PrivatErhvervInvestor
REports

Net Profit for the year


 2020 2019  2018 2017 2016

Net profit for the year
(DKK millions)

     
Administration margin
Net interest income
Net fee income
Income from investment portfolios
Other income		 5.923
     97
  -611
   656
   114
 6.082
   203
  -528
   839
   117
 6.222
   142
  -617
   577
   125		6.186
      59
   -601
    662
    180		 5.890
    123
   -611
    786
    141
Total income
Expenses		 6.179
   864
 6.713
   812
  6.449
    703		 6.486
    736		 6.329
    790
Profit before loan impairment charges
Loan impairment charges
5.315
   335 		 
5.901
   265		 
5.746
  -204		 
5.750
   147		 
5.539
   182
Profit before tax
Tax		4.980
1.097		5.636
1.240		5.950
1.301		5.603
1.235		5.357
1.176
 Net profit for the year3.8834.3964.6494.3684.181
Balance sheet (At 31 December)
(DKK millions)
     
Due from credit institutions ect.
Mortgage loans
Bonds and shared
Other assets

  25.045
816.577
  47.187
    2.459

53.826
802.579
52.363
3.780		  21.446
796.045
  51.158
    2.568		  30.072
788.765
  54.851
    3.202		31.491
767.695
59.582
3.909
Total assets 891.268921.548  871.217 876.890 862.677
Due to credit institutions etc.
Issued mortgage bonds
Issued senior debt
Other liabilities
Shareholders' equity		    2.000
835.217
           -
    4.461
  49.590		    4.003
853.479
           -
    5.073
  49.993		       778
809.091
    5.952
    5.481
  49.915		    4.294
810.050
    6.616
    6.039
  49.891		    6.355
782.526
  17.318
    7.131
  49.347
Total liabilities and equity 891.268 912.548 871.217 876.890 862.677
 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

 
    7,8
  14,0
  27,4
  26,9

234

     
    8,8
  12,1
  31,1
  30,7

237


    9,3
  10,9
  30,6
  30,3

229


   8,8
  11,3
  28,3
  28,1

232 


    8,5
  12,5
  30,1
  29,6

235