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Hvidbjerg Bank, periodemeddelelse for 1.-3. kvartal 2020

De første 9 måneder af 2020 i overskrifter
Resultat før skat på 14,4 mio. kr. for 1. – 3. kvartal 2020 mod 26,6 mio. kr. samme periode sidste årForrentning af primo egenkapitalen med 12 % p.a. før skat.
 
Banken anser resultatet som tilfredsstillende.
 
Banken har ikke i 2020 ændret eller suspenderet forventninger til årets resultat. Resultatforventningen er stadig et resultat for året i intervallet 13 – 18 mio. kr.                       ————-                      Nettorenter og gebyrer udgør 60,1 mio. kr. mod 61,8 mio. kr. sidste år – et fald på 2,8 %.
 
Omkostninger stiger med 2,7 mio. kr. til 42,7 mio. kr. eller 6,7 %.
 
Basisindtjeningen falder med 5 mio. kr. i forhold til sidste år, til nu at udgøre 16,2 mio. kr. Det er den næstbedste basisindtjening i bankens historie.
 
Kursreguleringer udgør 1,4 mio. kr. mod 8,4 mio. kr. sidste år. Forskellen ligger primært i bankens salg af 75 % af aktierne i Sparinvest i 2019.
 
Nedskrivninger udgør 3,2 mio. kr. mod 3,1 mio. kr. sidste år. Der er i 2020 hensat yderligere 8 mio. kr. i ledelsesmæssigt skøn. Det samlede hensatte beløb er nu 9 mio. kr. med baggrund i fortsat usikkerhed om cornakrisens påvirkning.
 
Stigning i bankens udlån på 20 mio. kr. (2,5 %) og indlån på 52 mio. kr. (5,6 %).
 
Banken har fortsat god tilgang af nye kunder.                       
                      
                      
Vedhæftet filPeriodemeddelelse 3. kvartal 2020 Hvidbjerg Bank

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