SJF Bank Balance Sheet

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	Jun '26 Jun 30, 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
Cash & Equivalents	-	6,463	7,152	4,632	3,312	4,201
Investment Securities	-	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	-	10,620	8,708	11,275	11,311	6,555
Gross Loans	-	14,909	13,343	13,202	12,237	12,617
Allowance for Loan Losses	-	-532.33	-552.44	-556.71	-547.27	-549.22
Net Loans	-	14,377	12,790	12,645	11,690	12,067
Property, Plant & Equipment	-	688.54	522.29	478.34	448.68	394.26
Goodwill	-	91.15	91.15	91.15	91.15	91.15
Other Intangible Assets	-	-	-	-	-	0.02
Investments in Real Estate	-	249.76	156.37	146.57	135.9	121.5
Accrued Interest Receivable	-	108.61	98.83	90.69	112.52	62.99
Other Receivables	-	174.28	169.02	181.62	166.82	150.72
Long-Term Deferred Tax Assets	-	-	-	-	55.27	116.2
Other Long-Term Assets	-	2,480	2,419	2,159	2,308	4,240
Total Assets	-	35,252	32,107	31,700	29,631	28,001
Accrued Expenses	-	39.24	35.88	37.16	38.75	40.11
Interest Bearing Deposits	-	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	-	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	-	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	-	29.82	9.26	3.29	-	-
Other Long-Term Liabilities	-	646.93	486.83	499.24	406.62	272.2
Total Liabilities	-	30,107	27,299	27,272	25,503	24,205
Common Stock	-	165.42	169.8	173.75	173.75	173.75
Retained Earnings	-	4,568	4,226	3,273	2,882	2,673
Comprehensive Income & Other	-	411.23	411.53	981.01	1,073	948.75
Shareholders' Equity	5,101	5,145	4,808	4,428	4,129	3,796
Total Liabilities & Equity	-	35,252	32,107	31,700	29,631	28,001
Total Debt	1,791	2,802	2,357	3,228	2,388	1,693
Net Cash (Debt)	1,994	3,681	4,812	1,428	944.56	2,531
Net Cash Growth	-38.57%	-23.51%	236.93%	51.21%	-62.69%	-35.42%
Net Cash Per Share	123.12	224.33	285.63	83.20	54.74	146.94
Filing Date Shares Outstanding	16.2	16.23	16.64	17.03	17.3	17.21
Total Common Shares Outstanding	16.2	16.23	16.64	17.03	17.3	17.21
Book Value Per Share	314.87	291.69	264.25	235.81	209.27	198.12
Tangible Book Value	5,009	5,053	4,717	4,336	4,037	3,704
Tangible Book Value Per Share	309.24	286.08	258.77	230.46	204.00	192.82