Skjern Bank Income Statement

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

Millions DKK. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Interest Income on Loans	472.86	523.37	462.13	247.92	195.58	195.69
Interest Income on Investments	24.8	16.45	5.6	29.99	31.27	17.21
Total Interest Income	497.66	539.82	467.74	277.91	226.85	212.9
Interest Paid on Deposits	66.9	101.22	58.83	10.68	8.02	8.34
Interest Paid on Borrowings	-	-	-	8.42	10.6	12.22
Total Interest Expense	66.9	101.22	58.83	19.11	18.62	20.57
Net Interest Income	430.76	438.6	408.91	258.81	208.23	192.33
Net Interest Income Growth (YoY)	-3.49%	7.26%	58.00%	24.29%	8.27%	0.62%
Gain (Loss) on Sale of Investments	17.48	25.21	35.88	-39.99	14.35	22.39
Other Non-Interest Income	232.34	214.03	198.45	216.15	182.06	161.28
Total Non-Interest Income	249.82	239.24	234.33	176.16	196.41	183.67
Non-Interest Income Growth (YoY)	0.91%	2.10%	33.02%	-10.31%	6.93%	-0.95%
Revenues Before Loan Losses	680.58	677.84	643.24	434.97	404.64	376
Provision for Loan Losses	16.12	18.18	27.64	2.7	-15.23	32.87
Revenue	664.46	659.66	615.6	432.27	419.87	343.13
Revenue Growth (YoY)	0.01%	7.16%	42.41%	2.95%	22.36%	-4.62%
Occupancy Expenses	9.26	13.89	15.33	6.62	7.34	5.2
Selling, General & Administrative	297.07	262.73	236.3	216.29	191.76	178.29
Other Non-Interest Expense	21.63	18.4	19.86	18.23	16.23	15.87
Total Non-Interest Expense	327.95	295.02	271.49	241.14	215.33	199.36
EBT Excluding Unusual Items	336.5	364.64	344.11	191.13	204.53	143.77
Pretax Income	336.5	364.64	344.11	191.13	204.53	143.77
Income Tax Expense	90.44	90.53	86.13	40.89	41.23	28.13
Net Income	246.07	274.11	257.98	150.24	163.3	115.64
Preferred Dividends & Other Adjustments	5.29	5.29	5.29	5.29	5.29	6.49
Net Income to Common	240.78	268.83	252.69	144.95	158.01	109.15
Net Income Growth	-11.99%	6.25%	71.71%	-8.00%	41.22%	-14.64%
Basic Shares Outstanding	10	10	10	10	8	10
Diluted Shares Outstanding	10	10	10	10	8	10
Shares Change (YoY)	-0.26%	-0.10%	0.47%	25.76%	-20.28%	-0.43%
EPS (Basic)	24.99	27.90	26.20	15.10	20.70	11.40
EPS (Diluted)	24.99	27.90	26.20	15.10	20.70	11.40
EPS Growth	-11.99%	6.49%	73.51%	-27.05%	81.58%	-14.92%
Dividend Per Share	3.000	3.000	5.000	3.000	3.000	2.000
Dividend Growth	-40.00%	-40.00%	66.67%	-	50.00%	-33.33%
Effective Tax Rate	26.88%	24.83%	25.03%	21.39%	20.16%	19.57%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.