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	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
Interest Income on Loans	447.82	456.66	523.37	462.13	247.92	195.58
Interest Income on Investments	24.31	35.33	16.45	5.6	29.99	31.27
Total Interest Income	472.13	491.99	539.82	467.74	277.91	226.85
Interest Paid on Deposits	40.57	52.42	101.22	58.83	10.68	8.02
Interest Paid on Borrowings	-	-	-	-	8.42	10.6
Total Interest Expense	40.57	52.42	101.22	58.83	19.11	18.62
Net Interest Income	431.56	439.57	438.6	408.91	258.81	208.23
Net Interest Income Growth	-1.06%	0.22%	7.26%	58.00%	24.29%	8.27%
Gain (Loss) on Sale of Investments	25.73	9.74	25.21	35.88	-39.99	14.35
Other Non-Interest Income	255.01	237.73	214.03	198.45	216.15	182.06
Total Non-Interest Income	280.74	247.47	239.24	234.33	176.16	196.41
Non-Interest Income Growth	15.07%	3.44%	2.10%	33.02%	-10.31%	6.93%
Revenues Before Loan Losses	712.3	687.04	677.84	643.24	434.97	404.64
Provision for Loan Losses	6.93	8.6	18.18	27.64	2.7	-15.23
Revenue	705.38	678.45	659.66	615.6	432.27	419.87
Revenue Growth	6.61%	2.85%	7.16%	42.41%	2.95%	22.36%
Occupancy Expenses	8.42	8.29	13.89	15.33	6.62	7.34
Selling, General & Administrative	318.38	303.59	262.73	236.3	216.29	191.76
Other Non-Interest Expense	23.68	22.27	18.4	19.86	18.23	16.23
Total Non-Interest Expense	350.49	334.15	295.02	271.49	241.14	215.33
EBT Excluding Unusual Items	354.89	344.3	364.64	344.11	191.13	204.53
Pretax Income	354.89	344.3	364.64	344.11	191.13	204.53
Income Tax Expense	85.83	97.83	90.53	86.13	40.89	41.23
Net Income	269.07	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	263.78	241.19	268.83	252.69	144.95	158.01
Net Income Growth	6.93%	-10.28%	6.38%	74.33%	-8.27%	44.76%
Basic Shares Outstanding	10	10	10	10	10	8
Diluted Shares Outstanding	10	10	10	10	10	8
Shares Change	-0.01%	0.13%	-0.10%	0.47%	25.76%	-20.28%
EPS (Basic)	27.48	25.00	27.90	26.20	15.10	20.70
EPS (Diluted)	27.48	25.00	27.90	26.20	15.10	20.70
EPS Growth	6.93%	-10.39%	6.49%	73.51%	-27.05%	81.58%

Additional Metrics

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
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%	0%	50.00%
Effective Tax Rate	24.18%	28.41%	24.83%	25.03%	21.39%	20.16%