Aktia Pankki Oyj Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	-	424.98	360.71	119.51	93.25
Interest Income on Investments	-	0.34	0.14	1.44	0.35
Total Interest Income	-	425.33	360.85	120.96	93.61
Interest Paid on Deposits	-	272.94	220.28	20.33	-3
Net Interest Income	139	152.38	140.57	100.62	96.6
Net Interest Income Growth (YoY)	-8.78%	8.40%	39.70%	4.16%	19.15%
Gain (Loss) on Sale of Assets	-	0.15	0.12	0.02	0.35
Gain (Loss) on Sale of Investments	-2.3	104.96	108.1	-189.38	4.51
Other Non-Interest Income	156.2	51.29	38.65	391.69	98.94
Total Non-Interest Income	153.9	156.41	146.87	202.33	103.79
Non-Interest Income Growth (YoY)	-1.60%	6.49%	-27.41%	94.93%	31.09%
Revenues Before Loan Losses	292.9	308.79	287.44	302.95	200.4
Provision for Loan Losses	15.8	10.63	6.97	10.22	4.49
Revenue	277.1	298.16	280.48	292.73	195.9
Revenue Growth (YoY)	-7.06%	6.31%	-4.18%	49.42%	25.41%
Salaries and Employee Benefits	82.9	77.56	80.26	76.53	81.11
Occupancy Expenses	17.3	23.74	23.49	23.29	21.5
Selling, General & Administrative	53.3	59.16	50.8	42.75	39.92
Other Non-Interest Expense	31.7	18.12	22.16	26.86	31.86
Total Non-Interest Expense	185.1	178.49	176.56	169.18	174.67
EBT Excluding Unusual Items	92	119.67	103.92	123.54	21.23
Asset Writedown	-19.4	-25.03	-1.3	-	3.12
Other Unusual Items	-	-	-	-	60.27
Pretax Income	24.9	94.65	102.61	123.5	84.62
Income Tax Expense	14.6	18.75	21.27	25.17	17.27
Earnings From Continuing Operations	10.3	75.9	81.34	98.33	67.36
Net Income	10.3	75.9	81.34	98.33	67.36
Preferred Dividends & Other Adjustments	-	-	-	-	0.54
Net Income to Common	10.3	75.9	81.34	98.33	66.82
Net Income Growth	-86.43%	-6.69%	-17.28%	45.98%	58.04%
Basic Shares Outstanding	73	73	72	72	70
Diluted Shares Outstanding	73	73	72	72	70
Shares Change (YoY)	0.63%	0.54%	0.46%	2.21%	0.96%
EPS (Basic)	0.14	1.04	1.12	1.37	0.95
EPS (Diluted)	0.14	1.04	1.12	1.37	0.95
EPS Growth	-86.54%	-7.14%	-17.97%	43.99%	55.46%
Dividend Per Share	0.800	0.820	0.700	0.430	0.560
Dividend Growth	-2.44%	17.14%	62.79%	-23.21%	30.23%
Effective Tax Rate	58.64%	19.81%	20.73%	20.38%	20.40%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.