Kreditbanken Income Statement

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

Millions DKK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	245.22	262.5	230.28	122.71	98.94	96.15
Interest Income on Investments	21.26	13.5	4.84	5.16	3.4	3.23
Total Interest Income	266.48	276	235.12	127.87	102.34	99.38
Interest Paid on Deposits	29.12	44.05	19.74	-11.08	-14	-6.86
Net Interest Income	237.36	231.96	215.38	138.94	116.35	106.24
Net Interest Income Growth (YoY)	1.76%	7.70%	55.01%	19.42%	9.52%	-1.58%
Gain (Loss) on Sale of Investments	21.74	33.48	38.82	-40.81	4.2	7.05
Other Non-Interest Income	108.07	98.63	97.6	98.51	89.74	74.83
Total Non-Interest Income	129.81	132.12	136.42	57.7	93.94	81.88
Non-Interest Income Growth (YoY)	-6.88%	-3.15%	136.42%	-38.58%	14.73%	-0.08%
Revenues Before Loan Losses	367.17	364.07	351.79	196.64	210.29	188.12
Provision for Loan Losses	13.46	24.46	17.34	9.05	-17.43	6.14
Revenue	353.71	339.61	334.45	187.6	227.72	181.97
Revenue Growth (YoY)	-1.26%	1.54%	78.28%	-17.62%	25.14%	-11.96%
Occupancy Expenses	1.63	1.62	1.72	9.88	2.07	6.1
Selling, General & Administrative	150.83	142.9	131.46	113.25	100.35	92.57
Other Non-Interest Expense	10.54	10.54	10.26	9.13	8.6	8.18
Total Non-Interest Expense	163	155.07	143.44	132.27	111.02	106.85
EBT Excluding Unusual Items	190.71	184.55	191.02	55.33	116.71	75.13
Asset Writedown	-	-	-0.03	-0.11	-0.06	0.38
Pretax Income	190.71	184.55	190.99	55.22	116.65	75.51
Income Tax Expense	45.85	45.3	44.11	11.74	24.16	15.86
Net Income	144.86	139.25	146.88	43.48	92.5	59.65
Net Income to Common	144.86	139.25	146.88	43.48	92.5	59.65
Net Income Growth	-9.98%	-5.20%	237.85%	-53.00%	55.06%	-30.10%
Basic Shares Outstanding	0	0	0	0	0	0
Diluted Shares Outstanding	0	0	0	0	0	0
Shares Change (YoY)	-0.00%	0.00%	0.01%	-0.01%	-0.01%	0.01%
EPS (Basic)	861.30	827.90	873.30	258.50	549.90	354.60
EPS (Diluted)	861.30	827.90	873.30	258.50	549.90	354.60
EPS Growth	-9.98%	-5.20%	237.83%	-52.99%	55.08%	-30.10%
Dividend Per Share	150.000	150.000	100.000	50.000	50.000	50.000
Dividend Growth	50.00%	50.00%	100.00%	-	-	-
Effective Tax Rate	24.04%	24.55%	23.09%	21.27%	20.71%	21.00%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.