2025 Q4 -tulosraportti
Vain PDF
11 päivää sitten
25,00 DKK/osake
Irtoamispäivä 20.3.
4,96%Tuotto/v
Tarjoustasot
Nasdaq Copenhagen
Määrä
Osto
-
Myynti
Määrä
-
Viimeisimmät kaupat
| Aika | Hinta | Määrä | Ostaja | Myyjä |
|---|---|---|---|---|
| 264 | - | - | ||
| 125 | - | - | ||
| 742 | - | - | ||
| 50 | - | - | ||
| 26 | - | - |
Ylin
542VWAP
Alin
524VaihtoMäärä
71,5 134 893
VWAP
Ylin
542Alin
524VaihtoMäärä
71,5 134 893
Välittäjätilasto
Dataa ei löytynyt
Yhtiötapahtumat
Datan lähde: FactSet, Quartr| Seuraava tapahtuma | |
|---|---|
2026 Q1 -tulosraportti 6.5. |
| Menneet tapahtumat | ||
|---|---|---|
2025 Q4 -tulosraportti 25.2. | ||
2025 Q3 -tulosraportti 5.11.2025 | ||
2025 Q2 -tulosraportti 27.8.2025 | ||
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
·23 t 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.
·1 päivä sittenCan one, without getting a telling off, ask for a natural explanation as to why we fall by almost double in % compared to other banks every time
·1 päivä sittenCheck the housing market! It cannot continue with ordinary people with ordinary jobs buying homes for several mio. They don't understand a thing about money and they will be tied to the land for the rest of their lives. Worst case, when the job is lost, they go bankrupt and are indebted for the rest of their lives. The banks are cushioned but there will be some insane losses at some point and then the question is whether we end up in the abyss because some were greedy and the politicians stimulated incorrectly due to their lack of abilities and background and education. YES you don't put the window cleaner on Esplanaden to advise the CEO, do you!- ·4.3.I wonder how their Q4 looks.
·3.3.Phew, it's going down, isn't it. 🙃 I'm considering buying a few more but how long should one wait!? With the recent war in the Middle East. What do you others say? 😂·1 päivä sittenIt wasn't that long ago it was around 568, so just there, more has been shaved off than the dividend, and it's always hard to predict if a stock will regain what they pay out in dividends - lately I think most fall more than the dividend and then struggle to get back to their price.- 2.3.2.3.Tämä julkaisu on poistettu.
·2.3.I think it's because there has been a general meeting and dividend is being paid?
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
Vain PDF
11 päivää sitten
25,00 DKK/osake
Irtoamispäivä 20.3.
4,96%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
- ·23 t 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.
- ·1 päivä sittenCan one, without getting a telling off, ask for a natural explanation as to why we fall by almost double in % compared to other banks every time·1 päivä sittenCheck the housing market! It cannot continue with ordinary people with ordinary jobs buying homes for several mio. They don't understand a thing about money and they will be tied to the land for the rest of their lives. Worst case, when the job is lost, they go bankrupt and are indebted for the rest of their lives. The banks are cushioned but there will be some insane losses at some point and then the question is whether we end up in the abyss because some were greedy and the politicians stimulated incorrectly due to their lack of abilities and background and education. YES you don't put the window cleaner on Esplanaden to advise the CEO, do you!
- ·4.3.I wonder how their Q4 looks.
- ·3.3.Phew, it's going down, isn't it. 🙃 I'm considering buying a few more but how long should one wait!? With the recent war in the Middle East. What do you others say? 😂·1 päivä sittenIt wasn't that long ago it was around 568, so just there, more has been shaved off than the dividend, and it's always hard to predict if a stock will regain what they pay out in dividends - lately I think most fall more than the dividend and then struggle to get back to their price.
- 2.3.2.3.Tämä julkaisu on poistettu.·2.3.I think it's because there has been a general meeting and dividend is being paid?
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 |
|---|---|---|---|---|
| 264 | - | - | ||
| 125 | - | - | ||
| 742 | - | - | ||
| 50 | - | - | ||
| 26 | - | - |
Ylin
542VWAP
Alin
524VaihtoMäärä
71,5 134 893
VWAP
Ylin
542Alin
524VaihtoMäärä
71,5 134 893
Välittäjätilasto
Dataa ei löytynyt
Asiakkaat katsoivat myös
Yhtiötapahtumat
Datan lähde: FactSet, Quartr| Seuraava tapahtuma | |
|---|---|
2026 Q1 -tulosraportti 6.5. |
| Menneet tapahtumat | ||
|---|---|---|
2025 Q4 -tulosraportti 25.2. | ||
2025 Q3 -tulosraportti 5.11.2025 | ||
2025 Q2 -tulosraportti 27.8.2025 | ||
2025 Q1 -tulosraportti 7.5.2025 | ||
2024 Q4 -tulosraportti 26.2.2025 |
2025 Q4 -tulosraportti
Vain PDF
11 päivää sitten
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 25.2. | ||
2025 Q3 -tulosraportti 5.11.2025 | ||
2025 Q2 -tulosraportti 27.8.2025 | ||
2025 Q1 -tulosraportti 7.5.2025 | ||
2024 Q4 -tulosraportti 26.2.2025 |
25,00 DKK/osake
Irtoamispäivä 20.3.
4,96%Tuotto/v
Shareville
Liity keskusteluun SharevillessäShareville on aktiivisten yksityissijoittajien yhteisö, jossa voit seurata muiden asiakkaiden kaupankäyntiä ja omistuksia.
Kirjaudu
- ·23 t 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.
- ·1 päivä sittenCan one, without getting a telling off, ask for a natural explanation as to why we fall by almost double in % compared to other banks every time·1 päivä sittenCheck the housing market! It cannot continue with ordinary people with ordinary jobs buying homes for several mio. They don't understand a thing about money and they will be tied to the land for the rest of their lives. Worst case, when the job is lost, they go bankrupt and are indebted for the rest of their lives. The banks are cushioned but there will be some insane losses at some point and then the question is whether we end up in the abyss because some were greedy and the politicians stimulated incorrectly due to their lack of abilities and background and education. YES you don't put the window cleaner on Esplanaden to advise the CEO, do you!
- ·4.3.I wonder how their Q4 looks.
- ·3.3.Phew, it's going down, isn't it. 🙃 I'm considering buying a few more but how long should one wait!? With the recent war in the Middle East. What do you others say? 😂·1 päivä sittenIt wasn't that long ago it was around 568, so just there, more has been shaved off than the dividend, and it's always hard to predict if a stock will regain what they pay out in dividends - lately I think most fall more than the dividend and then struggle to get back to their price.
- 2.3.2.3.Tämä julkaisu on poistettu.·2.3.I think it's because there has been a general meeting and dividend is being paid?
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 |
|---|---|---|---|---|
| 264 | - | - | ||
| 125 | - | - | ||
| 742 | - | - | ||
| 50 | - | - | ||
| 26 | - | - |
Ylin
542VWAP
Alin
524VaihtoMäärä
71,5 134 893
VWAP
Ylin
542Alin
524VaihtoMäärä
71,5 134 893
Välittäjätilasto
Dataa ei löytynyt