SJF BANK A/S financials

SJF BANK A/S

Country: DK Reporting currency: DKK Latest annual report: 2024-12-31

LEI: 5493002DPKDEC2JN1Y86 ISIN: DK0060670776

Financial statements (DKK, as reported — unscaled; 80 line items across 2 annual periods)

Line item	2024	2023
Income statement
Other income	DKK 20.4M	DKK 18.2M
Profit before tax	DKK 814.8M	DKK 700.6M
Income tax expense	DKK 191.6M	DKK 142.2M
Profit for the year	DKK 623.1M	DKK 558.4M
Total comprehensive income	DKK 654.9M	DKK 597.5M
Per share
Basic EPS	DKK 33.40	DKK 29.40
Diluted EPS	DKK 33.40	DKK 29.40
Free cash flow / share	DKK 151.06	DKK 74.55
Cash flow statement
Cash generated from operations	DKK 773.0M	DKK 616.8M
Net cash from operating activities	DKK 2.95B	DKK 1.52B
Income taxes paid	DKK 72.6M	DKK 53.2M
Net cash from investing activities	-DKK 104.4M	-DKK 121.9M
Purchase of PP&E (capex)	DKK 132.5M	DKK 105.4M
Purchase of intangibles	DKK 4.0M	DKK 4.1M
Net cash from financing activities	-DKK 326.8M	-DKK 79.5M
Dividends paid	DKK 145.6M	DKK 103.6M
Balance sheet
Total assets	DKK 32.11B	DKK 31.70B
Cash & equivalents	DKK 7.15B	DKK 4.63B
Total equity	DKK 4.81B	DKK 4.43B
— attributable to owners	DKK 4.40B	DKK 4.02B
Deferred tax liabilities	DKK 9.3M	DKK 3.3M
Derived metrics
Free cash flow	DKK 2.82B	DKK 1.42B
Return on equity	13.0%	12.6%
Cash conversion ratio	4.74×	2.72×
Capex coverage	22.27×	14.44×
Other reported items
Accruals and Deferred Income Including Contract Liabilities	DKK 35.9M	DKK 37.2M
Adjustments For Decrease Increase In Loans and Advances To Customers	-DKK 190.5M	-DKK 971.6M
Adjustments For Gains Losses On Fair Value Adjustment Investment Property	-DKK 8.5M	-DKK 8.5M
Adjustments For Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss Loans and Advances	DKK 44.6M	DKK 15.6M
Adjustments For Increase Decrease In Deposits From Customers	DKK 650.0M	DKK 726.7M
Adjustments For Provisions	DKK 22.9M	-DKK 15.7M
Cash and Bank Balances At Central Banks	DKK 6.16B	DKK 2.80B
Current Tax Assets	DKK 8.4M	DKK 27.5M
Current Tax Liabilities	DKK 0	DKK 0
Deferred Tax Assets	DKK 0	DKK 0
Deposits From Customers	DKK 22.05B	DKK 21.40B
Equity and Liabilities	DKK 32.11B	DKK 31.70B
Fee and Commission Expense	DKK 18.0M	DKK 16.3M
Fee and Commission Income	DKK 623.3M	DKK 602.2M
Gains Losses On Financial Assets At Fair Value Through Profit Or Loss	DKK 102.7M	DKK 97.9M
Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss Loans and Advances	DKK 44.6M	DKK 15.6M
Income Tax Relating To Changes In Revaluation Surplus of Other Comprehensive Income	-DKK 25.0K	-DKK 3.0K
Income Tax Relating To Components of Other Comprehensive Income	DKK 1.9M	DKK 5.0M
Increase Decrease In Cash and Cash Equivalents	DKK 2.52B	DKK 1.32B
Increase Decrease In Working Capital	-DKK 2.18B	-DKK 904.7M
Intangible Assets Other Than Goodwill	DKK 91.2M	DKK 91.2M
Interest Revenue Calculated Using Effective Interest Method	DKK 1.04B	DKK 849.6M
Interest Revenue Expense	DKK 961.4M	DKK 862.4M
Investment Property	DKK 156.4M	DKK 146.6M
Investments In Associates Accounted For Using Equity Method	DKK 336.6M	DKK 305.4M
Investments In Subsidiaries Joint Ventures and Associates	DKK 0	DKK 0
Issued Capital	DKK 169.8M	DKK 173.8M
Land and Buildings	DKK 653.3M	DKK 598.3M
Loans and Advances To Banks	DKK 995.5M	DKK 1.83B
Other Assets	DKK 351.4M	DKK 334.7M
Other Comprehensive Income	DKK 31.8M	DKK 39.0M
Other Comprehensive Income Before Tax Cash Flow Hedges	-DKK 2.4M	-DKK 2.1M
Other Expense By Nature	DKK 27.9M	DKK 31.6M
Other Income Expense From Subsidiaries Jointly Controlled Entities and Associates	DKK 30.5M	DKK 40.1M
Other Liabilities	DKK 471.9M	DKK 510.7M
Other Property Plant and Equipment	DKK 25.4M	DKK 26.6M
Other Provisions	DKK 20.1M	DKK 14.3M
Payments To Acquire Or Redeem Entitys Shares	DKK 103.4M	DKK 63.6M
Prepayments and Accrued Income Including Contract Assets	DKK 19.4M	DKK 19.4M
Proceeds From Issue of Bonds Notes and Debentures	DKK 300.0M	DKK 235.0M
Proceeds From Issue of Subordinated Liabilities	DKK 150.0M	DKK 155.0M
Proceeds From Sale Or Issue of Treasury Shares	DKK 18.1M	DKK 9.2M
Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities	DKK 36.9M	DKK 13.5M
Provisions	DKK 99.0M	DKK 76.1M
Purchase of Interests In Associates	DKK 4.8M	DKK 26.0M
Purchase of Treasury Shares	DKK 103.4M	DKK 63.6M
Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax	DKK 2.7M	DKK 1.3M
Repayments of Bonds Notes and Debentures	DKK 200.0M	DKK 0
Repayments of Subordinated Liabilities	DKK 302.0M	DKK 171.0M
Retained Earnings	DKK 3.64B	DKK 3.27B
Revaluation Surplus	DKK 1.4M	DKK 1.4M
Revenue From Dividends	DKK 62.8M	DKK 19.7M
Sale Or Issue of Treasury Shares	DKK 18.1M	DKK 9.2M
Subordinated Liabilities	DKK 403.7M	DKK 555.4M
Warranty Provision	DKK 69.7M	DKK 58.5M

Methodology

Every line item above is a fact tagged in SJF BANK A/S's annual report filed in the European Single Electronic Format (ESEF) under the IFRS taxonomy (ifrs-full) — the income statement, balance sheet and cash-flow statement as the filer reported them. Values are shown as-is, in the reporting currency (DKK), without rescaling; the row labels map to the underlying concept name (e.g. Revenue → ifrs-full:Revenue, Operating profit → ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS → ifrs-full:DilutedEarningsLossPerShare), and any concept without a curated label is shown under “Other reported items” with its de-camel-cased tag name. Only consolidated, default-member facts are shown (segment / dimensional breakdowns are excluded).

“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.

Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.