Jyske Bank's Annual Report 2010

• Preliminary announcement of financial statements 2010 [PDF]
• Annual report 2010 [PDF]
• Risk and Capital Management [PDF]

Summary:

PRE-TAX PROFIT: DKK 1,003M (2009: DKK 597M).

Interview with Anders Dam

Jyske Bank's financial statements - in detail

• Profit before contribution to the Danish Private Contingency Association, etc. (DPCA, etc.): DKK 1,509m (2009: DKK 1,208m).
• Profit before contribution to the DPCA, etc. corresponded to a return of 12.0% (2009: 11.3%).
• Total contribution to the DPCA, etc.: DKK 1,348m, of which DKK 506m was paid in 2010 (2009: DKK 611m).
• Net interest and fee income under core earnings: DKK 5,657m (2009: DKK 5,457m).
• Core earnings before loan impairment charges and provisions for guarantees: DKK 2,644m (2009: DKK 3,131m).
• Loan impairment charges and provisions for guarantees under core earnings: DKK 1,581m (2009: DKK 2,420m).
• Loss on loans, advances and guarantees, etc: DKK 955m (2009: DKK 933m).
• Balance of loan impairment charges and provisions: DKK 4,408m (2009: DKK 3,412m).
• Core earnings: DKK 1,063m (2009: DKK 711m).
• Earnings from investment portfolios net of funding costs: DKK 446m (2009: DKK 497m).
• Fair value of the ‚held-to-maturity portfolio‛ exceeded the carrying amount by DKK 96m (2009: DKK 17m).
• Liquidity buffer: DKK 59bn (2009: DKK 54bn).
• Solvency ratio: 15.8% (Tier 1: 14.1%) (2009: 15.3% and 13.5%).
• Individual solvency requirement: 9.4% (2009: 9.7%).