Kreditbanken 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
Net Interest Income	218.38	216.38	218.45	210.54	133.79	112.94
Net Interest Income Growth	0.67%	-0.95%	3.76%	57.37%	18.45%	9.64%
Non-Interest Income	148.13	153.28	145.62	141.22	62.75	97.29
Non-Interest Income Growth	-4.12%	5.26%	3.11%	125.05%	-35.50%	13.81%
Revenues Before Loan Losses	366.51	369.66	364.07	351.76	196.54	210.23
Provision for Credit Losses	6.58	5.09	24.46	17.34	9.05	-17.43
Revenue	359.93	364.57	339.61	334.42	187.49	227.67
Revenue Growth (YoY)	6.43%	7.35%	1.55%	78.37%	-17.65%	24.85%
Compensation Expenses	162.85	160.67	153.44	141.71	122.28	108.83
Other Non-Interest Expenses	1.81	1.74	1.62	1.72	10	2.18
Total Non-Interest Expense	164.65	162.41	155.07	143.44	132.27	111.02
Pretax Income	195.28	202.16	184.55	190.99	55.22	116.65
Provision for Income Taxes	45.76	47.27	45.3	44.11	11.74	24.16
Net Income	149.52	154.89	139.25	146.88	43.48	92.5
Net Income to Common	149.52	154.89	139.25	146.88	43.48	92.5
Net Income Growth	10.00%	11.23%	-5.20%	237.85%	-53.00%	55.06%
Shares Outstanding (Basic)	0	0	0	0	0	0
Shares Outstanding (Diluted)	0	0	0	0	0	0
Shares Change (YoY)	0.02%	-	0.00%	0.01%	-0.01%	-0.01%
EPS (Basic)	888.90	920.90	827.90	873.30	258.50	549.90
EPS (Diluted)	888.90	920.90	827.90	873.30	258.50	549.90
EPS Growth	9.98%	11.23%	-5.20%	237.83%	-52.99%	55.08%
Dividends Per Share	250.000	250.000	150.000	100.000	50.000	50.000
Dividend Growth	-	66.67%	50.00%	100.00%	-	-
Profit Margin	41.54%	42.49%	41.00%	43.92%	23.19%	40.63%
Effective Tax Rate	23.43%	23.38%	24.55%	23.09%	21.27%	20.71%