Ålandsbanken Abp (HEL:ALBAV)

Ålandsbanken Abp Balance Sheet

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

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	253.1	244.32	285.67	343.43	329.01	900.35
Investment Securities	735	372.73	335.23	417.34	737.19	383.64
Trading Asset Securities	21	25.71	21.61	27.26	26.64	13.03
Mortgage-Backed Securities	-	611.15	543.29	484.64	351.14	395.44
Total Investments	756	1,010	900.13	929.24	1,115	792.11
Gross Loans	3,856	3,774	3,593	3,889	4,346	4,829
Allowance for Loan Losses	-8.2	-8.94	-12.5	-20.17	-20.04	-14.65
Net Loans	3,848	3,765	3,580	3,869	4,326	4,814
Property, Plant & Equipment	49	47.77	45.34	36.7	35.54	34.27
Goodwill	-	2.9	2.9	2.9	2.9	2.9
Other Intangible Assets	24	20.69	18.33	18.03	17.72	20.18
Investments in Real Estate	-	0.28	0.29	0.29	0.3	0.31
Accrued Interest Receivable	42	27.39	27.7	32.62	22.75	20.4
Other Receivables	7	35.47	47.71	95.53	34.97	37.96
Restricted Cash	33.2	-	-	-	-	-
Other Current Assets	-	6.98	4.8	5.57	5.48	3.6
Long-Term Deferred Tax Assets	10	7.39	6.83	4.76	6.48	4.78
Other Long-Term Assets	72	5.85	4.92	3.35	1.86	3.77
Total Assets	5,094	5,173	4,925	5,342	5,898	6,635

Liabilities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Accounts Payable	-	3.27	4.05	5.06	4.34	3.39
Accrued Expenses	53	35.93	32.4	28.59	25.73	24.6
Interest Bearing Deposits	3,517	442.18	3,521	3,595	4,182	4,070
Non-Interest Bearing Deposits	-	3,318	-	-	-	-
Total Deposits	3,517	3,760	3,521	3,595	4,182	4,070
Short-Term Borrowings	26	61.87	44.33	105.8	57.79	67.11
Current Portion of Long-Term Debt	165	488.98	-	-	-	-
Current Portion of Leases	-	4.74	4.7	4.3	3.5	3.09
Current Income Taxes Payable	-	0.04	2.22	3.42	2.71	4.27
Accrued Interest Payable	-	15.22	16.35	14.87	4.42	3.68
Other Current Liabilities	-	5.63	2.01	4.64	5.52	5.93
Long-Term Debt	911	334.17	880.79	1,159	1,224	2,040
Long-Term Leases	-	16.05	13.27	13.5	14.19	13.03
Long-Term Unearned Revenue	-	1.12	1.04	0.61	0.9	0.76
Pension & Post-Retirement Benefits	-	1.71	2.34	3.03	1.12	7.32
Long-Term Deferred Tax Liabilities	34	33.42	32.7	35.18	34.7	34.57
Other Long-Term Liabilities	62	24.46	31.31	33.52	20.24	24.78
Total Liabilities	4,768	4,787	4,589	5,006	5,581	6,303

Shareholders' Equity

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
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	213	234.38	221.72	210.44	195.86	196.87
Comprehensive Income & Other	38	77.26	39.46	50.1	46.4	60.27
Total Common Equity	326	386.41	335.95	335.31	317.02	331.91
Minority Interest	-	0.02	0.01	0.02	0.01	0.01
Shareholders' Equity	326	386.42	335.96	335.32	317.04	331.92
Total Liabilities & Equity	5,094	5,173	4,925	5,342	5,898	6,635

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	1,102	905.81	943.09	1,282	1,300	2,123
Net Cash (Debt)	-827.9	-601.94	-605.85	-882.78	-911.73	-1,178
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share	-53.59	-38.94	-39.27	-57.54	-58.68	-75.54
Filing Date Shares Outstanding	15.43	15.38	15.37	15.31	15.25	15.6
Total Common Shares Outstanding	15.43	15.38	15.37	15.31	15.25	15.6
Book Value Per Share	19.05	21.16	19.95	19.98	20.78	21.27
Tangible Book Value	302	362.82	314.72	314.38	296.4	308.82
Tangible Book Value Per Share	17.50	19.63	18.57	18.61	19.43	19.79

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Oct 28, 2026

Data Sources Report a data error