Aktia Pankki Oyj Balance Sheet

Financials in millions EUR. Fiscal year is January - December.

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	102.4	76.55	93.69	144.44	734.91	276.61
Investment Securities	1,363	1,451	1,540	1,530	1,494	1,672
Trading Asset Securities	1,747	1,649	1,452	1,304	1,491	1,309
Total Investments	3,111	3,100	2,992	2,834	2,985	2,981
Gross Loans	8,713	8,362	8,562	8,994	7,530	7,031
Allowance for Loan Losses	-46.1	-37.63	-36.01	-37.46	-30.07	-28.31
Other Adjustments to Gross Loans	-	-27.59	-23.57	-3.9	-1.42	-0.83
Net Loans	8,667	8,297	8,502	8,952	7,498	7,002
Property, Plant & Equipment	27.1	27.91	29.97	28.87	30.37	27.94
Goodwill	-	80.4	80.4	80.4	80.4	-
Other Intangible Assets	165.1	67.8	77.5	76.07	84.1	47.96
Investments in Real Estate	61.1	61.81	62.32	44.67	45.47	39.85
Accrued Interest Receivable	-	66.32	76.89	52.35	43.71	34.43
Other Receivables	51.6	30.27	28.06	83.62	42.16	60.18
Restricted Cash	-	50.2	58.1	53.89	51.6	48.98
Other Current Assets	-	13.43	-	13.33	43.85	41.54
Long-Term Deferred Tax Assets	12.5	18.99	25.93	38.15	2.14	2.45
Other Long-Term Assets	130.2	7.5	0.53	0.47	2.18	0.48
Total Assets	12,328	11,904	12,038	12,412	11,653	10,573
Accrued Expenses	-	62.26	42.68	34.37	42.79	28.15
Interest Bearing Deposits	4,877	1,184	1,394	1,425	911.68	783.21
Non-Interest Bearing Deposits	-	3,228	3,478	4,621	4,514	4,381
Total Deposits	4,877	4,412	4,873	6,046	5,426	5,164
Short-Term Borrowings	145.3	181.2	223.66	294.05	20.48	12.25
Current Portion of Long-Term Debt	-	670.84	559.56	771.37	1,053	200.43
Current Portion of Leases	-	4.66	4.69	4.87	4.9	2.2
Current Income Taxes Payable	-	0.33	4.59	2.84	6.69	4.04
Accrued Interest Payable	-	56.2	65.01	8.83	13.29	13.29
Other Current Liabilities	-	8.55	25.7	8.2	5.64	10.93
Long-Term Debt	4,531	3,537	3,139	2,404	2,172	2,828
Long-Term Leases	22.5	17.92	18.98	17.4	19.63	22.39
Long-Term Unearned Revenue	-	-1.28	-2.01	0.26	1.22	0.97
Pension & Post-Retirement Benefits	-	0.17	0.49	0.47	1.05	0.99
Long-Term Deferred Tax Liabilities	48.8	51.2	53.87	62.93	58.15	51.72
Other Long-Term Liabilities	1,951	2,161	2,324	2,116	2,091	1,566
Total Liabilities	11,576	11,162	11,333	11,772	10,915	9,906
Common Stock	169.7	169.73	169.73	169.73	229.19	169.73
Retained Earnings	384.8	385.9	362.49	312.92	360.61	360.73
Treasury Stock	-	-1.36	-0.87	-0.86	-0.97	-1.66
Comprehensive Income & Other	197.4	187.58	173.5	158.3	149.57	138.02
Total Common Equity	751.9	741.85	704.85	640.1	738.4	666.83
Shareholders' Equity	751.9	741.85	704.85	640.1	738.4	666.83
Total Liabilities & Equity	12,328	11,904	12,038	12,412	11,653	10,573
Total Debt	4,699	4,412	3,946	3,492	3,269	3,065
Net Cash (Debt)	-2,849	-2,686	-2,401	-2,043	-1,043	-1,480
Net Cash Per Share	-39.01	-36.93	-33.18	-28.38	-14.80	-21.21
Filing Date Shares Outstanding	73.22	72.91	72.49	72.16	71.82	69.46
Total Common Shares Outstanding	73.22	72.91	72.49	72.16	71.82	69.46
Book Value Per Share	9.46	9.36	8.90	8.05	10.28	9.60
Tangible Book Value	586.8	593.66	546.95	483.63	573.9	618.87
Tangible Book Value Per Share	7.20	7.33	6.73	5.88	7.99	8.91

Source: S&P Global Market Intelligence. Banks template. Financial Sources.