailwind have neglected to streamline their organizations. This is probably not how it is perceived by either employees or management or Finansforbundet. And I fully understand that. But data simply says something else. Banks have, quite simply, two sources of income: Net interest income and net fee income. While the former is determined by the interest rate level and does not require more employees with higher earnings, fee income is naturally the staff-dependent variable. More loan cases require more employees (this hypothesis, however, will probably soon be challenged by AI). The net fee income per employee-krone over the past 12 quarters is falling for most banks (with four exceptions) – and this in a scenario with falling interest rates. All else being equal, there should be more activity in fee-related matters in a low-interest rate environment. Banks will naturally justify this with increasing compliance requirements. I myself work in an industry where annual efficiencies are a given (and where compliance requirements have also been sharply increasing for many years). These efficiencies have been a natural part of everyday life long before the advent of AI. I don't know many other industries where, in these years, one would be content with a continued deterioration of “productivity”. Management naturally walks a thin line in relation to Finansforbundet, so there are limits to how explicit one can be in strategies and announcements. And here we come to the most interesting moment in the annual reports (and the upcoming quarterly reports): Who can deliver on efficiencies when a tailwind from AI inevitably begins to emerge. The banks that succeed will not only be best positioned in direct daily competition – they will also be best positioned for survival in the continued consolidation. Not surprisingly, size is a decisive factor in the development of new processes. Not only is there more money to invest, there is also more money to be gained from larger volumes. Personally, I look forward to seeing if the strengthening of Bankdata after the indirect incorporation of Vestjysk Bank and Arbejdernes Landsbank via AL Sydbank, can lead to better solutions and perhaps even savings. So I remain optimistic about the industry in general and the larger banks in particular. Therefore, I am not selling out due to the current market turmoil. My experience tells me that it can easily get worse before it gets better – but I have not yet seen anything that questions the long-term attractiveness of Danish banks. PS. If any of you lacked further explanation of which Danish banks had actually made progress in the ratio between net fee income per employee-krone over the past 12, these confirm that size matters (in this context): Danske Bank, Jyske Bank, Sydbank and Djurslands Bank! Note that my analyses do not include Nordea and Ringkjøbing Landbobank.
·10 t sittenMy thesis is here: 1) Jyske bank has not yet cancelled the shares bought last year. When that happens, key figures will be better. 2) Current price drop actually starts to mean something in relation to current share buybacks, where, all else being equal, we would have expected a slow increase in the price, so that we would soon be at 1000. Now we might go all the way down to 800. As a long-term investor and with this as my largest position - bought more today - I just see it as positive. I can top up further and the buyback program gives more value for money. However, I am afraid if Jyske bank is bold enough to seriously go all-in on AI. As a customer of the bank, however, I must say that I have almost exclusively met employees I have NOT been impressed by. So even a little AI should help a lot here :)- ·3 päivää sittenceo buys up - just saying
·3 päivää sitten · MuokattuHe does that every month. So nothing new there. - ·3.3. · MuokattuI cannot see why Jyske bank should be exposed due to the Middle East conflict. Their exposure is primarily towards private individuals and most of their income is moreover from mortgage lending, so their earnings cannot be affected as much as other banks. I still believe in a share price of 1200 in a year, especially due to the buybacks, where a lower share price simply gives a tiny bit more shares which are cancelled. I see this as noise. Nothing else. There is probably also an element of "sell winners - buy oil, weapons etc."
·13.2.Good timing for the share buyback (3bn), now that the price is falling, the shareholders get more value from the buyback 😉😉·14.2. · Muokattupurely mathematically, these dips don't mean much, even if they were short-term buybacks. But it prevents a wash-out effect, where people panic, as often 20% of free float shares are bought. One should therefore think that those who want to sell have all sold out over the last year or so. My price target is still around 1200-1250 in a year. I'm waiting a bit for the new key figures to be implemented on top of the last financial report and share destruction. That will only happen at the general meeting in March
Yllä olevat kommentit ovat peräisin Nordnetin sosiaalisen verkoston Sharevillen käyttäjiltä, eikä niitä ole muokattu eikä Nordnet ole tarkastanut niitä etukäteen. Ne eivät tarkoita, että Nordnet tarjoaisi sijoitusneuvoja tai sijoitussuosituksia. Nordnet ei ota vastuuta kommenteista.
Uutiset
Tämän sivun uutiset ja/tai sijoitussuositukset tai otteet niistä sekä niihin liittyvät linkit ovat mainitun tahon tuottamia ja toimittamia. Nordnet ei ole osallistunut materiaalin laatimiseen, eikä ole tarkistanut sen sisältöä tai tehnyt sisältöön muutoksia. Lue lisää sijoitussuosituksista.
2025 Q4 -tulosraportti
32 päivää sitten
‧40 min
24,00 DKK/osake
Irtoamispäivä 18.3.
2,67%Tuotto/v
Uutiset
Tämän sivun uutiset ja/tai sijoitussuositukset tai otteet niistä sekä niihin liittyvät linkit ovat mainitun tahon tuottamia ja toimittamia. Nordnet ei ole osallistunut materiaalin laatimiseen, eikä ole tarkistanut sen sisältöä tai tehnyt sisältöön muutoksia. Lue lisää sijoitussuosituksista.
Shareville
Liity keskusteluun SharevillessäShareville on aktiivisten yksityissijoittajien yhteisö, jossa voit seurata muiden asiakkaiden kaupankäyntiä ja omistuksia.
Kirjaudu
- ·2 päivää sittenLollands Bank closed the round of listed banks' submission of annual reports for 2025 on Tuesday. It has generally been an uneventful round, where the feeling is that one needs to get out the magnifying glass to find anything surprising. In a world that in many ways geopolitically suffers from unpredictability, a lack of drama is actually quite a fine scenario. Especially when it comes on top of some historically good years for the banks. The general increases in bank share prices in 2025 have put a damper on speculations about further current mergers for the time being – but we all know they are coming. And perhaps even when one least expects it? I paint with a very broad brush when I claim that a large part of the banks in recent years with tailwind have neglected to streamline their organizations. This is probably not how it is perceived by either employees or management or Finansforbundet. And I fully understand that. But data simply says something else. Banks have, quite simply, two sources of income: Net interest income and net fee income. While the former is determined by the interest rate level and does not require more employees with higher earnings, fee income is naturally the staff-dependent variable. More loan cases require more employees (this hypothesis, however, will probably soon be challenged by AI). The net fee income per employee-krone over the past 12 quarters is falling for most banks (with four exceptions) – and this in a scenario with falling interest rates. All else being equal, there should be more activity in fee-related matters in a low-interest rate environment. Banks will naturally justify this with increasing compliance requirements. I myself work in an industry where annual efficiencies are a given (and where compliance requirements have also been sharply increasing for many years). These efficiencies have been a natural part of everyday life long before the advent of AI. I don't know many other industries where, in these years, one would be content with a continued deterioration of “productivity”. Management naturally walks a thin line in relation to Finansforbundet, so there are limits to how explicit one can be in strategies and announcements. And here we come to the most interesting moment in the annual reports (and the upcoming quarterly reports): Who can deliver on efficiencies when a tailwind from AI inevitably begins to emerge. The banks that succeed will not only be best positioned in direct daily competition – they will also be best positioned for survival in the continued consolidation. Not surprisingly, size is a decisive factor in the development of new processes. Not only is there more money to invest, there is also more money to be gained from larger volumes. Personally, I look forward to seeing if the strengthening of Bankdata after the indirect incorporation of Vestjysk Bank and Arbejdernes Landsbank via AL Sydbank, can lead to better solutions and perhaps even savings. So I remain optimistic about the industry in general and the larger banks in particular. Therefore, I am not selling out due to the current market turmoil. My experience tells me that it can easily get worse before it gets better – but I have not yet seen anything that questions the long-term attractiveness of Danish banks. PS. If any of you lacked further explanation of which Danish banks had actually made progress in the ratio between net fee income per employee-krone over the past 12, these confirm that size matters (in this context): Danske Bank, Jyske Bank, Sydbank and Djurslands Bank! Note that my analyses do not include Nordea and Ringkjøbing Landbobank.·10 t sittenMy thesis is here: 1) Jyske bank has not yet cancelled the shares bought last year. When that happens, key figures will be better. 2) Current price drop actually starts to mean something in relation to current share buybacks, where, all else being equal, we would have expected a slow increase in the price, so that we would soon be at 1000. Now we might go all the way down to 800. As a long-term investor and with this as my largest position - bought more today - I just see it as positive. I can top up further and the buyback program gives more value for money. However, I am afraid if Jyske bank is bold enough to seriously go all-in on AI. As a customer of the bank, however, I must say that I have almost exclusively met employees I have NOT been impressed by. So even a little AI should help a lot here :)
- ·3 päivää sittenceo buys up - just saying·3 päivää sitten · MuokattuHe does that every month. So nothing new there.
- ·3.3. · MuokattuI cannot see why Jyske bank should be exposed due to the Middle East conflict. Their exposure is primarily towards private individuals and most of their income is moreover from mortgage lending, so their earnings cannot be affected as much as other banks. I still believe in a share price of 1200 in a year, especially due to the buybacks, where a lower share price simply gives a tiny bit more shares which are cancelled. I see this as noise. Nothing else. There is probably also an element of "sell winners - buy oil, weapons etc."
- ·13.2.Good timing for the share buyback (3bn), now that the price is falling, the shareholders get more value from the buyback 😉😉·14.2. · Muokattupurely mathematically, these dips don't mean much, even if they were short-term buybacks. But it prevents a wash-out effect, where people panic, as often 20% of free float shares are bought. One should therefore think that those who want to sell have all sold out over the last year or so. My price target is still around 1200-1250 in a year. I'm waiting a bit for the new key figures to be implemented on top of the last financial report and share destruction. That will only happen at the general meeting in March
Yllä olevat kommentit ovat peräisin Nordnetin sosiaalisen verkoston Sharevillen käyttäjiltä, eikä niitä ole muokattu eikä Nordnet ole tarkastanut niitä etukäteen. Ne eivät tarkoita, että Nordnet tarjoaisi sijoitusneuvoja tai sijoitussuosituksia. Nordnet ei ota vastuuta kommenteista.
Tarjoustasot
Nasdaq Copenhagen
Määrä
Osto
-
Myynti
Määrä
-
Viimeisimmät kaupat
| Aika | Hinta | Määrä | Ostaja | Myyjä |
|---|---|---|---|---|
| 12 | - | - | ||
| 69 | - | - | ||
| 58 | - | - | ||
| 225 | - | - | ||
| 193 | - | - |
Välittäjätilasto
Ostaneet eniten
| Välittäjä | Ostettu | Myyty | Netto | Sisäinen |
|---|---|---|---|---|
| Anonyymi | 98 065 | 98 065 | 0 | 0 |
Myyneet eniten
| Välittäjä | Ostettu | Myyty | Netto | Sisäinen |
|---|---|---|---|---|
| Anonyymi | 98 065 | 98 065 | 0 | 0 |
Asiakkaat katsoivat myös
Yhtiötapahtumat
Datan lähde: FactSet, Quartr| Seuraava tapahtuma | |
|---|---|
2026 Q1 -tulosraportti 6.5. |
| Menneet tapahtumat | ||
|---|---|---|
2025 Q4 -tulosraportti 5.2. | ||
2025 Q3 -tulosraportti 29.10.2025 | ||
2025 Q2 -tulosraportti 19.8.2025 | ||
2025 Q1 -tulosraportti 7.5.2025 | ||
2024 Q4 -tulosraportti 26.2.2025 |
2025 Q4 -tulosraportti
32 päivää sitten
‧40 min
Uutiset
Tämän sivun uutiset ja/tai sijoitussuositukset tai otteet niistä sekä niihin liittyvät linkit ovat mainitun tahon tuottamia ja toimittamia. Nordnet ei ole osallistunut materiaalin laatimiseen, eikä ole tarkistanut sen sisältöä tai tehnyt sisältöön muutoksia. Lue lisää sijoitussuosituksista.
Yhtiötapahtumat
Datan lähde: FactSet, Quartr| Seuraava tapahtuma | |
|---|---|
2026 Q1 -tulosraportti 6.5. |
| Menneet tapahtumat | ||
|---|---|---|
2025 Q4 -tulosraportti 5.2. | ||
2025 Q3 -tulosraportti 29.10.2025 | ||
2025 Q2 -tulosraportti 19.8.2025 | ||
2025 Q1 -tulosraportti 7.5.2025 | ||
2024 Q4 -tulosraportti 26.2.2025 |
24,00 DKK/osake
Irtoamispäivä 18.3.
2,67%Tuotto/v
Shareville
Liity keskusteluun SharevillessäShareville on aktiivisten yksityissijoittajien yhteisö, jossa voit seurata muiden asiakkaiden kaupankäyntiä ja omistuksia.
Kirjaudu
- ·2 päivää sittenLollands Bank closed the round of listed banks' submission of annual reports for 2025 on Tuesday. It has generally been an uneventful round, where the feeling is that one needs to get out the magnifying glass to find anything surprising. In a world that in many ways geopolitically suffers from unpredictability, a lack of drama is actually quite a fine scenario. Especially when it comes on top of some historically good years for the banks. The general increases in bank share prices in 2025 have put a damper on speculations about further current mergers for the time being – but we all know they are coming. And perhaps even when one least expects it? I paint with a very broad brush when I claim that a large part of the banks in recent years with tailwind have neglected to streamline their organizations. This is probably not how it is perceived by either employees or management or Finansforbundet. And I fully understand that. But data simply says something else. Banks have, quite simply, two sources of income: Net interest income and net fee income. While the former is determined by the interest rate level and does not require more employees with higher earnings, fee income is naturally the staff-dependent variable. More loan cases require more employees (this hypothesis, however, will probably soon be challenged by AI). The net fee income per employee-krone over the past 12 quarters is falling for most banks (with four exceptions) – and this in a scenario with falling interest rates. All else being equal, there should be more activity in fee-related matters in a low-interest rate environment. Banks will naturally justify this with increasing compliance requirements. I myself work in an industry where annual efficiencies are a given (and where compliance requirements have also been sharply increasing for many years). These efficiencies have been a natural part of everyday life long before the advent of AI. I don't know many other industries where, in these years, one would be content with a continued deterioration of “productivity”. Management naturally walks a thin line in relation to Finansforbundet, so there are limits to how explicit one can be in strategies and announcements. And here we come to the most interesting moment in the annual reports (and the upcoming quarterly reports): Who can deliver on efficiencies when a tailwind from AI inevitably begins to emerge. The banks that succeed will not only be best positioned in direct daily competition – they will also be best positioned for survival in the continued consolidation. Not surprisingly, size is a decisive factor in the development of new processes. Not only is there more money to invest, there is also more money to be gained from larger volumes. Personally, I look forward to seeing if the strengthening of Bankdata after the indirect incorporation of Vestjysk Bank and Arbejdernes Landsbank via AL Sydbank, can lead to better solutions and perhaps even savings. So I remain optimistic about the industry in general and the larger banks in particular. Therefore, I am not selling out due to the current market turmoil. My experience tells me that it can easily get worse before it gets better – but I have not yet seen anything that questions the long-term attractiveness of Danish banks. PS. If any of you lacked further explanation of which Danish banks had actually made progress in the ratio between net fee income per employee-krone over the past 12, these confirm that size matters (in this context): Danske Bank, Jyske Bank, Sydbank and Djurslands Bank! Note that my analyses do not include Nordea and Ringkjøbing Landbobank.·10 t sittenMy thesis is here: 1) Jyske bank has not yet cancelled the shares bought last year. When that happens, key figures will be better. 2) Current price drop actually starts to mean something in relation to current share buybacks, where, all else being equal, we would have expected a slow increase in the price, so that we would soon be at 1000. Now we might go all the way down to 800. As a long-term investor and with this as my largest position - bought more today - I just see it as positive. I can top up further and the buyback program gives more value for money. However, I am afraid if Jyske bank is bold enough to seriously go all-in on AI. As a customer of the bank, however, I must say that I have almost exclusively met employees I have NOT been impressed by. So even a little AI should help a lot here :)
- ·3 päivää sittenceo buys up - just saying·3 päivää sitten · MuokattuHe does that every month. So nothing new there.
- ·3.3. · MuokattuI cannot see why Jyske bank should be exposed due to the Middle East conflict. Their exposure is primarily towards private individuals and most of their income is moreover from mortgage lending, so their earnings cannot be affected as much as other banks. I still believe in a share price of 1200 in a year, especially due to the buybacks, where a lower share price simply gives a tiny bit more shares which are cancelled. I see this as noise. Nothing else. There is probably also an element of "sell winners - buy oil, weapons etc."
- ·13.2.Good timing for the share buyback (3bn), now that the price is falling, the shareholders get more value from the buyback 😉😉·14.2. · Muokattupurely mathematically, these dips don't mean much, even if they were short-term buybacks. But it prevents a wash-out effect, where people panic, as often 20% of free float shares are bought. One should therefore think that those who want to sell have all sold out over the last year or so. My price target is still around 1200-1250 in a year. I'm waiting a bit for the new key figures to be implemented on top of the last financial report and share destruction. That will only happen at the general meeting in March
Yllä olevat kommentit ovat peräisin Nordnetin sosiaalisen verkoston Sharevillen käyttäjiltä, eikä niitä ole muokattu eikä Nordnet ole tarkastanut niitä etukäteen. Ne eivät tarkoita, että Nordnet tarjoaisi sijoitusneuvoja tai sijoitussuosituksia. Nordnet ei ota vastuuta kommenteista.
Tarjoustasot
Nasdaq Copenhagen
Määrä
Osto
-
Myynti
Määrä
-
Viimeisimmät kaupat
| Aika | Hinta | Määrä | Ostaja | Myyjä |
|---|---|---|---|---|
| 12 | - | - | ||
| 69 | - | - | ||
| 58 | - | - | ||
| 225 | - | - | ||
| 193 | - | - |
Välittäjätilasto
Ostaneet eniten
| Välittäjä | Ostettu | Myyty | Netto | Sisäinen |
|---|---|---|---|---|
| Anonyymi | 98 065 | 98 065 | 0 | 0 |
Myyneet eniten
| Välittäjä | Ostettu | Myyty | Netto | Sisäinen |
|---|---|---|---|---|
| Anonyymi | 98 065 | 98 065 | 0 | 0 |