EU FINANCIALS: Danske Bank: 3Q25 Results Headlines
(DANBNK; A1/A+/AA-)
Credit neutral. Solid almost everywhere from Danske, trading income is a little behind expectations. Guidance maintained. 2025 Net profit expected to be in upper in of DKK 21-23bn range.
- Net Revenue DKK13.7bn vs est. DKK13.7bn (-2.1% QoQ / -0.9% YoY)
- Net Interest Income DKK9.1bn vs est. DKK8.9bn (0.1% QoQ / -1.0% YoY)
- Non-Interest Income DKK4.6bn vs est. DKK4.5bn (-6.1% QoQ / -0.9% YoY)
- Total Non-Interest Expenses DKK6.3bn vs est. DKK6.3bn (-0.9% QoQ / 1.5% YoY)
- Loan Loss Provision DKK-8mn vs est. DKK219mn (-103.7% QoQ / -97.6% YoY)
- Pre-Tax Income DKK7.4bn vs est. DKK7.2bn (-0.1% QoQ / -6.9% YoY)
- Personal Customers
- Revenue DKK4.5bn vs est. DKK4.2bn (6.9% QoQ / -6.0% YoY)
- Business Customers
- Revenue DKK3.6bn vs est. DKK3.5bn (0.8% QoQ / 2.4% YoY)
- Large Corporates & Institutions
- Revenue DKK4.3bn vs est. DKK4.4bn (0.6% QoQ / 7.9% YoY)
- CET1 Ratio 18.7% vs est. 18.5%
- OpInc/RWA (bps) 92 vs est. 88
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Historical bullets
SILVER TECHS: Fresh Cycle High
- RES 4: $49.444 - 3.236 proj of the Sep 4 - 16 - 17 price swing
- RES 3: $49.000 - Round number resistance
- RES 2: $47.857 - 2.618 proj of the Sep 4 - 16 - 17 price swing
- RES 1: $47.251 - 2.382 proj of the Sep 4 - 16 - 17 price swing
- PRICE: $46.907 @ 08:01 BST Oct 1
- SUP 1: $44.601/43.287 - Low Sep 26 / 20-day EMA
- SUP 2: $40.856 - 50-day EMA
- SUP 3: $38.580 - Low Aug 28
- SUP 4: $36.965 - Low Aug 20
Trend signals in Silver remain bullish. The metal has traded higher this week as the bull cycle extends. Note that moving average studies are in a bull-mode position too, reinforcing current conditions. Sights are $47.857 next, a 2.618 projection of the Sep 4 - 16 - 17 price swing. Clearance of this level would pave the way for a climb towards the $48.00 handle. Initial firm support to watch lies at $43.287, the 20-day EMA.
GILTS: Opening Calls
Gilt calls, 90.60/90.62.
EQUITIES: EU Cash Opening Calls
Estox 50: -0.08%, Dax: -0.27%, CAC: +0.15%, FTSE +0.20%, SMI +0.39%,
