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	Sep '26 Sep 30, 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	-	155.93	204.09	195.1	84.53	69.39
Interest Paid on Deposits	-	60.78	99.94	95.44	16.31	7.16
Net Interest Income	93.85	95.15	104.15	99.65	68.22	62.23
Net Interest Income Growth	-3.00%	-8.64%	4.51%	46.08%	9.62%	5.67%
Gain (Loss) on Sale of Assets	-	-	-	-	-	0.1
Gain (Loss) on Sale of Investments	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	124.31	123.61	111.46	103.16	115.36	113.17
Total Non-Interest Income	125.95	125.15	112.2	102.62	115.89	113.8
Non-Interest Income Growth	3.66%	11.54%	9.34%	-11.45%	1.84%	24.70%
Revenues Before Loan Losses	219.8	220.3	216.35	202.27	184.11	176.03
Provision for Loan Losses	0.85	1.45	4.01	2.16	6.21	4.91
Revenue	218.96	218.86	212.34	200.11	177.9	171.12
Revenue Growth	1.30%	3.07%	6.11%	12.48%	3.96%	17.78%
Salaries and Employee Benefits	98.08	94.78	87.44	80.44	75.16	70.45
Occupancy Expenses	12.92	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	40.56	39.26	42.83	37.57	35.38	33.79
Total Non-Interest Expense	157.15	151.65	147.32	138.28	131.73	121.59
EBT Excluding Unusual Items	61.8	67.2	65.02	61.83	46.18	49.53
Asset Writedown	-	-	-0	-0.09	-0.1	-0.33
Pretax Income	61.8	67.2	65.02	61.74	46.08	49.2
Income Tax Expense	12.52	12.62	12.77	13.07	9.31	9.35
Earnings From Continuing Operations	49.28	54.58	52.26	48.67	36.76	39.85
Minority Interest in Earnings	-	-	0	-0	-0	-0
Net Income	49.28	54.58	52.26	48.67	36.76	39.85
Net Income to Common	49.28	54.58	52.26	48.67	36.76	39.85
Net Income Growth	-8.67%	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	-0.15%	0.19%	0.56%	-1.26%	-0.40%	0.13%
EPS (Basic)	3.20	3.55	3.41	3.18	2.37	2.55
EPS (Diluted)	3.19	3.53	3.39	3.17	2.37	2.55
EPS Growth	-8.60%	4.13%	6.94%	33.88%	-7.15%	26.24%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 30, 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
Dividend Per Share	3.500	2.750	2.400	2.400	1.600	1.550
Dividend Growth	45.83%	14.58%	0%	50.00%	3.23%	55.00%
Effective Tax Rate	20.26%	18.78%	19.63%	21.17%	20.21%	19.00%