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	317.47	424.98	360.71	119.51	93.25
Interest Income on Investments	0.18	0.34	0.14	1.44	0.35
Total Interest Income	317.65	425.33	360.85	120.96	93.61
Interest Paid on Deposits	178.66	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	0.15	0.12	0.02	0.35
Gain (Loss) on Sale of Investments	100.78	110.89	108.1	-189.38	4.51
Other Non-Interest Income	55.89	45.37	38.65	391.69	98.94
Total Non-Interest Income	156.81	156.41	146.87	202.33	103.79
Non-Interest Income Growth (YoY)	0.26%	6.49%	-27.41%	94.93%	31.09%
Revenues Before Loan Losses	295.81	308.79	287.44	302.95	200.4
Provision for Loan Losses	15.77	10.63	6.97	10.22	4.49
Revenue	280.04	298.16	280.48	292.73	195.9
Revenue Growth (YoY)	-6.08%	6.31%	-4.18%	49.42%	25.41%
Salaries and Employee Benefits	79.33	77.56	80.26	76.53	81.11
Occupancy Expenses	17.28	23.74	23.49	23.29	21.5
Selling, General & Administrative	61.79	59.16	50.8	42.75	39.92
Other Non-Interest Expense	26.84	18.12	22.16	26.86	31.86
Total Non-Interest Expense	185.13	178.49	176.56	169.18	174.67
EBT Excluding Unusual Items	94.91	119.67	103.92	123.54	21.23
Asset Writedown	-22.34	-25.03	-1.3	-	3.12
Other Unusual Items	-	-	-	-	60.27
Pretax Income	24.85	94.65	102.61	123.5	84.62
Income Tax Expense	14.58	18.75	21.27	25.17	17.27
Earnings From Continuing Operations	10.27	75.9	81.34	98.33	67.36
Net Income	10.27	75.9	81.34	98.33	67.36
Preferred Dividends & Other Adjustments	-	-	-	-	0.54
Net Income to Common	10.27	75.9	81.34	98.33	66.82
Net Income Growth	-86.47%	-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)	0.57%	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	58.69%	19.81%	20.73%	20.38%	20.40%

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