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Vestjysk Bank

Vestjysk Bank

DKKm 2021 2022e 2023e
Total Income 2015 1537 1643
Total operating costs -1100 -916 -924
Operating profit 955 628 679
EPS Adj 1,01 0,51 0,4
EPS adj growth (%) 195,4 -49,3 -21,8
BVPS 4,12 4,64 4,78
NAVPS 4,04 4,56 4,7
DPS 0 0,26 0,2
ROE (%) 28,9 12 8,7
RONAV (%) 26,5 11,9 8,6
C/I (%) 60,2 60,4 56,8
Loan losses (%) -0,12 -0,06 0,23
CET1 ratio (%) 18,4 17,4 17,7
P/E Adj (x) 3,4 6,6 8,4
P/BV (x) 0,83 0,72 0,7
P/NAV (x) 0,85 0,74 0,72
Dividend yield (%) 0 7,7 6
DKKm 2021 2022e 2023e
Net interest income 807 869 908
Net commission income 601 639 659
Trading income 121 13 61
Insurance income 0 0 0
Other operating income 486 15 15
Total income 2015 1537 1643
Personnel costs -553 -519 -523
Other operating costs -547 -397 -401
Total operating costs -1100 -916 -924
Profit before loan losses 915 620 719
Loan losses 20 9,6 -40
Investment portfolio 0 0 0
Other items 20 -2 0
Operating profit 955 628 679
Tax 126 18 -171
Other items after tax 0 0 0
Net profit 1081 646 508
Tax rate (%) 13,2 2,8 -25,2
EPS 1,11 0,52 0,41
Net Profit Adj 764 629 492
EPS Adj 1,01 0,51 0,4
Key balance sheet data 2021 0 0
Net lending 16778 17379 18039
Goodwill and intangibles 104 101 101
Total assets 43310 41489 42149
Shareholders equity 5084 5723 5894
Net asset value 4980 5622 5793
Capital adequacy 2021 0 0
Tier 1 Capital, excl.hybrids 4313 4272 4517
Tier 1 Capital, reported 4613 4573 4818
Capital base 5211 5171 5416
Risk exposure amount (BIS II) 23450 24544 25476
Asset quality 2021 0 0
Problem loans, gross 5583 5750 5865
Provisions for problem loans -2383 -2372 -2522
Problem loans, net 3200 3379 3344
Key figures N/A N/A N/A
Profitability 2021 2022 2023
Net interest margin (%) 2,4 2 2,2
ROE (%) 28,9 12 8,7
RONAV (%) 26,5 11,9 8,6
ROREA (%) 5,9 2,7 2
Cost efficiency 2021 0 0
Cost / income Core (%) 60,2 60,4 56,8
Costs / assets Core (%) 2,76 2,16 2,21
Financial position 2021 0 0
Net lending / deposits (%) 64,5 71,2 73,2
REA / assets (%) 54,1 59,2 60,4
Common equity tier 1 ratio (%) 18,4 17,4 17,7
Tier 1 ratio, reported (%) 19,7 18,6 18,9
Capital adequacy (%) 22,2 21,1 21,3
Equity ratio Core (%) 10 10,3 10,7
Asset quality 2019 0 0
Problem loans, gross / lending (%) 21,8 21,7 21,5
Problem loans, net / lending (%) 19,1 19,4 18,5
Provision ratio (%) 42,7 41,2 43
Loan losses, net / lending (%) -0,1 -0,1 0,2