Bilbao, February 5th, 2026.- Virtualware (EPA: ALVIR), a leading expert in virtual reality for industry, listed on Euronext Growth Paris, closed 2025 with record bookings, exceeding €8 million. These bookings, derived primarily from government and nuclear projects, will enable the company to consolidate its position in the coming years. The company, which today presented its yearly unaudited results to Euronext, reported €4.32 million in revenue in 2025, a 2.85% increase YoY, with reported EBITDA of €598,50 ...

In 2025, we reached an EBITDA of DKK 501m supported by the Halmstad warehouse sale. In Q4, the EBITDA adjusted for non-recurring items followed the same development as in Q2 and Q3 2025. EBITDA remained pressured by uncertain market conditions and an unfavourable segment mix. We expect these challenges to persist well into 2026, with markets remaining unpredictable and difficult to navigate. CEO Jens Andersen says:“Despite a challenging market environment in 2025, we made decisive investments that strengthe ...

Group 1 - The company has published its full Annual Report for 2025, confirming that all results remain unchanged from previously announced financial highlights [1] - The full Annual Report for the entire Tryg Group was made available on January 22, 2026, and can be accessed on the company's official website [1]

Financial Performance - Realkredit Danmark reported a net profit of DKK 4,848 million for 2025, an increase from DKK 4,424 million in 2024, driven by loan impairment reversals and lower expenses [12] - Total expenses decreased to DKK 898 million in 2025 from DKK 1,010 million in 2024, primarily due to the cessation of payments to the fully funded Resolution Fund and reductions in operating expenses [12] - The company experienced a net reversal of loan impairment charges amounting to DKK 258 million in 2025, compared to a charge of DKK 333 million in 2024, indicating strong credit quality [12] Market Position and Strategy - Realkredit Danmark plays a significant role within Danske Bank Group, aiming to be a leading bank in mortgages and property finance for both households and businesses [3] - The company financed several of the largest transactions in the Danish commercial real estate market in 2025, reinforcing its strong market position [12] - The green loan portfolio surpassed DKK 34 billion by the end of 2025, growing from DKK 29 billion in 2024, highlighting the company's commitment to sustainable financing [12] Product and Service Enhancements - In 2025, Realkredit Danmark removed the additional margin on new interest-only loans with a loan-to-value ratio below 60%, providing customers with greater financial flexibility [2] - The introduction of the Danske BoligStart concept in June aimed to support first-time homebuyers aged 18 to 38 by offering guidance and minimizing uncertainty during the home-buying process [4] - New digital features, including a loan monitoring 'traffic light' system and an improved home finance tool, were launched to enhance customer experience and streamline the loan application process [5][6] Market Outlook - The Danish housing market showed resilience in 2025, supported by a robust labor market and easing inflation, with increasing prices and activity levels despite low consumer confidence [9] - Growth in the housing market is projected to moderate in 2026, with an estimated increase of 6.5% [9] - Realkredit Danmark expects a net profit for 2026 to be within the range of DKK 4.2 billion to DKK 4.7 billion [12]

Core Insights - Sampo Group achieved consistent execution of its organic growth strategy in 2025, benefiting from scale, unique market positions, and investments in digital capabilities [2][8] - The company is well-positioned to meet its financial targets in 2026, aiming for resilient value creation for shareholders [2][14] Financial Performance - Gross written premiums (GWP) increased by 8% year-on-year to EUR 10,738 million in 2025, with a 3% increase in Q4 [3] - Insurance revenue rose by 8% to EUR 9,078 million, with a 7% increase in Q4 [3] - The underwriting result improved by 13% to EUR 1,485 million, with a 1% increase in Q4 [3] - Net profit surged by 73% to EUR 1,998 million, with a 198% increase in Q4 [3] - Earnings per share (EPS) increased by 65% to EUR 0.74, driven by a EUR 540 million net gain on investments [6][3] Operational Highlights - Digital sales in the Private Nordic segment grew by 15%, with personal insurance GWP growth of 11% [9][10] - The Nordic Commercial segment also saw a 15% increase in digital sales, gaining over 3,200 new customers [10] - Norway exhibited strong growth, with 16% in Nordic Private and 13% in Nordic Commercial [11] Strategic Initiatives - Sampo renewed all material partnerships across markets, enhancing its market-leading position [12] - The integration of Topdanmark is expected to yield synergies and improve cost ratios [13][19] Outlook for 2026 - Sampo projects insurance revenue of EUR 9.5-9.8 billion and an underwriting result of EUR 1,485-1,600 million for 2026 [23] - The company aims to maintain a combined ratio below 85% and achieve operating EPS growth of over 9% annually [21] - The proposed dividend of EUR 0.36 per share represents a 6% increase, aligning with the medium-term distribution policy [15]

Core Insights - Danske Bank reported a net profit of DKK 23.0 billion for 2025, achieving the upper end of its guidance, driven by resilient net interest income and effective cost management [1][4][7] - The Board of Directors proposed a total dividend of DKK 22.72 per share, which includes a regular dividend of DKK 16.94 and an extraordinary dividend of DKK 5.78 [1][20] - A share buy-back program of DKK 4.5 billion has been initiated, reflecting strong capital generation and a commitment to shareholder returns [21][22] Financial Performance - Total income for 2025 was DKK 56.8 billion, a 1% increase from DKK 56.4 billion in 2024 [8] - Operating expenses rose slightly to DKK 25.8 billion, compared to DKK 25.7 billion in 2024, influenced by investments in digitalization and wage inflation [6][8] - Loan impairments amounted to a net charge of DKK 294 million, indicating strong credit quality, in contrast to a net reversal of DKK 543 million in 2024 [6][8] Strategic Execution - Danske Bank continued to execute its Forward '28 strategy, focusing on enhancing customer experience, digital transformation, and sustainability initiatives [9][11] - Customer activity increased in several segments, particularly in corporate lending and private banking, with assets under management reaching record levels [2][10] - Employee engagement improved, and technology transformation efforts are on track to achieve a 20% increase in productivity and a 15% reduction in technology costs by 2026 [11] Segment Performance - Personal Customers segment reported a profit before tax of DKK 8,497 million, a 13% decrease from 2024, primarily due to lower net interest income [15] - Business Customers segment saw a profit before tax increase of 16% to DKK 10,085 million, driven by higher net interest and fee income [16] - Large Corporates & Institutions reported a profit before tax of DKK 9,883 million, a 3% decrease, but total income reached record levels [17] Market Outlook - The economic outlook for 2026 is moderately positive, with expectations of stable interest rates and increased demand in the Nordic markets [13][14] - Total income is projected to be around DKK 58 billion in 2026, with operating expenses expected between DKK 26-26.5 billion [23][24] - Net profit for 2026 is anticipated to be in the range of DKK 22-24 billion, maintaining a return on equity above 13% [24]

Management Changes - Ljiljana Čortan will be appointed head of ING Wholesale Banking, effective 24 February 2026, succeeding Andrew Bester [1][2] - Andrew Bester will step down from the Management Board Banking on the same date after completing the handover of Wholesale Banking activities [2] - The appointment of Ljiljana Čortan has been approved by the European Central Bank [4] Leadership Transition - Steven van Rijswijk, ING's CEO, expressed gratitude for Andrew Bester's contributions over the last five years, highlighting the strengthening of the wholesale bank's foundations [2] - Ljiljana Čortan will leave her position as chief risk officer (CRO) on 24 February 2026, with a selection process for a new CRO currently underway [2] - Until a new CRO is appointed, the chief financial officer will temporarily assume responsibility for risk management on the Executive Board [2] Risk Management - Andrea Cesaroni, currently head of Integrated Risk, will perform day-to-day risk management activities in the interim role of head of risk, reporting to the CFO [2][3] - Andrea Cesaroni has over 25 years of experience in financial services and risk management, having joined ING in July 2022 [3]

Core Viewpoint - Sampo plc is updating its distribution policy to include share buybacks alongside dividends, aiming to enhance shareholder returns while maintaining a strong balance sheet [1][4]. Group 1: Distribution Policy Update - Starting in 2026, Sampo will complement its progressive dividend with share buybacks, which will account for up to one-third of distributions from operating earnings in a typical year [1][4]. - The total volume of capital distributed to shareholders will remain unchanged despite the shift in the mix of capital returned [1][2]. Group 2: Financial Strength and Shareholder Returns - The Board of Directors believes it is appropriate to return around 90% of the Group's operating result to shareholders annually, while increasing the allocation towards share buybacks [2][5]. - Sampo aims to maintain a stable regular dividend per share even in adverse years, ensuring reliable income for shareholders [2][3]. Group 3: Cash Flow and Value Creation - As a leading Nordic and UK retail and SME P&C insurance group, Sampo generates resilient and steadily growing cash flow, which is crucial for shareholder value creation [3]. - The updated distribution policy is designed to provide reliable and growing income through a progressive regular dividend, while also allowing for reinvestment into the Group's long-term prospects via share buybacks [3][4].

Core Viewpoint - The Board of Directors of Jyske Realkredit approved the Annual Report for the financial year 2025 on February 5, 2026, indicating the company's commitment to transparency and accountability in its financial reporting [1]. Group 1 - The announcement includes an invitation for inquiries directed at the CEO, Anders Lund Hansen, providing contact details for further information [1]. - The Danish version of the announcement is stated to prevail, emphasizing the importance of language accuracy in official communications [1]. - The report is accessible through the company's website, indicating a focus on digital transparency and accessibility for stakeholders [1].

Core Insights - Jyske Bank reported a 7% increase in earnings per share to DKK 85 in 2025, surpassing initial expectations of DKK 60-73, driven by higher business volumes, customer inflow, effective cost management, favorable financial markets, and solid credit quality [1][17] - The Group Supervisory Board proposed the highest dividend per share to date of DKK 25 and announced a share buyback program of up to DKK 3 billion [21][7] Financial Performance - Core income remained stable at DKK 13,654 million, while operating expenses increased by 3%, with underlying expenses rising by 1% after adjusting for one-off costs [18][7] - Loan impairment charges significantly decreased to DKK 2 million from DKK 21 million the previous year, reflecting improved credit quality [19][7] - The common equity tier 1 capital ratio was 16.1%, and the total capital ratio was 21.5%, both exceeding regulatory requirements [20][7] Economic and Market Context - The Danish economy and employment are improving, with a rise in housing market activity and controlled inflation, positioning Jyske Bank to support its customers effectively [2] - The bank's strategy, "Potential for more," has been successfully executed, leading to growth in both personal and corporate customer segments [3][10] Customer Satisfaction and Branding - Customer satisfaction has improved, with Jyske Bank ranking 1 among larger corporate customers and being recognized as "Best at Private Banking" for ten consecutive years [4][8] - A new visual identity and brand platform were launched to enhance Jyske Bank's market presence and communication consistency [6] Strategic Initiatives - Jyske Bank launched its first comprehensive climate transition plan in 2025, increasing lending to climate-related activities by DKK 10.8 billion, totaling DKK 138.7 billion or approximately 27% of the Group's lending [11] - The bank has focused on enhancing its mortgage and leasing activities, with Jyske Realkredit increasing lending volumes by 4% and Jyske Finans maintaining a strong position in the leasing market [13][14] Employee Engagement - Employee satisfaction and loyalty have improved, contributing to better customer experiences and overall performance [7][8] - The establishment of a new collaborative workspace for 950 employees in Copenhagen aims to strengthen the bank's presence and foster a professional environment [9]