Laan & Spar Bank A/S
CSE:LASP
Income Statement
Income Statement
Laan & Spar Bank A/S
| Dec-2005 | Mar-2006 | Jun-2006 | Sep-2006 | Dec-2006 | Mar-2007 | Jun-2007 | Sep-2007 | Dec-2007 | Mar-2008 | Jun-2008 | Sep-2008 | Dec-2008 | Mar-2009 | Jun-2009 | Sep-2009 | Dec-2009 | Mar-2010 | Jun-2010 | Sep-2010 | Dec-2010 | Mar-2011 | Jun-2011 | Sep-2011 | Dec-2011 | Mar-2012 | Jun-2012 | Sep-2012 | Dec-2012 | Mar-2013 | Jun-2013 | Sep-2013 | Dec-2013 | Mar-2014 | Jun-2014 | Sep-2014 | Dec-2014 | Mar-2015 | Jun-2015 | Sep-2015 | Dec-2015 | Mar-2016 | Jun-2016 | Sep-2016 | Dec-2016 | Mar-2017 | Jun-2017 | Sep-2017 | Dec-2017 | Mar-2018 | Jun-2018 | Sep-2018 | Dec-2018 | Mar-2019 | Jun-2019 | Sep-2019 | Dec-2019 | Mar-2020 | Jun-2020 | Sep-2020 | Dec-2020 | Mar-2021 | Jun-2021 | Sep-2021 | Dec-2021 | Mar-2022 | Jun-2022 | Sep-2022 | Dec-2022 | Mar-2023 | Jun-2023 | Sep-2023 | Dec-2023 | Mar-2024 | Jun-2024 | Sep-2024 | Dec-2024 | Mar-2025 | Jun-2025 | Sep-2025 | Dec-2025 | ||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Net Interest Income |
234
|
234
|
232
|
228
|
229
|
230
|
234
|
242
|
249
|
259
|
267
|
276
|
292
|
310
|
325
|
339
|
344
|
339
|
339
|
342
|
344
|
349
|
352
|
358
|
368
|
386
|
398
|
406
|
411
|
404
|
401
|
407
|
410
|
419
|
429
|
429
|
429
|
425
|
419
|
412
|
417
|
423
|
428
|
441
|
440
|
433
|
428
|
416
|
409
|
410
|
409
|
404
|
400
|
391
|
391
|
393
|
388
|
388
|
391
|
393
|
398
|
408
|
409
|
411
|
413
|
412
|
414
|
421
|
472
|
550
|
664
|
791
|
893
|
958
|
985
|
996
|
982
|
962
|
941
|
917
|
896
|
|
| Interest Income |
313
|
319
|
328
|
340
|
355
|
380
|
402
|
429
|
453
|
479
|
512
|
541
|
575
|
588
|
573
|
549
|
511
|
477
|
460
|
450
|
445
|
446
|
451
|
461
|
474
|
495
|
511
|
521
|
529
|
526
|
527
|
533
|
536
|
545
|
555
|
558
|
564
|
562
|
553
|
542
|
541
|
544
|
549
|
562
|
563
|
557
|
552
|
542
|
537
|
541
|
543
|
543
|
541
|
531
|
523
|
510
|
533
|
534
|
539
|
551
|
525
|
531
|
536
|
543
|
551
|
557
|
567
|
564
|
618
|
715
|
866
|
1 059
|
1 230
|
1 364
|
1 447
|
1 494
|
1 488
|
1 439
|
1 364
|
1 281
|
1 215
|
|
| Interest Expense |
79
|
41
|
96
|
113
|
127
|
150
|
168
|
187
|
204
|
220
|
245
|
265
|
283
|
277
|
248
|
211
|
167
|
138
|
121
|
108
|
101
|
96
|
98
|
103
|
107
|
109
|
112
|
114
|
118
|
122
|
126
|
127
|
126
|
127
|
126
|
130
|
135
|
137
|
135
|
131
|
125
|
121
|
121
|
122
|
123
|
124
|
124
|
126
|
128
|
131
|
134
|
139
|
141
|
140
|
132
|
117
|
144
|
146
|
149
|
157
|
127
|
123
|
128
|
132
|
137
|
145
|
152
|
143
|
145
|
165
|
202
|
269
|
337
|
406
|
462
|
498
|
505
|
477
|
423
|
364
|
319
|
|
| Non Interest Income |
99
|
82
|
61
|
81
|
104
|
128
|
128
|
123
|
108
|
97
|
83
|
79
|
75
|
80
|
116
|
141
|
154
|
179
|
188
|
171
|
172
|
150
|
150
|
157
|
179
|
188
|
195
|
209
|
211
|
222
|
228
|
222
|
229
|
269
|
285
|
299
|
277
|
297
|
310
|
325
|
336
|
351
|
365
|
381
|
392
|
416
|
431
|
448
|
445
|
444
|
442
|
437
|
453
|
470
|
487
|
531
|
559
|
554
|
565
|
553
|
553
|
565
|
577
|
586
|
623
|
651
|
658
|
670
|
667
|
709
|
711
|
704
|
716
|
701
|
711
|
755
|
725
|
729
|
778
|
779
|
801
|
|
| Revenue |
334
N/A
|
316
-5%
|
293
-7%
|
308
+5%
|
332
+8%
|
359
+8%
|
362
+1%
|
365
+1%
|
357
-2%
|
355
0%
|
350
-2%
|
355
+2%
|
368
+3%
|
390
+6%
|
442
+13%
|
480
+9%
|
497
+4%
|
518
+4%
|
527
+2%
|
514
-3%
|
516
+1%
|
500
-3%
|
502
+0%
|
514
+2%
|
547
+6%
|
574
+5%
|
593
+3%
|
615
+4%
|
622
+1%
|
626
+1%
|
628
+0%
|
629
+0%
|
638
+1%
|
688
+8%
|
714
+4%
|
728
+2%
|
706
-3%
|
722
+2%
|
729
+1%
|
737
+1%
|
752
+2%
|
774
+3%
|
793
+2%
|
822
+4%
|
832
+1%
|
849
+2%
|
859
+1%
|
864
+1%
|
853
-1%
|
854
+0%
|
851
0%
|
841
-1%
|
853
+1%
|
861
+1%
|
878
+2%
|
924
+5%
|
947
+3%
|
942
-1%
|
956
+2%
|
947
-1%
|
951
+0%
|
973
+2%
|
986
+1%
|
997
+1%
|
1 037
+4%
|
1 064
+3%
|
1 073
+1%
|
1 091
+2%
|
1 139
+4%
|
1 259
+11%
|
1 375
+9%
|
1 494
+9%
|
1 609
+8%
|
1 658
+3%
|
1 697
+2%
|
1 751
+3%
|
1 708
-2%
|
1 692
-1%
|
1 719
+2%
|
1 696
-1%
|
1 696
+0%
|
|
| Pre-Tax Income | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Loan Loss Provision |
(3)
|
(1)
|
1
|
6
|
20
|
17
|
32
|
23
|
10
|
6
|
5
|
3
|
(7)
|
(8)
|
(40)
|
(43)
|
(52)
|
(51)
|
(41)
|
(46)
|
(35)
|
(37)
|
(32)
|
(22)
|
(30)
|
(32)
|
(45)
|
(49)
|
(36)
|
(36)
|
(29)
|
(26)
|
(30)
|
(27)
|
(29)
|
(39)
|
(44)
|
(45)
|
(30)
|
(12)
|
(8)
|
(5)
|
(11)
|
(21)
|
(30)
|
(32)
|
(36)
|
(36)
|
(19)
|
(23)
|
(16)
|
(12)
|
(22)
|
(22)
|
(35)
|
(37)
|
(33)
|
(34)
|
(33)
|
(33)
|
1
|
(19)
|
(1)
|
3
|
6
|
3
|
(12)
|
(27)
|
(66)
|
(59)
|
(63)
|
(65)
|
(68)
|
(85)
|
(82)
|
(64)
|
(74)
|
(63)
|
(65)
|
(54)
|
(35)
|
|
| Non Interest Expense |
(276)
|
(279)
|
(286)
|
(297)
|
(312)
|
(316)
|
(327)
|
(325)
|
(327)
|
(337)
|
(343)
|
(349)
|
(359)
|
(370)
|
(378)
|
(393)
|
(401)
|
(404)
|
(409)
|
(411)
|
(422)
|
(449)
|
(463)
|
(467)
|
(463)
|
(452)
|
(450)
|
(458)
|
(482)
|
(486)
|
(515)
|
(525)
|
(511)
|
(523)
|
(516)
|
(532)
|
(529)
|
(563)
|
(597)
|
(599)
|
(613)
|
(633)
|
(614)
|
(619)
|
(626)
|
(641)
|
(644)
|
(648)
|
(620)
|
(629)
|
(633)
|
(635)
|
(654)
|
(653)
|
(661)
|
(679)
|
(692)
|
(701)
|
(703)
|
(715)
|
(757)
|
(747)
|
(763)
|
(767)
|
(787)
|
(807)
|
(826)
|
(854)
|
(820)
|
(837)
|
(856)
|
(864)
|
(912)
|
(951)
|
(982)
|
(1 005)
|
(1 014)
|
(1 040)
|
(1 071)
|
(1 093)
|
(1 124)
|
|
| Pre-Tax Income |
55
N/A
|
36
-36%
|
9
-75%
|
17
+94%
|
40
+135%
|
60
+49%
|
68
+13%
|
63
-7%
|
39
-39%
|
25
-36%
|
12
-53%
|
9
-21%
|
1
-86%
|
13
+877%
|
23
+83%
|
44
+88%
|
44
+1%
|
63
+43%
|
77
+23%
|
57
-27%
|
59
+5%
|
13
-78%
|
8
-42%
|
26
+238%
|
54
+109%
|
90
+65%
|
98
+10%
|
109
+11%
|
103
-5%
|
105
+1%
|
84
-20%
|
77
-8%
|
97
+25%
|
137
+42%
|
170
+23%
|
157
-8%
|
132
-16%
|
114
-14%
|
101
-11%
|
126
+25%
|
131
+4%
|
137
+4%
|
168
+23%
|
182
+8%
|
177
-3%
|
176
0%
|
179
+1%
|
180
+1%
|
215
+19%
|
201
-6%
|
202
+0%
|
194
-4%
|
176
-9%
|
187
+6%
|
181
-3%
|
208
+15%
|
222
+7%
|
206
-7%
|
221
+7%
|
199
-10%
|
195
-2%
|
207
+6%
|
222
+7%
|
234
+5%
|
255
+9%
|
260
+2%
|
235
-10%
|
210
-10%
|
252
+20%
|
363
+44%
|
456
+26%
|
565
+24%
|
628
+11%
|
622
-1%
|
633
+2%
|
682
+8%
|
619
-9%
|
589
-5%
|
583
-1%
|
549
-6%
|
537
-2%
|
|
| Net Income | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Tax Provision |
(13)
|
(6)
|
0
|
(0)
|
(9)
|
(15)
|
(17)
|
(17)
|
(11)
|
(7)
|
(4)
|
(4)
|
(2)
|
(5)
|
(6)
|
(11)
|
(12)
|
(17)
|
(20)
|
(16)
|
(16)
|
(4)
|
(3)
|
(6)
|
(14)
|
(24)
|
(25)
|
(28)
|
(25)
|
(25)
|
(21)
|
(19)
|
(25)
|
(31)
|
(38)
|
(35)
|
(31)
|
(29)
|
(26)
|
(31)
|
(30)
|
(31)
|
(36)
|
(39)
|
(38)
|
(37)
|
(38)
|
(38)
|
(45)
|
(40)
|
(40)
|
(39)
|
(36)
|
(40)
|
(38)
|
(44)
|
(46)
|
(42)
|
(46)
|
(41)
|
(42)
|
(45)
|
(49)
|
(51)
|
(53)
|
(54)
|
(45)
|
(39)
|
(49)
|
(79)
|
(106)
|
(135)
|
(155)
|
(154)
|
(158)
|
(172)
|
(157)
|
(151)
|
(146)
|
(135)
|
(126)
|
|
| Income from Continuing Operations |
43
|
30
|
9
|
17
|
31
|
45
|
50
|
46
|
28
|
18
|
8
|
6
|
(1)
|
8
|
17
|
32
|
32
|
46
|
57
|
40
|
44
|
9
|
5
|
20
|
41
|
66
|
73
|
81
|
78
|
80
|
63
|
58
|
72
|
106
|
131
|
122
|
102
|
85
|
75
|
95
|
101
|
106
|
131
|
143
|
139
|
139
|
141
|
142
|
170
|
162
|
162
|
155
|
141
|
146
|
143
|
164
|
175
|
165
|
175
|
158
|
153
|
162
|
173
|
183
|
203
|
206
|
190
|
171
|
203
|
284
|
351
|
429
|
473
|
468
|
475
|
510
|
463
|
438
|
437
|
413
|
411
|
|
| Net Income (Common) |
43
N/A
|
30
-31%
|
9
-69%
|
17
+85%
|
31
+86%
|
45
+43%
|
50
+13%
|
46
-8%
|
28
-39%
|
18
-36%
|
8
-56%
|
6
-25%
|
(1)
N/A
|
8
N/A
|
17
+121%
|
32
+91%
|
32
-2%
|
46
+45%
|
57
+23%
|
40
-29%
|
44
+9%
|
9
-79%
|
5
-47%
|
20
+310%
|
41
+106%
|
66
+64%
|
73
+10%
|
81
+11%
|
78
-4%
|
80
+2%
|
63
-21%
|
58
-8%
|
72
+24%
|
106
+48%
|
131
+24%
|
122
-7%
|
102
-17%
|
85
-16%
|
75
-12%
|
95
+26%
|
101
+7%
|
106
+5%
|
131
+24%
|
143
+9%
|
139
-3%
|
139
+0%
|
141
+1%
|
142
+1%
|
170
+20%
|
162
-5%
|
162
+0%
|
155
-4%
|
141
-9%
|
146
+4%
|
143
-2%
|
164
+15%
|
175
+7%
|
165
-6%
|
175
+6%
|
158
-10%
|
153
-3%
|
162
+5%
|
173
+7%
|
183
+6%
|
203
+11%
|
206
+2%
|
190
-8%
|
171
-10%
|
203
+19%
|
284
+40%
|
351
+23%
|
429
+22%
|
473
+10%
|
468
-1%
|
475
+1%
|
510
+8%
|
463
-9%
|
438
-5%
|
437
0%
|
413
-5%
|
411
0%
|
|
| EPS (Diluted) |
16.53
N/A
|
10.96
-34%
|
3.37
-69%
|
6.22
+85%
|
12.03
+93%
|
17.91
+49%
|
19.38
+8%
|
17.76
-8%
|
10.76
-39%
|
6.62
-38%
|
3.03
-54%
|
2.26
-25%
|
-0.35
N/A
|
3.08
N/A
|
7.08
+130%
|
12.96
+83%
|
12.72
-2%
|
18.45
+45%
|
22.73
+23%
|
16.08
-29%
|
17.47
+9%
|
3.6
-79%
|
1.91
-47%
|
7.57
+296%
|
16.2
+114%
|
25.49
+57%
|
28.15
+10%
|
31.23
+11%
|
30.03
-4%
|
30.73
+2%
|
24.15
-21%
|
22.26
-8%
|
27.57
+24%
|
39.22
+42%
|
48.59
+24%
|
45.11
-7%
|
37.59
-17%
|
31.44
-16%
|
27.77
-12%
|
35.03
+26%
|
37.51
+7%
|
39.27
+5%
|
48.68
+24%
|
52.92
+9%
|
51.43
-3%
|
51.51
+0%
|
52.14
+1%
|
52.62
+1%
|
63.02
+20%
|
59.81
-5%
|
59.88
+0%
|
57.33
-4%
|
52.03
-9%
|
41.82
-20%
|
40.88
-2%
|
46.94
+15%
|
50.05
+7%
|
48.41
-3%
|
49.94
+3%
|
46.35
-7%
|
43.77
-6%
|
46.17
+5%
|
49.45
+7%
|
52.2
+6%
|
57.85
+11%
|
59.68
+3%
|
49.22
-18%
|
49.26
+0%
|
58.76
+19%
|
82.35
+40%
|
101.46
+23%
|
124.22
+22%
|
136.99
+10%
|
135.57
-1%
|
137.45
+1%
|
147.23
+7%
|
133.77
-9%
|
126.3
-6%
|
126.38
+0%
|
119.46
-5%
|
118.85
-1%
|
|