Hvidbjerg Bank A/S (CPH:HVID)

Hvidbjerg Bank Income Statement

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

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	86.56	100.42	87.64	50.52	45.35
Interest Income on Investments	8.46	2.93	1.47	1.39	0.86
Total Interest Income	95.01	103.34	89.11	51.9	46.21
Interest Paid on Deposits	8.27	18.61	10.77	-0.62	-2.15
Net Interest Income	86.74	84.73	78.34	52.53	48.36
Net Interest Income Growth (YoY)	2.37%	8.16%	49.14%	8.63%	3.72%
Gain (Loss) on Sale of Investments	2.05	7.32	8.83	5.18	4.46
Other Non-Interest Income	50.86	43.77	42.03	49.88	37.8
Total Non-Interest Income	52.9	51.09	50.86	55.06	42.26
Non-Interest Income Growth (YoY)	3.54%	0.45%	-7.62%	30.27%	19.73%
Revenues Before Loan Losses	139.64	135.82	129.2	107.58	90.62
Provision for Loan Losses	4.69	-0.3	2.28	1.49	-0.92
Revenue	134.95	136.12	126.92	106.09	91.54
Revenue Growth (YoY)	-0.86%	7.24%	19.64%	15.90%	16.73%
Occupancy Expenses	1.87	1.46	1.34	2.76	-0.45
Selling, General & Administrative	96.26	89	81.66	71.69	62.74
Other Non-Interest Expense	0.01	0.02	0.02	0.02	0.01
Total Non-Interest Expense	98.13	90.47	83.02	74.47	62.3
EBT Excluding Unusual Items	36.82	45.64	43.9	31.63	29.24
Pretax Income	36.82	45.64	43.9	31.63	29.24
Income Tax Expense	7.06	11.16	10.27	6.45	5.5
Net Income	29.76	34.48	33.63	25.17	23.74
Preferred Dividends & Other Adjustments	1.22	1.45	1.16	-	-
Net Income to Common	28.53	33.03	32.47	25.17	23.74
Net Income Growth	-13.71%	2.52%	33.61%	6.02%	61.16%
Basic Shares Outstanding	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2
Shares Change (YoY)	0.03%	0.01%	-3.91%	-0.24%	-2.59%
EPS (Basic)	16.98	19.66	19.33	14.40	13.55
EPS (Diluted)	16.98	19.66	19.33	14.40	13.55
EPS Growth	-13.63%	1.71%	34.24%	6.27%	65.45%
Dividend Per Share	-	2.000	-	-	-
Effective Tax Rate	19.18%	24.46%	23.39%	20.41%	18.80%

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