Spar Nord Bank A/S (CPH: SPNO)

Spar Nord Bank Balance Sheet

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

Fiscal Year	TTM	2023	2022	2021	2020	2019
Period Ending	Mar 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Cash & Equivalents	2,292	604	2,370	2,325	1,981	1,816
Investment Securities	46,030	16,303	15,162	17,321	12,336	11,157
Trading Asset Securities	342	33,091	25,953	19,711	22,568	17,458
Total Investments	46,372	49,394	41,115	37,032	34,904	28,615
Gross Loans	58,926	60,211	57,526	50,890	44,391	44,835
Allowance for Loan Losses	-1,607	-1,643	-1,602	-1,520	-1,643	-1,453
Other Adjustments to Gross Loans	-	-1,072	-628	-284	-255	-225
Net Loans	57,319	57,496	55,296	49,086	42,493	43,157
Property, Plant & Equipment	819	798	807	820	760	765
Goodwill	-	378	378	379	159	159
Other Intangible Assets	421	41	41	50	12	15
Investments in Real Estate	-	33	98	99	134	136
Accrued Interest Receivable	348	370	132	81	62	52
Other Receivables	733	550	540	589	595	430
Restricted Cash	-	-	-	-	61	-
Other Current Assets	150	128	122	116	108	111
Long-Term Deferred Tax Assets	-	-	201	-	-	-
Other Real Estate Owned & Foreclosed	3	2	6	6	5	11
Other Long-Term Assets	26,565	25,102	22,830	25,952	20,803	17,846
Total Assets	135,022	134,896	123,936	116,535	102,077	93,113
Interest Bearing Deposits	42,048	41,630	30,658	30,750	24,916	22,093
Non-Interest Bearing Deposits	57,283	57,637	64,140	58,789	53,914	48,792
Total Deposits	99,331	99,267	94,798	89,539	78,830	70,885
Short-Term Borrowings	585	4,779	2,397	2,659	2,061	3,319
Current Portion of Long-Term Debt	2,486	1,882	531	1,380	2,900	1,016
Current Portion of Leases	-	33	29	27	25	-
Accrued Interest Payable	361	158	79	36	22	24
Other Current Liabilities	1,701	2,063	2,990	2,918	912	1,006
Long-Term Debt	13,906	9,644	7,409	5,024	4,002	3,958
Long-Term Leases	165	136	129	124	112	132
Long-Term Deferred Tax Liabilities	-	103	-	3	12	16
Other Long-Term Liabilities	3,038	2,879	3,105	2,900	2,804	2,992
Total Liabilities	121,639	120,917	111,467	104,611	91,687	83,352
Common Stock	1,205	1,205	1,230	1,230	1,230	1,230
Retained Earnings	10,855	11,453	9,927	9,384	8,267	7,579
Comprehensive Income & Other	1,323	1,321	1,312	1,310	893	952
Shareholders' Equity	13,383	13,979	12,469	11,924	10,390	9,761
Total Liabilities & Equity	135,022	134,896	123,936	116,535	102,077	93,113
Total Debt	17,142	16,474	10,495	9,214	9,100	8,425
Net Cash (Debt)	-2,434	30,531	29,958	27,187	25,611	19,928
Net Cash Growth	-	1.91%	10.19%	6.15%	28.52%	-1.85%
Net Cash Per Share	-20.60	256.16	245.91	221.14	208.33	162.09
Filing Date Shares Outstanding	116.94	117.67	120.71	122.93	122.94	122.92
Total Common Shares Outstanding	116.94	117.67	120.71	122.93	122.94	122.92
Book Value Per Share	114.44	118.80	103.30	96.99	84.51	79.41
Tangible Book Value	12,962	13,560	12,050	11,495	10,219	9,587
Tangible Book Value Per Share	110.84	115.24	99.83	93.51	83.12	77.99

Source: S&P Capital IQ. Banks template. Financial Sources.