Hvidbjerg Bank A/S (CPH:HVID)

Hvidbjerg Bank Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	93.62	100.42	87.64	50.52	45.35	45.61
Interest Income on Investments	6.52	2.93	1.47	1.39	0.86	0.72
Total Interest Income	100.14	103.34	89.11	51.9	46.21	46.33
Interest Paid on Deposits	14.65	18.61	10.77	-0.62	-2.15	-0.29
Net Interest Income	85.49	84.73	78.34	52.53	48.36	46.62
Net Interest Income Growth (YoY)	-1.24%	8.16%	49.14%	8.63%	3.72%	-1.56%
Gain (Loss) on Sale of Investments	5.23	7.32	8.83	5.18	4.46	1.49
Other Non-Interest Income	46.44	43.77	42.03	49.88	37.8	33.81
Total Non-Interest Income	51.67	51.09	50.86	55.06	42.26	35.3
Non-Interest Income Growth (YoY)	1.59%	0.45%	-7.62%	30.27%	19.73%	-18.44%
Revenues Before Loan Losses	137.16	135.82	129.2	107.58	90.62	81.92
Provision for Loan Losses	-0.3	-0.3	2.28	1.49	-0.92	3.5
Revenue	137.46	136.12	126.92	106.09	91.54	78.42
Revenue Growth (YoY)	1.91%	7.24%	19.64%	15.90%	16.73%	-9.83%
Occupancy Expenses	1.57	1.46	1.34	2.76	-0.45	1.45
Selling, General & Administrative	91.36	89	81.66	71.69	62.74	58.36
Other Non-Interest Expense	0.01	0.02	0.02	0.02	0.01	0.01
Total Non-Interest Expense	92.93	90.47	83.02	74.47	62.3	59.82
EBT Excluding Unusual Items	44.53	45.64	43.9	31.63	29.24	18.6
Pretax Income	44.53	45.64	43.9	31.63	29.24	18.6
Income Tax Expense	10.46	11.16	10.27	6.45	5.5	3.87
Net Income	34.07	34.48	33.63	25.17	23.74	14.73
Preferred Dividends & Other Adjustments	1.45	1.45	1.16	-	-	-
Net Income to Common	32.62	33.03	32.47	25.17	23.74	14.73
Net Income Growth	-5.62%	2.52%	33.61%	6.02%	61.16%	-45.90%
Basic Shares Outstanding	2	2	2	2	2	2
Diluted Shares Outstanding	2	2	2	2	2	2
Shares Change (YoY)	-	0.01%	-3.91%	-0.24%	-2.59%	7.08%
EPS (Basic)	19.41	19.66	19.33	14.40	13.55	8.19
EPS (Diluted)	19.41	19.66	19.33	14.40	13.55	8.19
EPS Growth	-	1.71%	34.24%	6.27%	65.45%	-49.48%
Dividend Per Share	2.000	2.000	-	-	-	-
Effective Tax Rate	23.48%	24.46%	23.39%	20.41%	18.80%	20.80%

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