Press the button and be introduced to a new random company!

Introduce me >

Social media

facebook   Follow us on Twitter

Coverage

Vestjysk Bank

Vestjysk Bank

DKKm 2020 2021e 2022e
Total Income 887 1986 1511
Total operating costs -530 -1059 -873
Operating profit 328 997 617
EPS Adj 0,34 0,6 0,44
EPS adj growth (%) -6,5 75,4 -27,1
BVPS 3,45 4,07 4,51
NAVPS 3,45 3,99 4,42
DPS 0 0 0,23
ROE (%) 10,3 21,6 10,5
RONAV (%) 10,3 15,8 10,3
C/I (%) 58,9 58,7 58,5
Loan losses (%) 0,28 -0,31 0,12
CET1 ratio (%) 20,9 18,8 19,2
P/E Adj (x) 8,1 5,7 7,8
P/BV (x) 0,8 0,83 0,75
P/NAV (x) 0,8 0,85 0,77
Dividend yield (%) 0 0 6,6
DKKm 2020 2021e 2022e
Net interest income 486 800 844
Net commission income 326 588 590
Trading income 74 109 61
Insurance income 0 0 0
Other operating income 1 489 15
Total income 887 1986 1511
Personnel costs -307 -547 -522
Other operating costs -223 -512 -351
Total operating costs -530 -1059 -873
Profit before loan losses 357 927 637
Loan losses -29 52 -20
Investment portfolio 0 0 0
Other items 0 18 0
Operating profit 328 997 617
Tax -25 20 -62
Other items after tax 0 0 0
Net profit 303 1016 556
Tax rate (%) -7,6 2 -10
EPS 0,34 0,82 0,45
Net Profit Adj 305 736 537
EPS Adj 0,34 0,6 0,44
Key balance sheet data 2020 0 0
Net lending 9332 16822 17495
Goodwill and intangibles 0 107 107
Total assets 23105 40962 41635
Shareholders equity 3090 5026 5562
Net asset value 3090 4919 5456
Capital adequacy 2020 0 0
Tier 1 Capital, excl.hybrids 2782 4367 4626
Tier 1 Capital, reported 2937 4668 4926
Capital base 3281 5265 5524
Risk exposure amount (BIS II) 13303 23187 24115
Asset quality 2020 0 0
Problem loans, gross 4229 5845 6021
Provisions for problem loans -2149 -2832 -2846
Problem loans, net 2080 3013 3174
Key figures N/A N/A N/A
Profitability 2020 2021 2022
Net interest margin (%) 2,1 2,5 2
ROE (%) 10,3 21,6 10,5
RONAV (%) 10,3 15,8 10,3
ROREA (%) 2,2 5,6 2,3
Cost efficiency 2020 0 0
Cost / income Core (%) 58,9 58,7 58,5
Costs / assets Core (%) 2,28 2,73 2,11
Financial position 2020 0 0
Net lending / deposits (%) 69,6 70,1 72,9
REA / assets (%) 57,6 56,6 57,9
Common equity tier 1 ratio (%) 20,9 18,8 19,2
Tier 1 ratio, reported (%) 22,1 20,1 20,4
Capital adequacy (%) 24,7 22,7 22,9
Equity ratio Core (%) 12 10,7 11,1
Asset quality 2019 0 0
Problem loans, gross / lending (%) 27 22,8 22,6
Problem loans, net / lending (%) 22,3 17,9 18,1
Provision ratio (%) 50,8 48,4 47,3
Loan losses, net / lending (%) 0,3 -0,3 0,1