Ålandsbanken Abp Income Statement

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	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	151.73	155.93	204.09	195.1	84.53	69.39
Interest Paid on Deposits	57.08	60.78	99.94	95.44	16.31	7.16
Net Interest Income	94.65	95.15	104.15	99.65	68.22	62.23
Net Interest Income Growth (YoY)	-6.88%	-8.64%	4.51%	46.08%	9.62%	5.67%
Gain (Loss) on Sale of Assets	-	-	-	-	-	0.1
Gain (Loss) on Sale of Equity Investments	1.54	1.54	0.75	-0.54	0.53	0.53
Other Non-Interest Income	125.01	123.61	111.46	103.16	115.36	113.17
Total Non-Interest Income	126.55	125.15	112.2	102.62	115.89	113.8
Non-Interest Income Growth (YoY)	8.34%	11.54%	9.34%	-11.45%	1.84%	24.70%
Revenues Before Loan Losses	221.2	220.3	216.35	202.27	184.11	176.03
Provision for Loan Losses	1.85	1.45	4.01	2.16	6.21	4.91
Revenue	219.36	218.86	212.34	200.11	177.9	171.12
Revenue Growth (YoY)	2.00%	3.07%	6.11%	12.48%	3.96%	17.78%
Salaries and Employee Benefits	96.08	94.78	87.44	80.44	75.16	70.45
Occupancy Expenses	12.32	12.02	12.31	12.09	13.12	13.93
Selling, General & Administrative	5.59	5.59	4.75	8.18	8.07	3.42
Other Non-Interest Expense	39.26	39.26	42.83	37.57	35.38	33.79
Total Non-Interest Expense	153.25	151.65	147.32	138.28	131.73	121.59
EBT Excluding Unusual Items	66.1	67.2	65.02	61.83	46.18	49.53
Asset Writedown	-	-	-0	-0.09	-0.1	-0.33
Pretax Income	66.1	67.2	65.02	61.74	46.08	49.2
Income Tax Expense	12.02	12.62	12.77	13.07	9.31	9.35
Earnings From Continuing Operations	54.08	54.58	52.26	48.67	36.76	39.85
Minority Interest in Earnings	-	-	0	-0	-0	-0
Net Income	54.08	54.58	52.26	48.67	36.76	39.85
Net Income to Common	54.08	54.58	52.26	48.67	36.76	39.85
Net Income Growth	1.54%	4.45%	7.37%	32.40%	-7.75%	26.56%
Basic Shares Outstanding	15	15	15	15	16	16
Diluted Shares Outstanding	15	15	15	15	16	16
Shares Change (YoY)	0.04%	0.19%	0.56%	-1.26%	-0.40%	0.13%
EPS (Basic)	3.52	3.55	3.41	3.18	2.37	2.55
EPS (Diluted)	3.49	3.53	3.39	3.17	2.37	2.55
EPS Growth	1.15%	4.13%	6.94%	33.88%	-7.15%	26.24%
Dividend Per Share	2.750	2.750	2.400	2.400	1.600	1.550
Dividend Growth	14.58%	14.58%	-	50.00%	3.23%	55.00%
Effective Tax Rate	18.19%	18.78%	19.63%	21.17%	20.21%	19.00%

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