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	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	5,766	7,152	4,632	3,312	4,201	5,294
Investment Securities	10,371	8,690	11,251	11,290	6,532	5,774
Trading Asset Securities	-	17.59	24.52	20.03	23.09	30
Total Investments	10,371	8,708	11,275	11,311	6,555	5,804
Gross Loans	14,377	13,343	13,202	12,237	12,617	12,583
Allowance for Loan Losses	-635.95	-552.44	-556.71	-547.27	-549.22	-631.17
Net Loans	13,741	12,790	12,645	11,690	12,067	11,951
Property, Plant & Equipment	743.99	522.29	478.34	448.68	394.26	342.37
Goodwill	91.15	91.15	91.15	91.15	91.15	91.15
Other Intangible Assets	-	-	-	-	0.02	0.1
Investments in Real Estate	145.75	156.37	146.57	135.9	121.5	122.05
Accrued Interest Receivable	35.32	98.83	90.69	112.52	62.99	65.93
Other Receivables	18.25	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	2,639	2,419	2,159	2,308	4,240	3,381
Total Assets	33,551	32,107	31,700	29,631	28,001	27,266
Accrued Expenses	35.73	35.88	37.16	38.75	40.11	36.08
Interest Bearing Deposits	25,451	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	25,451	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
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	2,519	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	6.61	9.26	3.29	-	-	-
Other Long-Term Liabilities	618.44	486.83	499.24	406.62	272.2	327.54
Total Liabilities	28,631	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	3,763	3,645	3,273	2,882	2,673	2,260
Comprehensive Income & Other	991.77	992.73	981.01	1,073	948.75	948.4
Shareholders' Equity	4,920	4,808	4,428	4,129	3,796	3,382
Total Liabilities & Equity	33,551	32,107	31,700	29,631	28,001	27,266
Total Debt	2,519	2,357	3,228	2,388	1,693	1,404
Net Cash (Debt)	3,247	4,812	1,428	944.56	2,531	3,920
Net Cash Growth	23.79%	236.93%	51.21%	-62.69%	-35.42%	128.39%
Net Cash Per Share	195.21	285.63	83.20	54.74	146.94	226.83
Filing Date Shares Outstanding	16.37	16.64	17.03	17.3	17.21	17.24
Total Common Shares Outstanding	16.37	16.64	17.03	17.3	17.21	17.24
Book Value Per Share	275.43	264.25	235.81	209.27	198.12	173.76
Tangible Book Value	4,829	4,717	4,336	4,037	3,704	3,291
Tangible Book Value Per Share	269.86	258.77	230.46	204.00	192.82	168.47

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