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Kreditbanken A/S: Årsrapport 2024

17.2.2025 14:36:22 CET | GlobeNewswire by notified | pressemeddelelse

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Regnskabsmeddelelse for 2024

Overskud på 184,5 mio. kr. før skat
Kreditbanken har i 2024 realiseret et resultat før skat på 184,5 mio. kr. Resultatet svarer til den præcisering af forventningen til resultatet, som banken meddelte Nasdaq Copenhagen A/S den 6. januar 2025. Resultatet før skat i 2023 var på 191,0 mio. kr.

Bestyrelsen indstiller til generalforsamlingen, at der udbetales 150 kr. pr. aktie. i udbytte.

2024 i overskrifter

  • Resultat før skat på 184,5 mio. kr.
  • Netto rente- og gebyrindtægter på 319,5 mio. kr. mod 302,6 mio. kr. i 2023
  • Positive kursreguleringer på 43,9 mio. kr. mod 47,8 mio. kr. i 2023
  • Udgifter til personale og administration på 153,4 mio. kr. mod 141,7 mio. kr. i 2023
  • Af- og nedskrivninger på materielle aktiver på 1,6 mio. kr. mod 1,7 mio. kr. i 2023
  • Nedskrivninger på udlån og hensættelser på garantier og kredittilsagn på 24,5 mio. kr. mod 17,3 mio. kr. i 2023
  • Forslag om udbytte på 150 kr. pr. aktie
  • Indtjening pr. omkostningskrone på 2,03
  • Indlånsoverskud på 2.078 mio. kr. mod 1.836 mio. kr. i 2023. Indlånene (ekskl. puljeindlån) stiger med 13,0 % til 4.723 mio. kr., og udlånene stiger med 12,9 % til 2.646 mio. kr. Bankens samlede forretningsomfang er på 8.014 mio. kr.
  • LCR-brøk på 791 %
  • Kernekapitalprocent og kapitalprocent på 30,4 % og kapitalkrav på 21,8 %. Solvensoverdækning på 8,6 %-point – svarende til en kapitalmæssig overdækning på 268 mio. kr.
  • Fortsat markant tilgang af kunder

125-150 mio. kr. før skat i 2025
Banken forventer i 2025 at kunne realisere et resultat før skat på 125 til 150 mio. kr. I forventningen til 2025 er indarbejdet, at banken i forhold til 2024 forudser en vigende renteindtjening og vigende, positive kursreguleringer på egenbeholdningen af obligationer.

Spændet i forventningen til 2025 afspejler, at banken som følge af uforudsigelige økonomiske rammebetingelser i sit forecast for 2025 har valgt at operere med 2 scenarier for henholdsvis netto renteindtægter og nedskrivninger på udlån.

Kreditbanken

Banken

  • har en robust egenkapital, der udelukkende består af aktiekapital og opsparet overskud
  • ligger på den pæne side af de 4 grænseværdier i Finanstilsynets tilsynsdiamant
  • koncentrerer sig om at drive bank i den landsdel, banken kender så godt, nemlig Sønderjylland.

5 års resultatopgørelse og balance

 (1.000 kr.)20242023202220212020
Netto rente- og gebyrindtægter319.460302.618229.602199.326176.539
Kursreguleringer43.90247.784-33.4589.75011.208
Udgifter til personale og administration153.441141.712122.276108.834100.698
Af- og nedskrivninger på materielle aktiver1.6241.7239.8842.0696.097
Nedskrivninger på udlån og tilgodeh. mv.24.45917.3399.046-17.4346.142
Resultat før skat184.549190.98855.219116.65275.506
Årets resultat139.247146.88043.47592.49559.650
Egenkapital1.080.093958.209819.739785.315701.230
Udlån2.645.7492.343.7622.148.6631.915.6191.699.448
Indlån (ekskl. puljeindlån)4.723.4954.179.4363.918.0793.681.6523.492.588
Aktiver i alt6.782.7885.938.4245.399.9645.101.4094.643.216

Årsrapport 2024
Bankens årsrapport for 2024 er offentliggjort samtidig med denne regnskabsmeddelelse. Der henvises således til årsrapporten for yderligere information.

Spørgsmål
Eventuelle spørgsmål til denne meddelelse eller til årsrapporten for 2024, der også kan findes på www.kreditbanken.dk, kan rettes til bankdirektør Lars Frank Jensen på telefon 7333 1721.

Henrik Meldgaard                                                                Lars Frank Jensen
bestyrelsesformand                                                             bankdirektør

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