Aktia Pankki Oyj (HEL: AKTIA)

Aktia Pankki Oyj Income Statement

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

Fiscal Year	TTM	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Period Ending	Sep 30, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019
Interest Income on Loans	426.61	360.71	119.51	93.25	83.07	81.43
Interest Income on Investments	-41.16	0.14	1.44	0.35	0.4	0.46
Total Interest Income	385.45	360.85	120.96	93.61	83.47	81.89
Interest Paid on Deposits	216.68	216.68	20.33	-3	2.39	3.86
Net Interest Income	156.37	144.17	100.62	96.6	81.08	78.03
Net Interest Income Growth (YoY)	23.69%	43.28%	4.16%	19.15%	3.90%	-9.28%
Gain (Loss) on Sale of Assets	0.12	0.12	0.02	0.35	0.08	0.48
Gain (Loss) on Sale of Investments	120.6	108.1	-189.38	4.51	4.79	19.93
Other Non-Interest Income	28.55	38.65	391.69	98.94	74.31	45
Total Non-Interest Income	149.27	146.87	202.33	103.79	79.18	65.41
Non-Interest Income Growth (YoY)	1.94%	-27.41%	94.93%	31.08%	21.05%	-29.12%
Revenues Before Loan Losses	305.64	291.04	302.95	200.4	160.26	143.45
Provision for Loan Losses	8.77	6.97	10.22	4.49	4.05	4.45
Revenue	296.87	284.07	292.73	195.9	156.21	138.99
Revenue Growth (YoY)	13.65%	-2.96%	49.42%	25.41%	12.39%	-21.68%
Salaries and Employee Benefits	78.96	80.26	76.53	81.11	66.75	66.08
Occupancy Expenses	24.09	23.49	23.29	21.5	18.28	19.48
Selling, General & Administrative	55.2	50.8	42.75	39.92	32.57	32.39
Other Non-Interest Expense	17.76	22.16	26.86	31.86	24.28	22.45
Total Non-Interest Expense	175.86	176.56	169.18	174.67	141.98	138.71
EBT Excluding Unusual Items	121.01	107.51	123.54	21.23	14.23	0.29
Asset Writedown	1.7	-1.3	-	3.12	-3.82	4.32
Other Unusual Items	-	-	-	60.27	44.68	73.65
Pretax Income	122.71	106.21	123.5	84.62	54.79	74.76
Income Tax Expense	23.99	21.99	25.17	17.27	12.17	12.93
Earnings From Continuing Operations	98.72	84.22	98.33	67.36	42.62	61.83
Net Income	98.72	84.22	98.33	67.36	42.62	61.83
Preferred Dividends & Other Adjustments	-	-	-	0.54	-	-
Net Income to Common	98.72	84.22	98.33	66.82	42.62	61.83
Net Income Growth	47.50%	-14.35%	45.98%	58.03%	-31.06%	10.39%
Basic Shares Outstanding	73	72	72	70	70	69
Diluted Shares Outstanding	73	72	72	70	70	69
Shares Change (YoY)	0.57%	0.46%	2.20%	0.96%	1.09%	0.32%
EPS (Basic)	1.36	1.16	1.37	0.95	0.61	0.90
EPS (Diluted)	1.36	1.16	1.37	0.95	0.61	0.90
EPS Growth	46.67%	-15.04%	43.99%	55.46%	-31.88%	10.56%
Dividend Per Share	0.700	0.700	0.430	0.560	0.430	0.530
Dividend Growth	62.79%	62.79%	-23.21%	30.23%	-18.87%	-13.11%
Effective Tax Rate	19.55%	20.70%	20.38%	20.40%	22.21%	17.30%

Source: S&P Capital IQ. Banks template. Financial Sources.