Ålandsbanken Abp (HEL:ALBAV)

Ålandsbanken Abp Balance Sheet

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
Cash & Equivalents	240	285.67	343.43	329.01	900.35	672.26
Investment Securities	866	335.23	417.34	737.19	383.64	352.39
Trading Asset Securities	31	21.46	27.26	26.64	13.03	24.62
Mortgage-Backed Securities	-	543.29	484.64	351.14	395.44	469.15
Total Investments	897	899.98	929.24	1,115	792.11	846.16
Gross Loans	-	3,593	3,889	4,346	4,829	4,404
Allowance for Loan Losses	-	-12.5	-20.17	-20.04	-14.65	-11.88
Net Loans	-	3,580	3,869	4,326	4,814	4,392
Property, Plant & Equipment	44	45.34	36.7	35.54	34.27	32.86
Goodwill	-	2.9	2.9	2.9	2.9	2.9
Other Intangible Assets	22	18.33	18.03	17.72	20.18	21.49
Investments in Real Estate	-	0.29	0.29	0.3	0.31	0.31
Accrued Interest Receivable	34	27.85	32.62	22.75	20.4	15.08
Other Receivables	3	47.71	95.53	34.97	37.96	39.52
Other Current Assets	-	4.8	5.57	5.48	3.6	4.22
Long-Term Deferred Tax Assets	8	6.83	4.76	6.48	4.78	5.42
Other Long-Term Assets	31	4.92	3.35	1.86	3.77	2.6
Total Assets	4,903	4,925	5,342	5,898	6,635	6,035
Accounts Payable	-	5.08	5.06	4.34	3.39	1.84
Accrued Expenses	55	32.42	28.59	25.73	24.6	21.04
Interest Bearing Deposits	3,578	542.51	3,595	4,182	4,070	3,605
Non-Interest Bearing Deposits	-	2,979	-	-	-	-
Total Deposits	3,578	3,521	3,595	4,182	4,070	3,605
Short-Term Borrowings	7	44.16	105.8	57.79	67.11	73.18
Current Portion of Long-Term Debt	75	300.28	-	-	-	545.59
Current Portion of Leases	-	4.7	4.3	3.5	3.09	3.68
Current Income Taxes Payable	-	2.22	3.42	2.71	4.27	5.13
Accrued Interest Payable	-	16.52	14.87	4.42	3.68	4.29
Other Current Liabilities	-	2.01	4.64	5.52	5.93	13.87
Long-Term Debt	772	580.51	1,159	1,224	2,040	1,384
Long-Term Leases	-	13.27	13.5	14.19	13.03	10.17
Long-Term Unearned Revenue	-	1.04	0.61	0.9	0.76	1.37
Pension & Post-Retirement Benefits	-	2.34	3.03	1.12	7.32	13.17
Long-Term Deferred Tax Liabilities	31	32.7	35.18	34.7	34.57	32.23
Other Long-Term Liabilities	59	30.25	33.52	20.24	24.78	28.23
Total Liabilities	4,577	4,589	5,006	5,581	6,303	5,743
Common Stock	42	42.03	42.03	42.03	42.03	42.03
Additional Paid-In Capital	33	32.74	32.74	32.74	32.74	32.74
Retained Earnings	208	221.72	210.44	195.86	196.87	183.72
Comprehensive Income & Other	43	39.46	50.1	46.4	60.27	33.87
Total Common Equity	326	335.95	335.31	317.02	331.91	292.36
Minority Interest	-	0.01	0.02	0.01	0.01	0.01
Shareholders' Equity	326	335.96	335.32	317.04	331.92	292.37
Total Liabilities & Equity	4,903	4,925	5,342	5,898	6,635	6,035
Total Debt	854	942.91	1,282	1,300	2,123	2,016
Net Cash (Debt)	-583	-605.83	-882.78	-911.73	-1,178	-1,290
Net Cash Per Share	-37.87	-39.27	-57.54	-58.68	-75.54	-82.79
Filing Date Shares Outstanding	15.44	15.37	15.31	15.25	15.6	15.59
Total Common Shares Outstanding	15.44	15.37	15.31	15.25	15.6	15.59
Book Value Per Share	21.11	19.95	19.98	20.78	21.27	18.76
Tangible Book Value	304	314.72	314.38	296.4	308.82	267.97
Tangible Book Value Per Share	19.68	18.57	18.61	19.43	19.79	17.19

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