丹麦银行（Danske Bank A/S）今年第二次上调了全年的业绩指引，预计在业务规模扩大以及中央银行加息的助推下，收入将实现增长。
Bank A/S improved its full-year guidance for the second time this year, expecting an income boost from growing volumes and helped by central bank interest-rate hikes.
根据周四的一份声明，这家丹麦最大的借贷机构上调了净利润指引的下限，预测利润将在240亿克朗至250亿克朗（约合36亿美元至37亿美元）之间。这一预期高于7月份发布的230亿克朗至250亿克朗的区间。
Denmark’s largest lender raised the lower end of its net income guidance, forecasting profit in the range of 24 billion kroner to 25 billion kroner ($3.6 billion to $3.7 billion), according to a statement on Thursday. That’s up from a range of 23 billion kroner to 25 billion kroner given in July.
受存款和贷款规模扩大以及存款利差改善等因素推动，第三季度净利息收入较去年同期增长5.9%，达到96.1亿克朗，符合彭博社调查中分析师平均预期的96.6亿克朗。
Third-quarter net interest income rose 5.9% from a year earlier to 9.61 billion kroner, in line with the 9.66 billion-krone average analyst estimate in a Bloomberg survey, driven by factors including higher deposit and lending volumes, and improved deposit margins.
净手续费和佣金收入较去年同期增长16%，达到40.7亿克朗，超出预期。
Net fee and commissions income increased 16% from a year ago to 4.07 billion kroner, beating estimates.
与北欧同行一样，随着借贷机构扩大产生手续费的业务，丹麦银行正在寻求获得更大份额的财富管理业务。该银行于9月份宣布了其在财富管理领域规模最大的投资，推出了名为Butterfly的富裕私人客户服务，该服务基于贝莱德公司（BlackRock Inc.）的阿拉丁财富（Aladdin Wealth）技术构建。
Like its Nordic peers, Danske Bank is seeking a bigger share of the wealth management business as lenders expand fee-generating activities. The lender in September announced its largest-ever investment in wealth management with the launch of Butterfly, a service for affluent private clients built on BlackRock Inc.’s Aladdin Wealth technology.
该银行于4月份上调了长期目标，旨在到2028年实现超过14.5%的股本回报率，并将成本收入比控制在不高于43%的水平。
The bank raised its longer-term targets in April, aiming for a return on equity of more than 14.5% in 2028 and a cost-to-income ratio of no more than 43%.
在此次发布财报之际，丹麦银行一直在裁减员工，以期简化业务并更多地利用自动化和人工智能。继5月份宣布裁减262个岗位之后，该银行上周宣布了在六个国家消除106个职位的计划。
The results come as Danske Bank has been reducing its workforce in a bid to simplify operations and make greater use of automation and artificial intelligence. The lender last week announced plans to eliminate 106 positions across six countries, following cuts of 262 roles unveiled in May.
技术与服务主管弗兰斯·沃尔德斯（Frans Woelders）于9月表示，随着客户需求的变化和新技术的推出，丹麦银行的员工规模在未来几年将继续缩减，同时人工智能有望提升全行的生产力。请翻译英文新闻的标题和正文为简体中文。
Frans Woelders, head of technology and services, said in September that Danske’s workforce will continue to shrink in coming years as customer needs change and new technology is rolled out, while AI is expected to boost productivity across the bank.