Reports and figures for investors | Arbejdernes Landsbank

See selected key figures, the bank´s latest annual and half-yearly reports and find information on solvency needs and capital base.

Financial highlights, ratios & key figures, Group

	Units	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Financial highlights
Net interest income	DKKm	3,279	2,281	1,643	1,070	1,075
Profit before tax	DKKm	2,511	903	1,378	382	588
Profit for the period	DKKm	1,838	789	1,329	330	545
Loans and other receivables at amortised cost	DKKm	47,593	44,110	41,958	23,818	22,906
Deposits incl. pooled schemes	DKKm	93,691	88,095	89,237	52,045	47,990
Ratios and key figures
Impairment ratio for the year	%	0.2	0.6	0.5	0.2	-0.2
Cost ratio	%	54.8	77.4	68.4	83.2	76.5
Return on equity before tax	%	18.7	7.0	14.8	5.5	8.6
Return on equity after tax	%	13.7	6.1	13.9	4.7	7.9
Capital ratio	%	21.0	19.8	18.2	20.6	19.8
Common Equity Tier 1 capital ratio	%	19.0	17.8	16.0	18.1	17.3
Tier 1 capital ratio	%	17.5	16.1	14.9	17.0	16.2
Capital requirement	%	15.9	15.7	12.5	12.8	13.5
Capital excess cover	p.p.	5.1	4.0	5.7	7.8	6.3
Liquidity coverage ratio (LCR)	%	309.6	264.5	249.4	274.1	269.9

Units

Dec 2023

Dec 2022

Dec 2021

Dec 2020

Dec 2019

Financial highlights

Net interest income

DKKm

3,279

2,281

1,643

1,070

1,075

Profit before tax

DKKm

2,511

903

1,378

382

588

Profit for the period

DKKm

1,838

789

1,329

330

545

Loans and other receivables at amortised cost

DKKm

47,593

44,110

41,958

23,818

22,906

Deposits incl. pooled schemes

DKKm

93,691

88,095

89,237

52,045

47,990

Ratios and key figures

Impairment ratio for the year

0.2

0.6

0.5

0.2

-0.2

Cost ratio

54.8

77.4

68.4

83.2

76.5

Return on equity before tax

18.7

7.0

14.8

5.5

8.6

Return on equity after tax

13.7

6.1

13.9

4.7

7.9

Capital ratio

21.0

19.8

18.2

20.6

19.8

Common Equity Tier 1 capital ratio

19.0

17.8

16.0

18.1

17.3

Tier 1 capital ratio

17.5

16.1

14.9

17.0

16.2

Capital requirement

15.9

15.7

12.5

12.8

13.5

Capital excess cover

p.p.

5.1

4.0

5.7

7.8

6.3

Liquidity coverage ratio (LCR)

309.6

264.5

249.4

274.1

269.9

Reports and figures

Financial highlights, ratios & key figures, Group

Annual Reports

Interim Reports

Group Risk Reports

CSR Reports

Solvency Need and Pillar 3 reports

2024

2023

2022

2021