Cash flow TF Bank AB

Equities

TFBANK

SE0025666969

Banks

Market Closed - Nasdaq Stockholm Other stock markets 17:00:00 11/03/2026 GMT			5-day change	1st Jan Change
161.00 ^SEK	-1.07%		-0.86%	-1.67%

03-02	TF Bank Board Member Sara Mindus Purchases Shares Worth 1.6 Million SEK	FW
02-26	Stockholm Stock Exchange Rises for Third Consecutive Day, OMXS30 Index Up 0.3 Percent	FW

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Published financial data: TF BANK AB

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	1.07B	1.47B	2.32B	3.04B	3.49B
Interest Income On Investments	-	-	44.63M	60.55M	-
Interest Income, Total	1.07B	1.47B	2.37B	3.1B	3.49B
Interest On Deposits	120M	210M	548M	845M	809M
Interest Expense, Total	120M	210M	548M	845M	809M
Net Interest Income	954M	1.26B	1.82B	2.26B	2.68B
Gain (Loss) on Sale of Invest. & Securities - (Rev)	1K	44K	-	-	-
Total Other Non Interest Income	102M	150M	177M	183M	226M
Non Interest Income, Total	102M	150M	177M	183M	226M
Revenues Before Provison For Loan Losses	1.06B	1.41B	2B	2.44B	2.9B
Provision For Loan Losses	261M	368M	657M	820M	996M
Total Revenues	795M	1.05B	1.34B	1.62B	1.91B
Occupancy Expense	27.36M	28.98M	60.47M	68.4M	70.47M
Selling General & Admin Expenses, Total	414M	581M	771M	866M	982M
Non Operating (Income) Expenses	-	-	-	-103M	2.25M
Non Interest Expense, Total	441M	610M	832M	831M	1.06B
EBT, Excl. Unusual Items	354M	435M	510M	788M	854M
Impairment of Goodwill	-1.28M	-1.28M	-	-	-
Other Unusual Items	-	-	-	-	-
EBT, Incl. Unusual Items	353M	434M	510M	788M	854M
Income Tax Expense	75.35M	93.2M	113M	156M	187M
Earnings From Continuing Operations	277M	341M	397M	632M	667M
Net Income to Company	277M	341M	397M	632M	667M
Minority Interest	-	-	-	-	-
Net Income - (IS)	277M	341M	397M	632M	667M
Preferred Dividend and Other Adjustments	7.33M	14.36M	19.85M	29.13M	25.84M
Net Income to Common Incl Extra Items	270M	326M	377M	603M	641M
Net Income to Common Excl. Extra Items	270M	326M	377M	603M	641M
Per Share Items
Net EPS - Basic	4.18	5.06	5.84	9.35	9.92
Basic EPS - Continuing Operations	4.18	5.06	5.84	9.35	9.92
Basic Weighted Average Shares Outstanding	64.5M	64.5M	64.5M	64.5M	64.64M
Net EPS - Diluted	4.18	5.06	5.84	9.35	9.92
Diluted EPS - Continuing Operations	4.18	5.06	5.84	9.35	9.92
Diluted Weighted Average Shares Outstanding	64.5M	64.5M	64.5M	64.5M	64.64M
Normalized Basic EPS	3.43	4.22	4.94	7.64	8.25
Normalized Diluted EPS	3.43	4.22	4.94	7.64	8.25
Dividend Per Share	0.33	-	-	-	-
Payout Ratio	10.4	10.52	5	4.61	20.03
Supplemental Items
Effective Tax Rate - (Ratio)	21.37	21.47	22.15	19.75	21.85
Total Current Taxes	85.28M	91.02M	161M	89.42M	-
Total Deferred Taxes	-10.32M	1.89M	-48.96M	53.75M	-
Normalized Net Income	221M	272M	318M	492M	533M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	2.37B	3.53B	5.74B	4.26B	4.74B
Investment Securities, Total	598K	525K	144K	117M	117M
Trading Asset Securities, Total	241K	11.39M	2.46M	60.22M	-
Total investments	839K	11.91M	2.6M	178M	117M
Gross Loans	11.36B	15.26B	18.93B	21.06B	25.23B
Allowance For Loan Losses	-485M	-608M	-1.05B	-798M	-1.55B
Net Loans	10.87B	14.65B	17.87B	20.27B	23.68B
Gross Property Plant And Equipment	12.77M	13.6M	102M	126M	-
Accumulated Depreciation	-10.07M	-9.65M	-41.91M	-54.15M	-
Net Property Plant And Equipment	2.7M	3.96M	60.02M	71.37M	75.18M
Goodwill	10.2M	8.93M	12.75M	20.01M	20.01M
Other Intangibles, Total	71.36M	86.78M	93.09M	97.57M	82.7M
Accrued Interest Receivable	-	-	-	-	-
Other Receivables	-	3.99M	43.91M	71.67M	4.37M
Other Current Assets, Total	53.09M	35.72M	57.81M	85.95M	131M
Deferred Tax Assets Long-Term (Collected)	4.78M	2.94M	54.28M	7.66M	86.13M
Other Long-Term Assets, Total	9.42M	12.33M	7.56M	13.3M	181M
Total Assets	13.39B	18.35B	23.95B	25.07B	29.12B
Liabilities
Accounts Payable, Total	6.78M	8.36M	10.97M	9.54M	-
Accrued Expenses, Total	96.8M	118M	161M	204M	385M
Interest Bearing Deposits	11.5B	16.11B	20.65B	21.2B	24.69B
Total Deposits	11.5B	16.11B	20.65B	21.2B	24.69B
Short-Term Borrowings	23.45M	25.68M	228M	21.95M	-
Current Portion of Leases	-	-	-	16.99M	-
Long-Term Debt	198M	199M	347M	346M	395M
Long-Term Leases	-	-	54.44M	50.37M	-
Current Income Taxes Payable	36.09M	35.96M	97.32M	63.18M	81.1M
Accrued Interest Payable	24.78M	27.05M	115M	251M	-
Deferred Tax Liability Current	5.64M	15K	-	7.88M	-
Deferred Tax Liability Non-Current	-	-	-	11.72M	1.12M
Other Non Current Liabilities	63.78M	91.1M	119M	117M	277M
Total Liabilities	11.96B	16.61B	21.79B	22.3B	25.83B
Common Stock, Total	108M	108M	108M	108M	108M
Additional Paid In Capital	-	-	-	-	-
Retained Earnings	775M	1.34B	1.8B	2.41B	2.95B
Comprehensive Income and Other	549M	286M	252M	252M	230M
Total Common Equity	1.43B	1.73B	2.16B	2.77B	3.29B
Minority Interest	-	-	-	-	-
Total Equity	1.43B	1.73B	2.16B	2.77B	3.29B
Total Liabilities And Equity	13.39B	18.35B	23.95B	25.07B	29.12B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	64.5M	64.5M	64.5M	64.5M	64.65M
ECS Total Common Shares Outstanding	64.5M	64.5M	64.5M	64.5M	64.65M
Book Value / Share	22.18	23.8	29.63	39.11	46.99
Tangible Book Value	1.35B	1.64B	2.06B	2.66B	3.19B
Tangible Book Value Per Share	20.92	22.31	27.99	37.29	45.4
Average Assets	11.8B	15.87B	21.16B	24.51B	-
Average Loans	9.4B	12.76B	16.26B	19.07B	23.24B
Total Debt	221M	224M	629M	435M	395M
Deposits at Interest - Cash	1.1B	3.47B	5.73B	4.24B	4.64B
Net Debt	-2.14B	-3.31B	-5.12B	-3.88B	-4.35B
Full Time Employees	236	290	400	417	471

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	277M	341M	397M	632M	667M
Depreciation, Depletion & Amortization	1.41M	154K	20.17M	19.64M	70.47M
Total Depreciation, Depletion & Amortization	1.41M	154K	20.17M	19.64M	70.47M
Amortization of Deferred Charges, Total	25.95M	28.83M	40.29M	48.76M	-
Total Asset Writedown	1.28M	1.28M	-	-	-
Change in Other Net Operating Assets (Collected)	-2.91B	-3.93B	-2.95B	-2.8B	-3.28B
Other Operating Activities	40.93M	5.2M	149M	5.19M	-78.53M
Cash from Operations	-2.57B	-3.56B	-2.34B	-2.09B	-2.62B
Capital Expenditure	-1.45M	-2.82M	-54.11M	-31M	-7.28M
Cash Acquisitions	-25K	-30K	-	-	-
Divestitures	-	-	-	106M	-2.25M
Purchase / Sale of Intangible Assets	-35.55M	-45M	-37.4M	-53.26M	-32.8M
Investment in Marketable and Equity Securities, Total	-	-	-	-	-
Other Investing Activities, Total	-	-	-16.28M	-16.96M	-
Cash from Investing	-37.03M	-47.85M	-108M	4.48M	-42.33M
Long-Term Debt Repaid, Total	-	-	-	-	-17.62M
Total Debt Repaid	-	-	-	-	-17.62M
Issuance of Common Stock	98.61M	-	150M	100M	150M
Repurchase of Common Stock	-47M	-	-	-100M	-100M
Common Dividends Paid	-28.83M	-35.86M	-19.85M	-29.13M	-134M
Common & Preferred Stock Dividends Paid	-28.83M	-35.86M	-19.85M	-29.13M	-134M
Net Increase (Decrease) in Deposit Accounts - (CF)	2.79B	4.6B	4.54B	545M	3.49B
Other Financing Activities, Total	-	-494K	47.48M	-	-72.89M
Cash from Financing	2.81B	4.57B	4.72B	516M	3.32B
Foreign Exchange Rate Adjustments	36.16M	197M	-55.4M	89.39M	-247M
Net Change in Cash	247M	1.16B	2.22B	-1.49B	413M
Supplemental Items
Cash Interest Paid	125M	209M	462M	715M	886M
Cash Income Tax Paid (Refund)	41.1M	93.33M	53.93M	188M	189M
Net Debt Issued / Repaid	-	-	-	-	-17.62M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	2.35	2.15	1.87	2.58	2.46
Return On Equity %	22.05	21.53	20.35	25.63	22.01
Return on Common Equity	21.47	20.63	19.33	24.45	21.16
Shareholders Value Added	126M	151M	163M	336M	303M
Margin Analysis
SG&A Margin	55.48	58.36	62.01	57.69	55.16
Net Interest Income / Total Revenues %	120	120.8	135.79	139.34	140.36
EBT Excl. Non-Recurring Items Margin %	44.52	41.64	37.99	48.67	44.72
Income From Continuing Operations Margin %	34.88	32.61	29.58	39.06	34.95
Net Income Margin %	34.88	32.61	29.58	39.06	34.95
Net Avail. For Common Margin %	33.96	31.23	28.1	37.26	33.59
Normalized Net Income Margin	27.83	26.03	23.75	30.42	27.95
Asset quality
Nonperforming Loans / Total Loans %	5.49	5	8.48	1.34	6.49
Nonperforming Loans / Total Assets %	4.65	4.16	6.7	1.13	5.62
Nonperforming Assets / Total Assets %	4.65	4.16	6.7	1.13	5.62
NPAs / Loans and OREO	5.49	5	8.48	1.34	6.49
NPAs / Equity	43.57	44.02	74.25	10.19	49.8
Allowance for Credit Losses / Net Charge-offs %	1.3K	1.63K	1.89K	1.52K	5.71K
Allowance for Credit Losses / Nonperforming Loans %	77.87	79.57	65.73	282.47	94.86
Allowance for Credit Losses / Total Loans %	4.27	3.98	5.57	3.79	6.16
Net Charge-offs / Total Average Loans %	0.4	0.29	0.34	0.28	0.12
Provision for Loan Losses / Net Charge-offs %	696.79	987.08	1.18K	1.56K	3.66K
Interest Income / Average Assets	9.1	9.28	11.19	12.65	-
Interest Expense / Average Assets	1.02	1.33	2.59	3.45	-
Net Interest Income / Average Assets	8.08	7.96	8.61	9.2	-
Non Interest Income / Average Assets	0.86	0.95	0.84	0.75	-
Non Interest Expense / Average Asset	3.74	3.84	3.93	3.39	-
Capital And Funding
Total Average Common Equity / Total Average Assets %	10.66	9.97	9.21	10.07	11.18
Total Average Equity / Total Average Assets %	10.66	9.97	9.21	10.07	11.18
Total Equity + Allowance for Loan Losses / Total Loans %	16.87	15.35	16.99	16.95	19.19
Gross Loans / Total Deposits %	98.72	94.75	91.63	99.37	102.18
Net Loans / Total Deposits %	94.5	90.98	86.53	95.6	95.89
Tier 1 Capital Ratio %	14.3	13.9	13.6	14.7	14.2
Total Capital Ratio %	16.2	15.6	15.9	16.7	16.1
Core Tier 1 Capital Ratio	12.3	12.3	12	13.3	13
Tier 2 Capital Ratio	1.96	1.61	2.29	1.95	1.92
Coverage Ratio	77.87	79.57	65.73	282.47	94.86
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	3.93	3.06	1.93	1.93	2.06
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	20.83	32.4	44.3	23.85	18.76
Non Interest Income, 1 Yr. Growth %	17.1	47.76	17.76	3.37	23.41
Provision For Loan Losses, 1 Yr. Growth %	-4.44	41.07	78.7	24.78	21.5
Total Revenues, 1 Yr. Growth %	31.71	31.52	28.38	20.7	17.9
Earnings From Cont. Operations, 1 Yr. Growth %	36.74	22.94	15.84	59.4	5.49
Net Income, 1 Yr. Growth %	36.74	22.94	15.84	59.4	5.49
Normalized Net Income, 1 Yr. Growth %	34.07	23.02	16.95	54.63	8.32
Diluted EPS Before Extra, 1 Yr. Growth %	37.83	20.96	14.86	60.07	6.32
Dividend Per Share, 1 Yr. Growth %	0	-	-	-	-
Gross Loans, 1 Yr. Growth %	36.59	34.38	24	11.3	19.79
Allowance For Loan Losses, 1 Yr. Growth %	23.57	25.18	73.58	-24.32	94.6
Net Loans, 1 Yr. Growth %	37.23	34.79	21.95	13.4	16.84
Non Performing Loans, 1 Yr. Growth %	21.67	22.52	110.12	-82.39	479.45
Non Performing Assets, 1 Yr. Growth %	21.67	22.52	110.12	-82.39	479.45
Total Assets, 1 Yr. Growth %	31.24	37.01	30.31	4.69	16.15
Total Deposits, 1 Yr Growth %	32.03	40.01	28.21	2.64	16.48
Tangible Book Value, 1 Yr. Growth %	33.52	21.49	25.38	29.2	19.97
Common Equity, 1 Yr. Growth %	32.02	21.25	24.29	28.31	18.59
Total Equity, 1 Yr. Growth %	32.02	21.25	24.29	28.31	18.59
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	16.14	26.48	38.2	33.69	21.28
Non Interest Income, 2 Yr. CAGR %	28.14	31.54	31.91	10.33	12.94
Provision For Loan Losses, 2 Yr. CAGR %	17.53	16.1	58.77	49.33	23.13
Total Revenues, 2 Yr. CAGR %	17.03	31.62	29.91	24.48	19.29
Earnings From Cont. Operations, 2 Yr. CAGR %	11.76	29.66	19.63	35.89	29.67
Net Income, 2 Yr. CAGR %	11.76	29.66	19.63	35.89	29.67
Normalized Net Income, 2 Yr. CAGR %	10.58	28.43	20.01	34.48	29.42
Diluted EPS Before Extra, 2 Yr. CAGR %	11.97	29.12	18.18	35.59	30.3
Dividend Per Share, 2 Yr. CAGR %	-	-	-	-	-
Gross Loans, 2 Yr. CAGR %	29.98	35.48	29.09	17.48	15.46
Allowance For Loan Losses, 2 Yr. CAGR %	46.45	24.37	47.41	14.61	21.36
Net Loans, 2 Yr. CAGR %	29.37	36	28.21	17.6	15.11
Non Performing Loans, 2 Yr. CAGR %	66.89	22.09	60.45	-39.17	1.02
Non Performing Assets, 2 Yr. CAGR %	66.89	22.09	60.45	-39.17	1.02
Total Assets, 2 Yr. CAGR %	25.75	34.1	33.73	16.8	10.27
Total Deposits, 2 Yr CAGR %	26.43	35.96	33.98	14.72	9.34
Tangible Book Value, 2 Yr. CAGR %	27.79	27.36	23.42	27.27	24.5
Common Equity, 2 Yr. CAGR %	26.43	26.52	22.9	26.28	23.35
Total Equity, 2 Yr. CAGR %	26.43	26.52	22.9	26.28	23.35
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	18.39	21.33	32.14	33.24	28.51
Non Interest Income, 3 Yr. CAGR %	24.27	34.37	26.78	21.61	14.53
Provision For Loan Losses, 3 Yr. CAGR %	20.14	24.9	34.05	46.52	39.4
Total Revenues, 3 Yr. CAGR %	18.52	21.68	30.51	26.77	22.25
Earnings From Cont. Operations, 3 Yr. CAGR %	13.06	15.37	25.08	31.64	24.89
Net Income, 3 Yr. CAGR %	13.06	15.37	25.08	31.64	24.89
Normalized Net Income, 3 Yr. CAGR %	15.47	14.58	24.52	30.59	25.12
Diluted EPS Before Extra, 3 Yr. CAGR %	12.77	14.89	24.4	30.76	24.94
Dividend Per Share, 3 Yr. CAGR %	-24.25	-	-	-	-
Gross Loans, 3 Yr. CAGR %	35.23	31.43	31.54	22.86	18.24
Allowance For Loan Losses, 3 Yr. CAGR %	50.28	38.99	38.99	18.03	36.73
Net Loans, 3 Yr. CAGR %	34.69	31.15	31.15	23.07	17.34
Non Performing Loans, 3 Yr. CAGR %	75.53	50.56	46.31	-23.18	28.95
Non Performing Assets, 3 Yr. CAGR %	75.53	50.56	46.31	-23.18	28.95
Total Assets, 3 Yr. CAGR %	30.36	29.4	32.89	23.25	16.58
Total Deposits, 3 Yr CAGR %	31.18	30.81	33.33	22.59	15.3
Tangible Book Value, 3 Yr. CAGR %	25.9	25.65	26.7	25.32	24.79
Common Equity, 3 Yr. CAGR %	25.34	24.68	25.87	24.68	23.66
Total Equity, 3 Yr. CAGR %	25.34	24.68	25.87	24.68	23.66
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	19.04	21.92	25.95	26.12	27.69
Non Interest Income, 5 Yr. CAGR %	19.44	28.45	27.27	24.18	21.05
Provision For Loan Losses, 5 Yr. CAGR %	18.49	23.23	34.31	34.15	29.57
Total Revenues, 5 Yr. CAGR %	19.27	22.29	22.95	22.78	25.9
Earnings From Cont. Operations, 5 Yr. CAGR %	20.47	18.18	15.64	23.3	26.9
Net Income, 5 Yr. CAGR %	18.73	17.61	15.64	23.3	26.9
Normalized Net Income, 5 Yr. CAGR %	15.48	16.98	17.26	22.18	26.46
Diluted EPS Before Extra, 5 Yr. CAGR %	18.07	16.61	14.91	22.89	26.73
Dividend Per Share, 5 Yr. CAGR %	-14.59	-	-	-	-
Gross Loans, 5 Yr. CAGR %	34.85	36.53	32.74	25.66	24.86
Allowance For Loan Losses, 5 Yr. CAGR %	53.15	58.65	49.13	28.67	31.65
Net Loans, 5 Yr. CAGR %	34.29	35.94	32.06	25.55	24.48
Non Performing Loans, 5 Yr. CAGR %	36.96	-	69.34	4.78	26.16
Non Performing Assets, 5 Yr. CAGR %	36.96	-	69.34	4.78	26.16
Total Assets, 5 Yr. CAGR %	35.4	32.49	31.7	24.24	23.33
Total Deposits, 5 Yr CAGR %	38.17	33.82	32.29	24.12	23.16
Tangible Book Value, 5 Yr. CAGR %	25.94	26.83	24.9	26.3	25.81
Common Equity, 5 Yr. CAGR %	25.65	26.25	24.35	25.37	24.85
Total Equity, 5 Yr. CAGR %	24.97	26.25	24.35	25.37	24.85