Kreditbanken Income Statement

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

Millions DKK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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	237.8	262.5	230.28	122.71	98.94
Interest Income on Investments	26.97	13.5	4.84	5.16	3.4
Total Interest Income	264.77	276	235.12	127.87	102.34
Interest Paid on Deposits	21.42	44.05	19.74	-11.08	-14
Net Interest Income	243.35	231.96	215.38	138.94	116.35
Net Interest Income Growth (YoY)	4.91%	7.70%	55.01%	19.42%	9.52%
Gain (Loss) on Sale of Investments	13.76	33.48	38.82	-40.81	4.2
Other Non-Interest Income	112.55	98.63	97.6	98.51	89.74
Total Non-Interest Income	126.31	132.12	136.42	57.7	93.94
Non-Interest Income Growth (YoY)	-4.39%	-3.15%	136.42%	-38.58%	14.73%
Revenues Before Loan Losses	369.66	364.07	351.79	196.64	210.29
Provision for Loan Losses	5.09	24.46	17.34	9.05	-17.43
Revenue	364.57	339.61	334.45	187.6	227.72
Revenue Growth (YoY)	7.35%	1.54%	78.28%	-17.62%	25.14%
Occupancy Expenses	1.74	1.62	1.72	9.88	2.07
Selling, General & Administrative	148.69	142.9	131.46	113.25	100.35
Other Non-Interest Expense	11.98	10.54	10.26	9.13	8.6
Total Non-Interest Expense	162.41	155.07	143.44	132.27	111.02
EBT Excluding Unusual Items	202.16	184.55	191.02	55.33	116.71
Asset Writedown	-	-	-0.03	-0.11	-0.06
Pretax Income	202.16	184.55	190.99	55.22	116.65
Income Tax Expense	47.27	45.3	44.11	11.74	24.16
Net Income	154.89	139.25	146.88	43.48	92.5
Net Income to Common	154.89	139.25	146.88	43.48	92.5
Net Income Growth	11.23%	-5.20%	237.85%	-53.00%	55.06%
Basic Shares Outstanding	0	0	0	0	0
Diluted Shares Outstanding	0	0	0	0	0
Shares Change (YoY)	-	0.00%	0.01%	-0.01%	-0.01%
EPS (Basic)	920.90	827.90	873.30	258.50	549.90
EPS (Diluted)	920.90	827.90	873.30	258.50	549.90
EPS Growth	11.23%	-5.20%	237.83%	-52.99%	55.08%
Dividend Per Share	250.000	150.000	100.000	50.000	50.000
Dividend Growth	66.67%	50.00%	100.00%	-	-
Effective Tax Rate	23.38%	24.55%	23.09%	21.27%	20.71%

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