Ålandsbanken Abp Balance Sheet

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
Cash & Equivalents	244.32	285.67	343.43	329.01	900.35
Investment Securities	372.73	335.23	417.34	737.19	383.64
Trading Asset Securities	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	1,010	900.13	929.24	1,115	792.11
Gross Loans	3,774	3,593	3,889	4,346	4,829
Allowance for Loan Losses	-8.94	-12.5	-20.17	-20.04	-14.65
Net Loans	3,765	3,580	3,869	4,326	4,814
Property, Plant & Equipment	47.77	45.34	36.7	35.54	34.27
Goodwill	2.9	2.9	2.9	2.9	2.9
Other Intangible Assets	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	27.39	27.7	32.62	22.75	20.4
Other Receivables	35.47	47.71	95.53	34.97	37.96
Other Current Assets	6.98	4.8	5.57	5.48	3.6
Long-Term Deferred Tax Assets	7.39	6.83	4.76	6.48	4.78
Other Long-Term Assets	5.85	4.92	3.35	1.86	3.77
Total Assets	5,173	4,925	5,342	5,898	6,635
Accounts Payable	3.27	4.05	5.06	4.34	3.39
Accrued Expenses	35.93	32.4	28.59	25.73	24.6
Interest Bearing Deposits	442.18	3,521	3,595	4,182	4,070
Non-Interest Bearing Deposits	3,318	-	-	-	-
Total Deposits	3,760	3,521	3,595	4,182	4,070
Short-Term Borrowings	61.87	44.33	105.8	57.79	67.11
Current Portion of Long-Term Debt	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	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	33.42	32.7	35.18	34.7	34.57
Other Long-Term Liabilities	24.46	31.31	33.52	20.24	24.78
Total Liabilities	4,787	4,589	5,006	5,581	6,303
Common Stock	42.03	42.03	42.03	42.03	42.03
Additional Paid-In Capital	32.74	32.74	32.74	32.74	32.74
Retained Earnings	234.38	221.72	210.44	195.86	196.87
Comprehensive Income & Other	77.26	39.46	50.1	46.4	60.27
Total Common Equity	386.41	335.95	335.31	317.02	331.91
Minority Interest	0.02	0.01	0.02	0.01	0.01
Shareholders' Equity	386.42	335.96	335.32	317.04	331.92
Total Liabilities & Equity	5,173	4,925	5,342	5,898	6,635
Total Debt	905.81	943.09	1,282	1,300	2,123
Net Cash (Debt)	-601.94	-605.85	-882.78	-911.73	-1,178
Net Cash Per Share	-38.94	-39.27	-57.54	-58.68	-75.54
Filing Date Shares Outstanding	15.38	15.37	15.31	15.25	15.6
Total Common Shares Outstanding	15.38	15.37	15.31	15.25	15.6
Book Value Per Share	21.16	19.95	19.98	20.78	21.27
Tangible Book Value	362.82	314.72	314.38	296.4	308.82
Tangible Book Value Per Share	19.63	18.57	18.61	19.43	19.79

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