AL Sydbank 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	4,286	5,228	4,921	2,646	2,081	1,824
Interest Income on Investments	1,340	1,768	1,260	416	308	294
Total Interest Income	5,626	6,996	6,181	3,062	2,389	2,118
Interest Paid on Deposits	1,795	2,583	1,694	433	437	462
Net Interest Income	3,831	4,413	4,487	2,629	1,952	1,656
Net Interest Income Growth (YoY)	-15.65%	-1.65%	70.67%	34.68%	17.87%	-4.66%
Gain (Loss) on Sale of Investments	67	154	209	114	145	116
Other Non-Interest Income	3,194	2,997	2,781	2,639	2,698	2,145
Total Non-Interest Income	3,261	3,151	2,990	2,753	2,843	2,261
Non-Interest Income Growth (YoY)	3.95%	5.38%	8.61%	-3.17%	25.74%	6.70%
Revenues Before Loan Losses	7,092	7,564	7,477	5,382	4,795	3,917
Provision for Loan Losses	314	332	-62	-133	-597	-392
Revenue	6,778	7,232	7,539	5,515	5,392	4,309
Revenue Growth (YoY)	-11.20%	-4.07%	36.70%	2.28%	25.13%	9.20%
Occupancy Expenses	142	133	126	111	131	109
Selling, General & Administrative	3,061	2,933	2,779	2,701	2,819	2,480
Other Non-Interest Expense	229	241	224	231	226	192
Total Non-Interest Expense	3,406	3,255	3,122	3,035	3,169	2,773
EBT Excluding Unusual Items	3,372	3,977	4,417	2,480	2,223	1,536
Asset Writedown	-12	-12	-13	-4	-7	-
Legal Settlements	-309	-263	-35	-37	-182	-440
Other Unusual Items	-57	-57	-88	-34	-270	-75
Pretax Income	2,994	3,645	4,281	2,405	1,764	1,021
Income Tax Expense	706	883	939	504	353	222
Net Income	2,288	2,762	3,342	1,901	1,411	799
Preferred Dividends & Other Adjustments	54	39	39	39	39	39
Net Income to Common	2,234	2,723	3,303	1,862	1,372	760
Net Income Growth	-31.21%	-17.36%	75.80%	34.73%	76.60%	-6.33%
Basic Shares Outstanding	51	53	56	58	59	59
Diluted Shares Outstanding	51	53	56	58	59	59
Shares Change (YoY)	-6.11%	-4.90%	-2.64%	-2.77%	0.26%	-2.30%
EPS (Basic)	43.98	51.10	58.95	32.35	23.18	12.87
EPS (Diluted)	43.78	50.90	58.80	32.20	23.00	12.80
EPS Growth	-27.74%	-13.44%	82.61%	40.00%	79.69%	-4.62%
Dividend Per Share	26.880	26.880	30.560	16.770	12.000	4.000
Dividend Growth	-12.04%	-12.04%	82.23%	39.75%	200.00%	-
Effective Tax Rate	23.58%	24.22%	21.93%	20.96%	20.01%	21.74%

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