SJF 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	852.41	869.89	1,036	849.63	515.66	482.76
Interest Income on Investments	308.44	296.3	267.65	230.83	159.58	76.33
Total Interest Income	1,161	1,166	1,304	1,080	675.24	559.08
Interest Paid on Deposits	140.02	153.27	279.52	198.32	-10.75	-40.99
Net Interest Income	1,021	1,013	1,024	882.14	685.99	600.08
Net Interest Income Growth (YoY)	0.70%	-1.11%	16.11%	28.59%	14.32%	2.42%
Gain (Loss) on Sale of Investments	81.15	90.63	82.98	87.38	-75.13	22.08
Other Non-Interest Income	694.89	686.12	653.43	623.24	685.35	646.57
Total Non-Interest Income	776.04	776.76	736.42	710.61	610.22	668.65
Non-Interest Income Growth (YoY)	4.25%	5.48%	3.63%	16.45%	-8.74%	9.51%
Revenues Before Loan Losses	1,797	1,790	1,761	1,593	1,296	1,269
Provision for Loan Losses	31.06	20.21	44.59	15.64	-15.95	-24.77
Revenue	1,766	1,769	1,716	1,577	1,312	1,293
Revenue Growth (YoY)	2.06%	3.11%	8.81%	20.19%	1.44%	24.91%
Occupancy Expenses	13.03	20.86	28.94	30.01	29.03	29.91
Selling, General & Administrative	946.71	950.31	858.36	829.06	770.64	723.03
Other Non-Interest Expense	22.14	26.79	27.88	31.61	18.87	19.69
Total Non-Interest Expense	964.65	984.17	884.65	850.58	807.06	750.62
EBT Excluding Unusual Items	801.16	785.29	831.43	726.53	505.1	542.87
Asset Writedown	-24.71	-14.01	-16.66	-25.9	-22.47	-11.83
Other Unusual Items	-	-	-	-	-0.59	-0.03
Pretax Income	776.46	771.28	814.77	700.63	482.05	531.02
Income Tax Expense	161.41	159.69	191.65	142.21	110.28	87.49
Net Income	615.04	611.59	623.12	558.42	371.77	443.53
Preferred Dividends & Other Adjustments	53.77	54.5	60.57	53.43	26.11	24.5
Net Income to Common	561.28	557.09	562.56	504.99	345.65	419.03
Net Income Growth	-2.10%	-1.85%	11.59%	50.21%	-16.18%	93.97%
Basic Shares Outstanding	16	16	17	17	17	17
Diluted Shares Outstanding	16	16	17	17	17	17
Shares Change (YoY)	-2.42%	-2.61%	-1.85%	-0.52%	0.17%	-0.31%
EPS (Basic)	34.39	33.95	33.39	29.42	20.03	24.32
EPS (Diluted)	34.39	33.95	33.39	29.40	20.00	24.30
EPS Growth	1.24%	1.68%	13.57%	47.00%	-17.70%	105.93%
Dividend Per Share	11.000	11.000	10.000	8.000	6.000	6.000
Dividend Growth	10.00%	10.00%	25.00%	33.33%	-	-
Effective Tax Rate	20.79%	20.70%	23.52%	20.30%	22.88%	16.48%

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