Ålandsbanken Abp Balance Sheet

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

Millions EUR. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Cash & Equivalents	267.6	285.67	343.43	329.01	900.35	672.26
Investment Securities	834	335.23	417.34	737.19	383.64	352.39
Trading Asset Securities	24	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	858	899.98	929.24	1,115	792.11	846.16
Gross Loans	3,648	3,593	3,889	4,346	4,829	4,404
Allowance for Loan Losses	-8	-12.5	-20.17	-20.04	-14.65	-11.88
Net Loans	3,640	3,580	3,869	4,326	4,814	4,392
Property, Plant & Equipment	42	45.34	36.7	35.54	34.27	32.86
Goodwill	-	2.9	2.9	2.9	2.9	2.9
Other Intangible Assets	23	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	36	27.85	32.62	22.75	20.4	15.08
Other Receivables	5	47.71	95.53	34.97	37.96	39.52
Restricted Cash	29.9	-	-	-	-	-
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	94	4.92	3.35	1.86	3.77	2.6
Total Assets	5,003	4,925	5,342	5,898	6,635	6,035
Accounts Payable	-	5.08	5.06	4.34	3.39	1.84
Accrued Expenses	54	32.42	28.59	25.73	24.6	21.04
Interest Bearing Deposits	3,681	542.51	3,595	4,182	4,070	3,605
Non-Interest Bearing Deposits	-	2,979	-	-	-	-
Total Deposits	3,681	3,521	3,595	4,182	4,070	3,605
Short-Term Borrowings	4	44.16	105.8	57.79	67.11	73.18
Current Portion of Long-Term Debt	107	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	716	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	33	32.7	35.18	34.7	34.57	32.23
Other Long-Term Liabilities	69	30.25	33.52	20.24	24.78	28.23
Total Liabilities	4,664	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	221	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	339	335.95	335.31	317.02	331.91	292.36
Minority Interest	-	0.01	0.02	0.01	0.01	0.01
Shareholders' Equity	339	335.96	335.32	317.04	331.92	292.37
Total Liabilities & Equity	5,003	4,925	5,342	5,898	6,635	6,035
Total Debt	827	942.91	1,282	1,300	2,123	2,016
Net Cash (Debt)	-535.4	-605.83	-882.78	-911.73	-1,178	-1,290
Net Cash Per Share	-34.60	-39.27	-57.54	-58.68	-75.54	-82.79
Filing Date Shares Outstanding	15.38	15.37	15.31	15.25	15.6	15.59
Total Common Shares Outstanding	15.38	15.37	15.31	15.25	15.6	15.59
Book Value Per Share	20.16	19.95	19.98	20.78	21.27	18.76
Tangible Book Value	316	314.72	314.38	296.4	308.82	267.97
Tangible Book Value Per Share	18.66	18.57	18.61	19.43	19.79	17.19

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