Aktia Pankki Oyj (HEL:AKTIA)

Aktia Pankki Oyj Income Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	385.58	424.98	360.71	119.51	93.25	83.07
Interest Income on Investments	-14.26	0.34	0.14	1.44	0.35	0.4
Total Interest Income	371.33	425.33	360.85	120.96	93.61	83.47
Interest Paid on Deposits	272.94	272.94	220.28	20.33	-3	2.39
Net Interest Income	144.38	152.38	140.57	100.62	96.6	81.08
Net Interest Income Growth (YoY)	-6.71%	8.40%	39.70%	4.16%	19.15%	3.90%
Gain (Loss) on Sale of Assets	0.15	0.15	0.12	0.02	0.35	0.08
Gain (Loss) on Sale of Investments	98.46	104.96	108.1	-189.38	4.51	4.79
Other Non-Interest Income	58.89	51.29	38.65	391.69	98.94	74.31
Total Non-Interest Income	157.51	156.41	146.87	202.33	103.79	79.18
Non-Interest Income Growth (YoY)	8.13%	6.49%	-27.41%	94.93%	31.09%	21.05%
Revenues Before Loan Losses	301.89	308.79	287.44	302.95	200.4	160.26
Provision for Loan Losses	12.23	10.63	6.97	10.22	4.49	4.05
Revenue	289.66	298.16	280.48	292.73	195.9	156.21
Revenue Growth (YoY)	-0.55%	6.31%	-4.18%	49.42%	25.41%	12.39%
Salaries and Employee Benefits	79.06	77.56	80.26	76.53	81.11	66.75
Occupancy Expenses	19.74	23.74	23.49	23.29	21.5	18.28
Selling, General & Administrative	62.16	59.16	50.8	42.75	39.92	32.57
Other Non-Interest Expense	22.42	18.12	22.16	26.86	31.86	24.28
Total Non-Interest Expense	183.29	178.49	176.56	169.18	174.67	141.98
EBT Excluding Unusual Items	106.37	119.67	103.92	123.54	21.23	14.23
Asset Writedown	-25.13	-25.03	-1.3	-	3.12	-3.82
Other Unusual Items	-	-	-	-	60.27	44.68
Pretax Income	81.25	94.65	102.61	123.5	84.62	54.79
Income Tax Expense	16.35	18.75	21.27	25.17	17.27	12.17
Earnings From Continuing Operations	64.9	75.9	81.34	98.33	67.36	42.62
Net Income	64.9	75.9	81.34	98.33	67.36	42.62
Preferred Dividends & Other Adjustments	-	-	-	-	0.54	-
Net Income to Common	64.9	75.9	81.34	98.33	66.82	42.62
Net Income Growth	-31.72%	-6.69%	-17.28%	45.98%	58.04%	-31.06%
Basic Shares Outstanding	73	73	72	72	70	70
Diluted Shares Outstanding	73	73	72	72	70	70
Shares Change (YoY)	0.54%	0.54%	0.46%	2.21%	0.96%	1.09%
EPS (Basic)	0.89	1.04	1.12	1.37	0.95	0.61
EPS (Diluted)	0.88	1.04	1.12	1.37	0.95	0.61
EPS Growth	-32.77%	-7.14%	-17.97%	43.99%	55.46%	-31.88%
Dividend Per Share	0.820	0.820	0.700	0.430	0.560	0.430
Dividend Growth	17.14%	17.14%	62.79%	-23.21%	30.23%	-18.87%
Effective Tax Rate	20.12%	19.81%	20.73%	20.38%	20.40%	22.21%

Updated Feb 12, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.