Ålandsbanken Abp 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	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	95.15	104.15	99.65	68.22	62.23
Net Interest Income Growth (YoY)	-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	0.75	-0.54	0.53	0.53
Other Non-Interest Income	123.61	111.46	103.16	115.36	113.17
Total Non-Interest Income	125.15	112.2	102.62	115.89	113.8
Non-Interest Income Growth (YoY)	11.54%	9.34%	-11.45%	1.84%	24.70%
Revenues Before Loan Losses	220.3	216.35	202.27	184.11	176.03
Provision for Loan Losses	1.45	4.01	2.16	6.21	4.91
Revenue	218.86	212.34	200.11	177.9	171.12
Revenue Growth (YoY)	3.07%	6.11%	12.48%	3.96%	17.78%
Salaries and Employee Benefits	94.78	87.44	80.44	75.16	70.45
Occupancy Expenses	12.02	12.31	12.09	13.12	13.93
Selling, General & Administrative	5.59	4.75	8.18	8.07	3.42
Other Non-Interest Expense	39.26	42.83	37.57	35.38	33.79
Total Non-Interest Expense	151.65	147.32	138.28	131.73	121.59
EBT Excluding Unusual Items	67.2	65.02	61.83	46.18	49.53
Asset Writedown	-	-0	-0.09	-0.1	-0.33
Pretax Income	67.2	65.02	61.74	46.08	49.2
Income Tax Expense	12.62	12.77	13.07	9.31	9.35
Earnings From Continuing Operations	54.58	52.26	48.67	36.76	39.85
Minority Interest in Earnings	-	0	-0	-0	-0
Net Income	54.58	52.26	48.67	36.76	39.85
Net Income to Common	54.58	52.26	48.67	36.76	39.85
Net Income Growth	4.45%	7.37%	32.40%	-7.75%	26.56%
Basic Shares Outstanding	15	15	15	16	16
Diluted Shares Outstanding	15	15	15	16	16
Shares Change (YoY)	0.19%	0.56%	-1.26%	-0.40%	0.13%
EPS (Basic)	3.55	3.41	3.18	2.37	2.55
EPS (Diluted)	3.53	3.39	3.17	2.37	2.55
EPS Growth	4.13%	6.94%	33.88%	-7.15%	26.24%
Dividend Per Share	2.750	2.400	2.400	1.600	1.550
Dividend Growth	14.58%	-	50.00%	3.23%	55.00%
Effective Tax Rate	18.78%	19.63%	21.17%	20.21%	19.00%

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