SJF Bank Income Statement

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
Interest Income on Loans	869.89	1,036	849.63	515.66	482.76
Interest Income on Investments	296.3	267.65	230.83	159.58	76.33
Total Interest Income	1,166	1,304	1,080	675.24	559.08
Interest Paid on Deposits	153.27	279.52	198.32	-10.75	-40.99
Net Interest Income	1,013	1,024	882.14	685.99	600.08
Net Interest Income Growth (YoY)	-1.11%	16.11%	28.59%	14.32%	2.42%
Gain (Loss) on Sale of Investments	-	82.98	87.38	-75.13	22.08
Other Non-Interest Income	775.86	653.43	623.24	685.35	646.57
Total Non-Interest Income	775.86	736.42	710.61	610.22	668.65
Non-Interest Income Growth (YoY)	5.36%	3.63%	16.45%	-8.74%	9.51%
Revenues Before Loan Losses	1,789	1,761	1,593	1,296	1,269
Provision for Loan Losses	20.21	44.59	15.64	-15.95	-24.77
Revenue	1,769	1,716	1,577	1,312	1,293
Revenue Growth (YoY)	3.06%	8.81%	20.19%	1.44%	24.91%
Occupancy Expenses	33.98	28.94	30.01	29.03	29.91
Selling, General & Administrative	950.31	858.36	829.06	770.64	723.03
Other Non-Interest Expense	26.79	27.88	31.61	18.87	19.69
Total Non-Interest Expense	997.29	884.65	850.58	807.06	750.62
EBT Excluding Unusual Items	771.28	831.43	726.53	505.1	542.87
Asset Writedown	-	-16.66	-25.9	-22.47	-11.83
Other Unusual Items	-	-	-	-0.59	-0.03
Pretax Income	771.28	814.77	700.63	482.05	531.02
Income Tax Expense	159.69	191.65	142.21	110.28	87.49
Net Income	611.59	623.12	558.42	371.77	443.53
Preferred Dividends & Other Adjustments	-	60.57	53.43	26.11	24.5
Net Income to Common	611.59	562.56	504.99	345.65	419.03
Net Income Growth	-1.85%	11.59%	50.21%	-16.18%	93.97%
Basic Shares Outstanding	18	17	17	17	17
Diluted Shares Outstanding	18	17	17	17	17
Shares Change (YoY)	6.77%	-1.85%	-0.52%	0.17%	-0.31%
EPS (Basic)	34.00	33.39	29.42	20.03	24.32
EPS (Diluted)	34.00	33.39	29.40	20.00	24.30
EPS Growth	1.83%	13.57%	47.00%	-17.70%	105.93%
Dividend Per Share	-	10.000	8.000	6.000	6.000
Dividend Growth	-	25.00%	33.33%	-	-
Effective Tax Rate	20.70%	23.52%	20.30%	22.88%	16.48%

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