PrivatErhvervInvestor
REports

Net Profit for the year


 2025 2024 20232022 2021 

Net profit for the year
(DKK millions)

     

Administration margin
Net interest income
Net fee income*
Income from investment portfolios*
Other income

 5,588
1,281
-9
217
108		 5,543
1,545
21
96
95		       5,593
       1,114
           -70
          183
             84

5,733
      93
      18
      48
      84

 5,857
46
-127
55
136
Total income
Expenses		 7,185
898		7,300
1,010		6,904
 1,055		 5,976
 1,105		5,967
995 
Profit before loan impairment charges
Loan impairment charges		6,287
-258		6,290
333		5,849
-114		 4,871
       212		4,972
269
Profit before tax
Tax		6,545
1,697		5,957
1,533		5,963
 1,569		 4,659
 1,033		4,703
    1,034
 Net profit for the year4,8484,424 4,394 3,6263,669 
Balance sheet (At 31 December)
(DKK millions)
     
Due from credit institutions ect.
Mortgage loans
Bonds and shares
Other assets		22,978
740,491
51,181
1,914		17,628
755,539
52,291
1,565		  11,618
753,624
  49,580
     1,441		    8,761
724,438
  46,722
    2,307		  18,643
810,139
  46,435
    1,782
Total assets816,564827,023 816,263 782,228876,999 
Due to credit institutions etc.
Issued mortgage bonds
Other liabilities
Shareholders' equity		3,500
751,752
6,216
55,096		 3,500
762,125
6,756
54,642		      2,000
 756,509 
      7,531
   50,223		    2,000
724,105
    6,646
  49,477		2,000
820,950
4,577
  49,472
Total liabilities and equity816,564 827,023 816,263 782,228876,999 
 Ratio and Key Figures      

Net profit for the year as % of avg. shareholders' equity
Cost/income ratio (%)
Total capital ratio (%)
Tier 1 capital ratio (%)
Full-time-equivalent staff, end of year


9.1
12.5
29.7
29.7
240		 
8.4
13.8
31.9
31.9
233
           8.8
        15.3
        31.5
        31.1
         229

 
        7.3
      18.5
      29.1
      28.6
       227


 7.4
16.7
25.3
24.9
217

 *Comparative information for 2020 has been restated as described in note 1 for 2021.