Financial Summary - 5 years
With the adoption of the new Act on KommuneKredit and the subsequent dialogue with the Danish Financial Supervisory Authority, additional key figures and financial ratios have been added. Comparative figures have been restated. Key figures and financial ratios have been calculated in accordance with the accounting provisions applicable to KommuneKredit. Exchange rate at 31 December 2025: EUR 100 = DKK 746.8488.
På denne side:
keyfigures
Key figures
| Million | 2025 | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| EUR | DKK | DKK | DKK | DKK | DKK | |
| Net interest and fee income | 96 | 713 | 717 | 457 | 353 | 378 |
| Value adjustment of finansial instruments | -74 | -552 | -510 | 276 | 1,144 | 249 |
| Staff costs and administrative expences | -28 | -206 | -194 | -193 | -224 | -140 |
| Impairment of loans and receivables, etc. | 0 | 0 | 0 | 0 | 0 | 0 |
| Profit for the year | -6 | -44 | 8 | 414 | 991 | 378 |
| Loans and leases | 26,729 | 199,627 | 194,110 | 187,139 | 174,974 | 194,948 |
| Equity | 1,352 | 10,099 | 10,188 | 10,180 | 9,766 | 8,775 |
| Assets | 33,671 | 251,468 | 252,498 | 242,612 | 237,052 | 249,077 |
| Debt securities issued | 30,533 | 228,032 | 231,169 | 218,173 | 207,899 | 233,892 |
| Portfolio of securities | 5,471 | 40,860 | 43,618 | 43,639 | 46,591 | 48,387 |
| Investment in property, plant and equipment | 0 | 0 | 2 | 3 | 0 | 0 |
yearsactivities
Activities during the year
| Million | 2025 | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| EUR | DKK | DKK | DKK | DKK | DKK | |
| Loans and leases, net additions in nominal value (net lending) | 560 | 4,186 | 6,219 | 5,874 | 4,766 | 8,675 |
| Loans and leases, gross additions in nominal value | 5,899 | 44,054 | 34,413 | 29,027 | 28,057 | 36,958 |
| Debt securities issued, gross additions in nominal value | 4,870 | 36,368 | 43,407 | 41,543 | 52,692 | 65,112 |
financialratios
Financial ratios
| Million | 2025 | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| EUR | DKK | DKK | DKK | DKK | DKK | |
| Capital base relative to minimum capital requirement | 7.8 | 7.8 | 7.2 | 8.1 | 7.7 | 7.8 |
| Solvency ratio | 63 | 63 | 58 | 65 | 62 | 62 |
| Equity Tier 1 ratio | 63 | 63 | 59 | 65 | 62 | 63 |
| Return on equity before tax, % | -0.4 | -0.4 | 0.1 | 5.4 | 13.7 | 5.7 |
| Return on equity after tax, % | -0.4 | -0.4 | 0.1 | 4.2 | 10.7 | 4.4 |
| Income/cost ratio | 0.8 | 0.8 | 1.1 | 3.8 | 6.7 | 4.5 |
| Total risk exposure amount (REA)* | 2,144 | 16,012 | 17,391 | 15,637 | 15,653 | 13,859 |
| Common Equity Tier 1 (CET1) capital | 1,352 | 10.099 | 10,188 | 10,180 | 9,766 | 8,775 |
| Capital base | 1,343 | 10,033 | 10,066 | 10,107 | 9,684 | 8,660 |
| Interest rate risk | 34 | 254 | 55 | 104 | 197 | 268 |
| Currency position | 32 | 241 | 556 | 1,013 | 2,413 | 932 |
| Loans to deposits, % | 87.5 | 87.5 | 84.0 | 85.8 | 84.2 | 83.3 |
| Loans to equity, % | 19.8 | 19.8 | 19.1 | 18.4 | 17.9 | 22.2 |
| Impairment rate for the year | 0 | 0 | 0 | 0 | 0 | 0 |
| Return on assets (profit for the year/total assets), % | 0.0 | 0.0 | 0.0 | 0.2 | 0.4 | 0.2 |
| Equity ratio after tax, % | 4.0 | 4.0 | 4.0 | 4.2 | 4.1 | 3.5 |
| Expenses/assets, % | 0.08 | 0.08 | 0.08 | 0.08 | 0.09 | 0.06 |
| Net interest income/assets, % | 0.25 | 0.25 | 0.29 | 0.19 | 0.14 | 0.15 |
| Number of full-time employees | 100 | 100 | 106 | 101 | 97 | 88 |
ESGfigures
Selected ESG figures
| 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|
| CO2e total (scope 1, 2, 3) (t) | 62 | 73 | 64 | 56 | 36 |
| Share of renewable energy, % | 92 | 92 | 93 | 93 | 89 |
| Gender composition, management level (women), % * | 26.7 | 31.3 | 26.7 | 26.7 | 33.3 |
| Employee turnover, pct. | 9.0 | 6.1 | 10.0 | 9.8 | 10.4 |
| CEO pay ratio/ median employee remuneration | 3.4 | 3.7 | 3.6 | 3.7 | 3.7 |
* The method used to determine gender composition, management level (women), %, has been changed from comprising only management levels 1 and 2 to also comprising management level 3.