SJF Bank A/S (CPH:SPKSJF)

SJF Bank Balance Sheet

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	6,000	7,152	4,632	3,312	4,201	5,294
Investment Securities	10,440	8,690	11,251	11,290	6,532	5,774
Trading Asset Securities	-	17.59	24.52	20.03	23.09	30
Total Investments	10,440	8,708	11,275	11,311	6,555	5,804
Gross Loans	13,985	13,343	13,202	12,237	12,617	12,583
Allowance for Loan Losses	-	-552.44	-556.71	-547.27	-549.22	-631.17
Net Loans	13,985	12,790	12,645	11,690	12,067	11,951
Property, Plant & Equipment	758.95	522.29	478.34	448.68	394.26	342.37
Goodwill	-	91.15	91.15	91.15	91.15	91.15
Other Intangible Assets	91.15	-	-	-	0.02	0.1
Investments in Real Estate	165.76	156.37	146.57	135.9	121.5	122.05
Accrued Interest Receivable	37.17	98.83	90.69	112.52	62.99	65.93
Other Receivables	-	169.02	181.62	166.82	150.72	51.11
Long-Term Deferred Tax Assets	-	-	-	55.27	116.2	162.98
Other Long-Term Assets	2,671	2,419	2,159	2,308	4,240	3,381
Total Assets	34,149	32,107	31,700	29,631	28,001	27,266
Accrued Expenses	38.82	35.88	37.16	38.75	40.11	36.08
Interest Bearing Deposits	26,057	3,868	3,592	3,002	3,407	3,153
Non-Interest Bearing Deposits	-	20,507	19,882	19,647	18,765	18,929
Total Deposits	26,057	24,375	23,474	22,649	22,171	22,083
Short-Term Borrowings	-	609.28	514.1	489.92	599.4	587.52
Current Portion of Long-Term Debt	-	607.19	1,518	912.13	0.17	0.43
Current Portion of Leases	-	11.34	10.14	10.23	10.44	20.49
Current Income Taxes Payable	20.39	-	-	-	-	-
Accrued Interest Payable	-	19.34	19.99	13.46	16.32	12.37
Other Current Liabilities	-	15.66	10.4	7.27	12.67	20.89
Long-Term Debt	2,378	1,116	1,168	950.4	1,049	768.92
Long-Term Leases	-	12.95	17.77	25	34.06	27
Long-Term Deferred Tax Liabilities	7.11	9.26	3.29	-	-	-
Other Long-Term Liabilities	598.28	486.83	499.24	406.62	272.2	327.54
Total Liabilities	29,100	27,299	27,272	25,503	24,205	23,884
Common Stock	165.42	169.8	173.75	173.75	173.75	173.75
Retained Earnings	3,889	3,645	3,273	2,882	2,673	2,260
Comprehensive Income & Other	994.59	992.73	981.01	1,073	948.75	948.4
Shareholders' Equity	5,049	4,808	4,428	4,129	3,796	3,382
Total Liabilities & Equity	34,149	32,107	31,700	29,631	28,001	27,266
Total Debt	2,378	2,357	3,228	2,388	1,693	1,404
Net Cash (Debt)	3,622	4,812	1,428	944.56	2,531	3,920
Net Cash Growth	38.11%	236.93%	51.21%	-62.69%	-35.42%	128.39%
Net Cash Per Share	221.55	285.63	83.20	54.74	146.94	226.83
Filing Date Shares Outstanding	17.38	16.64	17.03	17.3	17.21	17.24
Total Common Shares Outstanding	17.38	16.64	17.03	17.3	17.21	17.24
Book Value Per Share	290.56	264.25	235.81	209.27	198.12	173.76
Tangible Book Value	4,958	4,717	4,336	4,037	3,704	3,291
Tangible Book Value Per Share	285.32	258.77	230.46	204.00	192.82	168.47

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