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 1979 1519
Total operating costs -530 -1086 -875
Operating profit 328 911 624
EPS Adj 0,34 0,53 0,44
EPS adj growth (%) -6,5 57,2 -17,8
BVPS 3,45 4,01 4,45
NAVPS 3,45 3,92 4,36
DPS 0 0 0,23
ROE (%) 10,3 20,1 10,8
RONAV (%) 10,3 14,3 10,6
C/I (%) 58,9 60,8 58,3
Loan losses (%) 0,28 -0,02 0,12
CET1 ratio (%) 20,9 18,7 19,4
P/E Adj (x) 8,1 6,4 7,8
P/BV (x) 0,8 0,86 0,77
P/NAV (x) 0,8 0,88 0,79
Dividend yield (%) 0 0 6,6
DKKm 2020 2021e 2022e
Net interest income 486 821 854
Net commission income 326 581 589
Trading income 74 87 61
Insurance income 0 0 0
Other operating income 1 490 15
Total income 887 1979 1519
Personnel costs -307 -556 -541
Other operating costs -223 -530 -334
Total operating costs -530 -1086 -875
Profit before loan losses 357 893 644
Loan losses -29 4 -20
Investment portfolio 0 0 0
Other items 0 14 0
Operating profit 328 911 624
Tax -25 29 -62
Other items after tax 0 0 0
Net profit 303 940 562
Tax rate (%) -7,6 3,2 -10
EPS 0,34 0,76 0,46
Net Profit Adj 305 660 543
EPS Adj 0,34 0,53 0,44
Key balance sheet data 2020 0 0
Net lending 9332 16593 16925
Goodwill and intangibles 0 110 110
Total assets 23105 41226 41558
Shareholders equity 3090 4948 5491
Net asset value 3090 4839 5381
Capital adequacy 2020 0 0
Tier 1 Capital, excl.hybrids 2782 4299 4561
Tier 1 Capital, reported 2937 4600 4862
Capital base 3281 5197 5459
Risk exposure amount (BIS II) 13303 23045 23506
Asset quality 2020 0 0
Problem loans, gross 4229 5867 6043
Provisions for problem loans -2149 -2959 -2974
Problem loans, net 2080 2908 3070
Key figures N/A N/A N/A
Profitability 2020 2021 2022
Net interest margin (%) 2,1 2,6 2,1
ROE (%) 10,3 20,1 10,8
RONAV (%) 10,3 14,3 10,6
ROREA (%) 2,2 5,2 2,4
Cost efficiency 2020 0 0
Cost / income Core (%) 58,9 60,8 58,3
Costs / assets Core (%) 2,28 2,8 2,12
Financial position 2020 0 0
Net lending / deposits (%) 69,6 67,7 69
REA / assets (%) 57,6 55,9 56,6
Common equity tier 1 ratio (%) 20,9 18,7 19,4
Tier 1 ratio, reported (%) 22,1 20 20,7
Capital adequacy (%) 24,7 22,6 23,2
Equity ratio Core (%) 12 10,4 11
Asset quality 2019 0 0
Problem loans, gross / lending (%) 27 23,1 23,2
Problem loans, net / lending (%) 22,3 17,5 18,1
Provision ratio (%) 50,8 50,4 49,2
Loan losses, net / lending (%) 0,3 0 0,1