SJF Bank Balance Sheet

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

Millions DKK. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	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
Cash & Equivalents	6,463	7,152	4,632	3,312	4,201
Investment Securities	10,599	8,690	11,251	11,290	6,532
Trading Asset Securities	20.48	17.59	24.52	20.03	23.09
Total Investments	10,620	8,708	11,275	11,311	6,555
Gross Loans	14,909	13,343	13,202	12,237	12,617
Allowance for Loan Losses	-532.33	-552.44	-556.71	-547.27	-549.22
Net Loans	14,377	12,790	12,645	11,690	12,067
Property, Plant & Equipment	688.54	522.29	478.34	448.68	394.26
Goodwill	91.15	91.15	91.15	91.15	91.15
Other Intangible Assets	-	-	-	-	0.02
Investments in Real Estate	249.76	156.37	146.57	135.9	121.5
Accrued Interest Receivable	108.61	98.83	90.69	112.52	62.99
Other Receivables	174.28	169.02	181.62	166.82	150.72
Long-Term Deferred Tax Assets	-	-	-	55.27	116.2
Other Long-Term Assets	2,480	2,419	2,159	2,308	4,240
Total Assets	35,252	32,107	31,700	29,631	28,001
Accrued Expenses	39.24	35.88	37.16	38.75	40.11
Interest Bearing Deposits	3,846	3,868	3,592	3,002	3,407
Non-Interest Bearing Deposits	22,710	20,507	19,882	19,647	18,765
Total Deposits	26,556	24,375	23,474	22,649	22,171
Short-Term Borrowings	573.69	609.28	514.1	489.92	599.4
Current Portion of Long-Term Debt	980.37	607.19	1,518	912.13	0.17
Current Portion of Leases	7.63	11.34	10.14	10.23	10.44
Accrued Interest Payable	17.32	19.34	19.99	13.46	16.32
Other Current Liabilities	15.75	15.66	10.4	7.27	12.67
Long-Term Debt	1,236	1,116	1,168	950.4	1,049
Long-Term Leases	4.72	12.95	17.77	25	34.06
Long-Term Deferred Tax Liabilities	29.82	9.26	3.29	-	-
Other Long-Term Liabilities	646.93	486.83	499.24	406.62	272.2
Total Liabilities	30,107	27,299	27,272	25,503	24,205
Common Stock	165.42	169.8	173.75	173.75	173.75
Retained Earnings	4,568	4,226	3,273	2,882	2,673
Comprehensive Income & Other	411.23	411.53	981.01	1,073	948.75
Shareholders' Equity	5,145	4,808	4,428	4,129	3,796
Total Liabilities & Equity	35,252	32,107	31,700	29,631	28,001
Total Debt	2,802	2,357	3,228	2,388	1,693
Net Cash (Debt)	3,681	4,812	1,428	944.56	2,531
Net Cash Growth	-23.51%	236.93%	51.21%	-62.69%	-35.42%
Net Cash Per Share	224.33	285.63	83.20	54.74	146.94
Filing Date Shares Outstanding	16.23	16.64	17.03	17.3	17.21
Total Common Shares Outstanding	16.23	16.64	17.03	17.3	17.21
Book Value Per Share	291.69	264.25	235.81	209.27	198.12
Tangible Book Value	5,053	4,717	4,336	4,037	3,704
Tangible Book Value Per Share	286.08	258.77	230.46	204.00	192.82

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