Skjern 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	447.53	456.66	523.37	462.13	247.92	195.58
Interest Income on Investments	39.46	35.33	16.45	5.6	29.99	31.27
Total Interest Income	486.99	491.99	539.82	467.74	277.91	226.85
Interest Paid on Deposits	43	52.42	101.22	58.83	10.68	8.02
Interest Paid on Borrowings	-	-	-	-	8.42	10.6
Total Interest Expense	43	52.42	101.22	58.83	19.11	18.62
Net Interest Income	443.99	439.57	438.6	408.91	258.81	208.23
Net Interest Income Growth (YoY)	2.98%	0.22%	7.26%	58.00%	24.29%	8.27%
Gain (Loss) on Sale of Investments	9.74	9.74	25.21	35.88	-39.99	14.35
Other Non-Interest Income	239.4	237.73	214.03	198.45	216.15	182.06
Total Non-Interest Income	249.13	247.47	239.24	234.33	176.16	196.41
Non-Interest Income Growth (YoY)	3.39%	3.44%	2.10%	33.02%	-10.31%	6.93%
Revenues Before Loan Losses	693.12	687.04	677.84	643.24	434.97	404.64
Provision for Loan Losses	5.92	8.6	18.18	27.64	2.7	-15.23
Revenue	687.2	678.45	659.66	615.6	432.27	419.87
Revenue Growth (YoY)	5.36%	2.85%	7.16%	42.41%	2.95%	22.36%
Occupancy Expenses	8.29	8.29	13.89	15.33	6.62	7.34
Selling, General & Administrative	309.76	303.59	262.73	236.3	216.29	191.76
Other Non-Interest Expense	22.27	22.27	18.4	19.86	18.23	16.23
Total Non-Interest Expense	340.31	334.15	295.02	271.49	241.14	215.33
EBT Excluding Unusual Items	346.9	344.3	364.64	344.11	191.13	204.53
Pretax Income	346.9	344.3	364.64	344.11	191.13	204.53
Income Tax Expense	83.92	97.83	90.53	86.13	40.89	41.23
Net Income	262.97	246.47	274.11	257.98	150.24	163.3
Preferred Dividends & Other Adjustments	5.29	5.29	5.29	5.29	5.29	5.29
Net Income to Common	257.69	241.19	268.83	252.69	144.95	158.01
Net Income Growth	2.74%	-10.08%	6.25%	71.71%	-8.00%	41.22%
Basic Shares Outstanding	-	10	10	10	10	8
Diluted Shares Outstanding	-	10	10	10	10	8
Shares Change (YoY)	-	0.13%	-0.10%	0.47%	25.76%	-20.28%
EPS (Basic)	-	25.00	27.90	26.20	15.10	20.70
EPS (Diluted)	-	25.00	27.90	26.20	15.10	20.70
EPS Growth	-	-10.39%	6.49%	73.51%	-27.05%	81.58%
Dividend Per Share	3.500	3.500	3.000	5.000	3.000	3.000
Dividend Growth	16.67%	16.67%	-40.00%	66.67%	-	50.00%
Effective Tax Rate	24.19%	28.41%	24.83%	25.03%	21.39%	20.16%

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