Hvidbjerg Bank Income Statement

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

Millions DKK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	85.24	86.56	100.42	87.64	50.52	45.35
Interest Income on Investments	9.17	8.46	2.93	1.47	1.39	0.86
Total Interest Income	94.41	95.01	103.34	89.11	51.9	46.21
Interest Paid on Deposits	6.26	8.27	18.61	10.77	-0.62	-2.15
Net Interest Income	88.16	86.74	84.73	78.34	52.53	48.36
Net Interest Income Growth (YoY)	6.06%	2.37%	8.16%	49.14%	8.63%	3.72%
Gain (Loss) on Sale of Investments	2.05	2.05	7.32	8.83	5.18	4.46
Other Non-Interest Income	49.32	50.86	43.77	42.03	49.88	37.8
Total Non-Interest Income	51.37	52.9	51.09	50.86	55.06	42.26
Non-Interest Income Growth (YoY)	-5.07%	3.54%	0.45%	-7.62%	30.27%	19.73%
Revenues Before Loan Losses	139.52	139.64	135.82	129.2	107.58	90.62
Provision for Loan Losses	4.09	4.69	-0.3	2.28	1.49	-0.92
Revenue	135.43	134.95	136.12	126.92	106.09	91.54
Revenue Growth (YoY)	-1.69%	-0.86%	7.24%	19.64%	15.90%	16.73%
Occupancy Expenses	1.86	1.87	1.46	1.34	2.76	-0.45
Selling, General & Administrative	98.79	96.26	89	81.66	71.69	62.74
Other Non-Interest Expense	0.01	0.01	0.02	0.02	0.02	0.01
Total Non-Interest Expense	100.66	98.13	90.47	83.02	74.47	62.3
EBT Excluding Unusual Items	34.77	36.82	45.64	43.9	31.63	29.24
Pretax Income	34.77	36.82	45.64	43.9	31.63	29.24
Income Tax Expense	6.67	7.06	11.16	10.27	6.45	5.5
Net Income	28.1	29.76	34.48	33.63	25.17	23.74
Preferred Dividends & Other Adjustments	1.22	1.22	1.45	1.16	-	-
Net Income to Common	26.88	28.53	33.03	32.47	25.17	23.74
Net Income Growth	-18.68%	-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%	19.18%	24.46%	23.39%	20.41%	18.80%

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