Fyrra hálvár hjá BankNordik var í stóran mun merkt av teimum fíggjarligu av-bjóðingum, ið COVID-19 hevði við sær. Hálvársroknskapurin vísir tó, at grundraksturin er góður, og bankin er væl bjálvaður til at standa ímóti fíggjarligu avleiðingunum av heilsukreppuni. Avlopið í fyrra hálvári var 58 mió. kr.
“Koronakreppan hevur givið okkum møguleika at hjálpa kundum, ið fingu tørv á fíggjarligari hjálp, tá ið virksemið í samfelagnum so brádliga minkaði. Fyri ávísar partar av føroyskum vinnulívi hevur talan eyðsæð verið um eitt ógvusligt bakkast, men sum heild tykjast bæði fyritøkur og húsarhald at tola búskaparliga niðurgongd í eitt tíðarskeið. Vit vita, at kreppan enn ikki er hæsað av, og tí eru vit sjálvandi eisini til reiðar at hjálpa teimum, ið fáa tørv á fíggjarligari hjálp komandi tíðina,” sigur Árni Ellefsen, forstjóri í BankNordik.
Tørvurin á fíggjarligari hjálp minkaður
Í mars setti BankNordik egin hjálpartiltøk í verk fyri at hjálpa fyritøkum og privatum húsarhaldum væl ígjøgnum fíggjarligu avbjóðingarnar, ið koronasmittan elvdi til. Í tí sambandi hava bæði vinnukundar og privatkundar tikið av møguleikanum at útseta lánsgjøld í upp til 6 mánaðir. Tørvurin hevur tó verið minkandi í 2. ársfjórðingi, og tað ber boð um, at kundarnir hjá bankanum sum heild eru væl fyri fíggjarliga.
Veita framvegis bústaðarfígging um alt landið
Nógv virksemi er á bústaðarmarknaðinum, og bankin veitir framhaldandi fígging í sambandi við nýbygging, bústaðarkeyp og umvæling um alt landið. Eftirspurningurin eftir at fáa fígging til keyp av bústaði, bili o.ø. er framvegis stórur, og sethúsaprísirnir eru á sama stigi, sum teir vóru undan farsóttini. Føroyingar hava søguliga fíggjað bústaðin við vanligum bankaláni, og BankNordik fegnast um, at alsamt fleiri kundar nú velja eina skynsama samanseting av realkredittláni og vanligum bankaláni. Samanborið við sama tíðarskeið í fjør er vøksturin í realkredittlánum 20%.
Útlitini eru batnað, men óvissa valdar framvegis
COVID-19 hevur higartil ikki ávirkað fíggjarligu gongdina hjá BankNordik so nógv sum upprunaliga væntað, og síðan apríl hevur bankin í tveimum førum endurmett fíggjarligu vánirnar fyri árið, so hvørt sum útlitini eru batnað. Tað er tó framvegis sera óvist, hvørjar fíggjarligar avleiðingar farsóttin fer at hava, og tískil hevur bankin sett 35 mió. kr. av til tap, ið kunnu væntast í kjalarvørrinum á kreppuni.
Í desember 2019 tillagaði bankin sítt virksemi til tess at tryggja eina betri javnvág millum inntøkur og útreiðslur, og henda umskipan hevur brynjað bankan til at standa ímóti avleiðingunum av koronakreppuni. Solvensurin er nú øktur til 24% – sum er munandi hægri enn solvensmálið – og bankin er sostatt væl bjálvaður til møguligar komandi avbjóðingar.
Í mars í ár tók BankNordik avgerð um fyribils ikki at gjalda partaeigarunum vinningsbýti fyri roknskaparárið 2019 orsakað av óvissu støðuni viðvíkjandi COVID-19. Um búska-parliga gongdin ikki broytist munandi, fer bankin at taka støðu til útgjald av vinningsbýti fyri 2019 av nýggjum – í seinasta lagi í sambandi við framløgu av ársroknskapinum fyri
2020.
Roknskapurin í stuttum
– Úrslitið fyri skatt gjørdist 74 mió. kr. samanborið við 151 mió. kr. sama tíðarskeið í 2019
– Rakstrarúrslitið fyri niðurskrivingar gjørdist 93 mió. kr. samanborið við 67 mió. kr. sama tíðarskeið í 2019
– Netto -2 mió. kr. í niðurskrivingum á útlánum vórðu gjørdar samanborið við afturførdar niðurskrivingar fyri 72 mió. kr. sama tíðarskeið í 2019
– Rakstrarúrslitið gjørdist 91 mió. kr. samanborið við 138 mió. kr. sama tíðarskeið í 2019
– Bankin hevði 9,9 mia. kr. í útlánum samanborið við 10,1 mia. kr. sama tíðarskeið í 2019
– Innlán bankans lækkaðu úr 14,2 mia. kr. sama tíðarskeið í 2019 til 13,1 mia. kr.
– Solvensurin hækkaði úr 19,6% sama tíðarskeið í 2019 til 24%
– Bankin væntar, at nettoúrslitið fyri 2020 verður millum 80 og 120 mió. kr. (við ársbyrjan var væntaða úrslitið millum 100 og 150 mió. kr.
BankNordik
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