SJF Bank A/S (CPH:SJF)

SJF Bank Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	5,107	6,463	7,152	4,632	3,312	4,201
Investment Securities	12,073	10,599	8,690	11,251	11,290	6,532
Trading Asset Securities	-	20.48	17.59	24.52	20.03	23.09
Total Investments	12,073	10,620	8,708	11,275	11,311	6,555
Gross Loans	15,783	14,909	13,343	13,202	12,237	12,617
Allowance for Loan Losses	-211.05	-532.33	-552.44	-556.71	-547.27	-549.22
Net Loans	15,572	14,377	12,790	12,645	11,690	12,067
Property, Plant & Equipment	695.26	688.54	522.29	478.34	448.68	394.26
Goodwill	91.15	91.15	91.15	91.15	91.15	91.15
Other Intangible Assets	-	-	-	-	-	0.02
Investments in Real Estate	301.56	249.76	156.37	146.57	135.9	121.5
Accrued Interest Receivable	32.92	108.61	98.83	90.69	112.52	62.99
Other Receivables	32.97	174.28	169.02	181.62	166.82	150.72
Long-Term Deferred Tax Assets	-	-	-	-	55.27	116.2
Other Long-Term Assets	2,809	2,480	2,419	2,159	2,308	4,240
Total Assets	36,715	35,252	32,107	31,700	29,631	28,001

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accrued Expenses	38.58	39.24	35.88	37.16	38.75	40.11
Interest Bearing Deposits	28,493	3,846	3,868	3,592	3,002	3,407
Non-Interest Bearing Deposits	-	22,710	20,507	19,882	19,647	18,765
Total Deposits	28,493	26,556	24,375	23,474	22,649	22,171
Short-Term Borrowings	-	573.69	609.28	514.1	489.92	599.4
Current Portion of Long-Term Debt	-	980.37	607.19	1,518	912.13	0.17
Current Portion of Leases	-	7.63	11.34	10.14	10.23	10.44
Accrued Interest Payable	-	17.32	19.34	19.99	13.46	16.32
Other Current Liabilities	-	15.75	15.66	10.4	7.27	12.67
Long-Term Debt	2,220	1,236	1,116	1,168	950.4	1,049
Long-Term Leases	-	4.72	12.95	17.77	25	34.06
Long-Term Deferred Tax Liabilities	44.17	29.82	9.26	3.29	-	-
Other Long-Term Liabilities	679.81	646.93	486.83	499.24	406.62	272.2
Total Liabilities	31,475	30,107	27,299	27,272	25,503	24,205

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	162.29	165.42	169.8	173.75	173.75	173.75
Retained Earnings	4,665	4,568	4,226	3,273	2,882	2,673
Comprehensive Income & Other	412.54	411.23	411.53	981.01	1,073	948.75
Shareholders' Equity	5,240	5,145	4,808	4,428	4,129	3,796
Total Liabilities & Equity	36,715	35,252	32,107	31,700	29,631	28,001

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	2,220	2,802	2,357	3,228	2,388	1,693
Net Cash (Debt)	2,887	3,681	4,812	1,428	944.56	2,531
Net Cash Growth	-11.09%	-23.51%	236.93%	51.21%	-62.69%	-35.42%
Net Cash Per Share	177.55	224.33	285.63	83.20	54.74	146.94
Filing Date Shares Outstanding	16.18	16.23	16.64	17.03	17.3	17.21
Total Common Shares Outstanding	16.18	16.23	16.64	17.03	17.3	17.21
Book Value Per Share	298.48	291.69	264.25	235.81	209.27	198.12
Tangible Book Value	5,149	5,053	4,717	4,336	4,037	3,704
Tangible Book Value Per Share	292.84	286.08	258.77	230.46	204.00	192.82

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 7, 2026

Data Sources Report a data error