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	244.4	285.67	343.43	329.01	900.35
Investment Securities	909	335.23	417.34	737.19	383.64
Trading Asset Securities	26	21.46	27.26	26.64	13.03
Mortgage-Backed Securities	-	543.29	484.64	351.14	395.44
Total Investments	935	899.98	929.24	1,115	792.11
Gross Loans	3,774	3,593	3,889	4,346	4,829
Allowance for Loan Losses	-8.9	-12.5	-20.17	-20.04	-14.65
Net Loans	3,765	3,580	3,869	4,326	4,814
Property, Plant & Equipment	48	45.34	36.7	35.54	34.27
Goodwill	-	2.9	2.9	2.9	2.9
Other Intangible Assets	24	18.33	18.03	17.72	20.18
Investments in Real Estate	-	0.29	0.29	0.3	0.31
Accrued Interest Receivable	39	27.85	32.62	22.75	20.4
Other Receivables	5	47.71	95.53	34.97	37.96
Restricted Cash	34.2	-	-	-	-
Other Current Assets	-	4.8	5.57	5.48	3.6
Long-Term Deferred Tax Assets	7	6.83	4.76	6.48	4.78
Other Long-Term Assets	71	4.92	3.35	1.86	3.77
Total Assets	5,173	4,925	5,342	5,898	6,635
Accounts Payable	-	5.08	5.06	4.34	3.39
Accrued Expenses	54	32.42	28.59	25.73	24.6
Interest Bearing Deposits	3,760	542.51	3,595	4,182	4,070
Non-Interest Bearing Deposits	-	2,979	-	-	-
Total Deposits	3,760	3,521	3,595	4,182	4,070
Short-Term Borrowings	7	44.16	105.8	57.79	67.11
Current Portion of Long-Term Debt	154	300.28	-	-	-
Current Portion of Leases	-	4.7	4.3	3.5	3.09
Current Income Taxes Payable	-	2.22	3.42	2.71	4.27
Accrued Interest Payable	-	16.52	14.87	4.42	3.68
Other Current Liabilities	-	2.01	4.64	5.52	5.93
Long-Term Debt	723	580.51	1,159	1,224	2,040
Long-Term Leases	-	13.27	13.5	14.19	13.03
Long-Term Unearned Revenue	-	1.04	0.61	0.9	0.76
Pension & Post-Retirement Benefits	-	2.34	3.03	1.12	7.32
Long-Term Deferred Tax Liabilities	33	32.7	35.18	34.7	34.57
Other Long-Term Liabilities	56	30.25	33.52	20.24	24.78
Total Liabilities	4,787	4,589	5,006	5,581	6,303
Common Stock	42	42.03	42.03	42.03	42.03
Additional Paid-In Capital	33	32.74	32.74	32.74	32.74
Retained Earnings	234	221.72	210.44	195.86	196.87
Comprehensive Income & Other	77	39.46	50.1	46.4	60.27
Total Common Equity	386	335.95	335.31	317.02	331.91
Minority Interest	-	0.01	0.02	0.01	0.01
Shareholders' Equity	386	335.96	335.32	317.04	331.92
Total Liabilities & Equity	5,173	4,925	5,342	5,898	6,635
Total Debt	884	942.91	1,282	1,300	2,123
Net Cash (Debt)	-613.6	-605.83	-882.78	-911.73	-1,178
Net Cash Per Share	-39.70	-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	25.10	19.95	19.98	20.78	21.27
Tangible Book Value	362	314.72	314.38	296.4	308.82
Tangible Book Value Per Share	23.54	18.57	18.61	19.43	19.79

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