SJF 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	917.77	1,036	849.63	515.66	482.76	485.62
Interest Income on Investments	267.49	267.65	230.83	159.58	76.33	89.13
Total Interest Income	1,185	1,304	1,080	675.24	559.08	574.75
Interest Paid on Deposits	183.26	279.52	198.32	-10.75	-40.99	-11.14
Net Interest Income	1,002	1,024	882.14	685.99	600.08	585.89
Net Interest Income Growth (YoY)	-1.96%	16.11%	28.59%	14.32%	2.42%	-0.64%
Gain (Loss) on Sale of Investments	106.95	82.98	87.38	-75.13	22.08	14.65
Other Non-Interest Income	677.38	653.43	623.24	685.35	646.57	595.91
Total Non-Interest Income	784.32	736.42	710.61	610.22	668.65	610.56
Non-Interest Income Growth (YoY)	6.93%	3.63%	16.45%	-8.74%	9.51%	16.85%
Revenues Before Loan Losses	1,786	1,761	1,593	1,296	1,269	1,196
Provision for Loan Losses	53.19	44.59	15.64	-15.95	-24.77	160.93
Revenue	1,733	1,716	1,577	1,312	1,293	1,036
Revenue Growth (YoY)	-0.33%	8.81%	20.19%	1.44%	24.91%	-5.45%
Occupancy Expenses	18.61	28.94	30.01	29.03	29.91	58.1
Selling, General & Administrative	915.13	858.36	829.06	770.64	723.03	729.05
Other Non-Interest Expense	25.04	27.88	31.61	18.87	19.69	23.31
Total Non-Interest Expense	931.08	884.65	850.58	807.06	750.62	775.45
EBT Excluding Unusual Items	802.05	831.43	726.53	505.1	542.87	260.07
Asset Writedown	-18.9	-16.66	-25.9	-22.47	-11.83	-18.19
Other Unusual Items	-	-	-	-0.59	-0.03	-
Pretax Income	783.15	814.77	700.63	482.05	531.02	241.88
Income Tax Expense	160.02	191.65	142.21	110.28	87.49	13.23
Earnings From Continuing Operations	623.14	623.12	558.42	371.77	443.53	228.66
Net Income	623.14	623.12	558.42	371.77	443.53	228.66
Preferred Dividends & Other Adjustments	55.91	60.57	53.43	26.11	24.5	24.45
Net Income to Common	567.23	562.56	504.99	345.65	419.03	204.21
Net Income Growth	-1.04%	11.59%	50.21%	-16.18%	93.97%	0.85%
Basic Shares Outstanding	17	17	17	17	17	17
Diluted Shares Outstanding	17	17	17	17	17	17
Shares Change (YoY)	-2.42%	-1.85%	-0.52%	0.17%	-0.31%	-0.35%
EPS (Basic)	34.35	33.39	29.42	20.03	24.32	11.82
EPS (Diluted)	34.35	33.39	29.40	20.00	24.30	11.80
EPS Growth	1.33%	13.57%	47.00%	-17.70%	105.93%	1.17%
Dividend Per Share	10.000	10.000	8.000	6.000	6.000	-
Dividend Growth	25.00%	25.00%	33.33%	-	-	-
Effective Tax Rate	20.43%	23.52%	20.30%	22.88%	16.48%	5.47%

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