AL Sydbank Income Statement

Financials in millions DKK. Fiscal year is January - December.

Millions DKK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	4,308	5,228	4,921	2,646	2,081
Interest Income on Investments	1,367	1,768	1,260	416	308
Total Interest Income	5,675	6,996	6,181	3,062	2,389
Interest Paid on Deposits	1,621	2,583	1,694	433	437
Net Interest Income	4,054	4,413	4,487	2,629	1,952
Net Interest Income Growth (YoY)	-8.13%	-1.65%	70.67%	34.68%	17.87%
Gain (Loss) on Sale of Investments	129	154	209	114	145
Other Non-Interest Income	4,430	2,997	2,781	2,639	2,698
Total Non-Interest Income	4,559	3,151	2,990	2,753	2,843
Non-Interest Income Growth (YoY)	44.68%	5.38%	8.61%	-3.17%	25.74%
Revenues Before Loan Losses	8,613	7,564	7,477	5,382	4,795
Provision for Loan Losses	249	332	-62	-133	-597
Revenue	8,364	7,232	7,539	5,515	5,392
Revenue Growth (YoY)	15.65%	-4.07%	36.70%	2.28%	25.13%
Occupancy Expenses	145	133	126	111	131
Selling, General & Administrative	2,387	2,933	2,779	2,701	2,819
Other Non-Interest Expense	1,184	241	224	231	226
Total Non-Interest Expense	3,659	3,255	3,122	3,035	3,169
EBT Excluding Unusual Items	4,705	3,977	4,417	2,480	2,223
Asset Writedown	-6	-12	-13	-4	-7
Legal Settlements	-62	-263	-35	-37	-182
Other Unusual Items	-2,163	-57	-88	-34	-270
Pretax Income	2,474	3,645	4,281	2,405	1,764
Income Tax Expense	581	883	939	504	353
Net Income	1,893	2,762	3,342	1,901	1,411
Preferred Dividends & Other Adjustments	61	39	39	39	39
Net Income to Common	1,832	2,723	3,303	1,862	1,372
Net Income Growth	-31.46%	-17.36%	75.80%	34.73%	76.60%
Basic Shares Outstanding	52	53	56	58	59
Diluted Shares Outstanding	52	53	56	58	59
Shares Change (YoY)	-1.85%	-4.90%	-2.64%	-2.77%	0.26%
EPS (Basic)	35.03	51.10	58.95	32.35	23.18
EPS (Diluted)	34.80	50.90	58.80	32.20	23.00
EPS Growth	-31.63%	-13.44%	82.61%	40.00%	79.69%
Dividend Per Share	25.000	26.880	30.560	16.770	12.000
Dividend Growth	-6.99%	-12.04%	82.23%	39.75%	200.00%
Effective Tax Rate	23.48%	24.22%	21.93%	20.96%	20.01%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.