Financial institution of Åland Plc
Monetary Assertion Launch
February 4, 2026, 9.00 EET
12 months-end Report for the interval January–December 2025
File outcomes and strong development
“The yr 2025 was essentially the most profitable yr financially within the historical past of the Financial institution of Åland. Revenue amounted to EUR 67.2 million (65.0), whereas we additionally maintained strong development.
“Throughout the yr, our deposits grew by 7 per cent to EUR 3,760 million and our lending by 5 per cent to EUR 3,762 million. Our actively managed buyer belongings rose by 14 per cent, for the primary time exceeding the EUR 12 billion mark and on the finish of the yr amounted to EUR 12,119 billion. Throughout the yr, we had a robust internet movement of recent buyer belongings, EUR 708 million.
“When it comes to earnings, our internet curiosity earnings decreased to EUR 95.2 million (104.1) as was anticipated because of falling market rates of interest. What was stunning on the optimistic aspect was that we succeeded in elevating our internet fee earnings by 12 p.c to EUR 85.7 million (76.4), which compensated for the lowering internet curiosity earnings. The web fee earnings benefited from elevated exercise within the inventory markets. Bills developed in step with our planning.
“The Financial institution of Åland has a robust liquidity and capital place, and we additionally proceed to see excellent numbers in our buyer satisfaction surveys. Altogether, these create sturdy circumstances for our motivated staff to create continued development.
“For 2025, we generated a return on fairness of 17.8 per cent. Our ambition for 2026 as properly is to create a return on fairness that exceeds our long-term monetary targets of 15 per cent.”
Peter Wiklöf, Managing Director and Chief Government
January-December 2025 in comparison with January−December 2024
- Web working revenue elevated by 3 per cent and amounted to EUR 67.2 M (65.0).
- Core earnings consisting of internet curiosity earnings, internet fee earnings and IT earnings remained at an unchanged degree EUR 214.7 M (215.6).
- Different earnings elevated to EUR 5.6 M (0.7).
- Complete bills elevated by 3 per cent to EUR 151.7 M (147.3).
- Web impairment losses on monetary belongings (together with recoveries) totalled EUR 1.4 M (4.0), equal to a mortgage loss degree of 0.04 per cent (0.10).
- Return on fairness after taxes (ROE) decreased to 17.8 per cent (17.9).
- Earnings per share elevated by 4 per cent to EUR 3.55 (3.41).
- The frequent fairness Tier 1 capital ratio decreased to 12.7 per cent (14.5 on December 31, 2024).
- Dividend: The Board of Administrators will suggest a dividend of EUR 2.75 (2.75) per share for the 2025 monetary yr. Moreover, the Board of Administrators intends to suggest a semi-annual dividend from monetary yr 2026 onwards, equivalent to a most of fifty per cent of the revenue for the primary six months of the monetary yr.
- Unchanged future outlook: The Financial institution of Åland expects its return on fairness after taxes (ROE) to proceed to exceed its long-term monetary goal of 15 per cent throughout 2025.
The fourth quarter of 2025 in comparison with the fourth quarter 2024
- Web working revenue elevated by 6 per cent and amounted to EUR 16.2 M (15.3).
- Core earnings within the type of internet curiosity earnings, internet fee earnings and IT earnings elevated by 2 per cent to EUR 55.6 M (54.5).
- Different earnings elevated to EUR 0.8 M (−0.4).
- Complete bills elevated by 5 per cent to EUR 39.4 M (37.3).
- Web impairment losses on monetary belongings (together with recoveries) decreased to EUR 0.8 M (1.5), equal to a mortgage loss degree of 0.08 per cent (0.18).
- Return on fairness after taxes (ROE) decreased to 16.2 per cent (16.4).
- Earnings per share elevated by 5 per cent to EUR 0.84 (0.80).
Monetary overview
| Group | This autumn 2025 |
Q3 2025 |
% | This autumn 2024 |
% | Jan-Dec 2025 | Jan-Dec 2024 | % |
| EUR M | ||||||||
| Revenue | ||||||||
| Web curiosity earnings | 23.7 | 23.6 | 0 | 25.2 | -6 | 95.2 | 104.1 | -9 |
| Web fee earnings | 23.0 | 20.1 | 14 | 19.9 | 16 | 85.7 | 76.4 | 12 |
| IT earnings | 8.9 | 7.4 | 20 | 9.4 | -5 | 33.8 | 35.1 | -4 |
| Different earnings | 0.8 | 0.8 | -5 | -0.4 | 5.6 | 0.7 | ||
| Complete earnings | 56.4 | 52.0 | 9 | 54.1 | 4 | 220.3 | 216.4 | 2 |
| Workers prices | -25.1 | -22.5 | 12 | -22.1 | 13 | -95.7 | -87.9 | 9 |
| Different bills | -11.2 | -10.3 | 8 | -12.4 | -10 | -43.9 | -47.1 | -7 |
| Depreciation/amortisation | -3.1 | -3.0 | 3 | -2.8 | 9 | -12.0 | -12.3 | -2 |
| Complete bills | -39.4 | -35.8 | 10 | -37.3 | 5 | -151.7 | -147.3 | 3 |
| Revenue earlier than impairment losses | 17.0 | 16.2 | 5 | 16.8 | 1 | 68.6 | 69.0 | -1 |
| Impairment losses on monetary belongings, internet | -0.8 | 0.1 | -1.5 | -46 | -1.4 | -4.0 | -64 | |
| Web working revenue | 16.2 | 16.3 | -1 | 15.3 | 6 | 67.2 | 65.0 | 3 |
| Revenue taxes | -3.3 | -3.3 | 0 | -2.9 | 12 | -12.6 | -12.8 | -1 |
| Revenue for the interval | 12.9 | 13.1 | -1 | 12.4 | 5 | 54.6 | 52.3 | 4 |
| Quantity | ||||||||
| Lending to the general public | 3,762 | 3,637 | 3 | 3,576 | 5 | |||
| Deposits from the general public | 3,760 | 3,681 | 2 | 3,521 | 7 | |||
| Actively managed belongings | 12,119 | 11,448 | 6 | 10,616 | 14 | |||
| Managed mortage loans | 3,593 | 3,448 | 4 | 3,080 | 17 | |||
| Fairness capital | 386 | 339 | 14 | 336 | 15 | |||
| Stability sheet complete | 5,173 | 5,003 | 3 | 4,925 | 5 | |||
| Danger publicity quantity | 1,888 | 1,835 | 3 | 1,643 | 15 |
The Financial institution of Åland (Ålandsbanken) follows the disclosure process stipulated in “Disclosure obligation of the issuer (6/2016)”, printed by the Finnish Monetary Supervisory Authority and hereby publishes its 12 months-end Report for the interval January – december 2025, which is enclosed with this inventory trade launch. The Financial institution`s 12 months-end Report for the interval January – december 2025 is hooked up to this launch in PDF format and can also be obtainable on the corporate’s website at https://belongings.alandsbanken.com/pdf/end result/en_resultat_jan-dec_25.pdf
For extra info please contact:
Peter Wiklöf, Managing Director and Chief Government, Financial institution of Åland, tel. + 358 (0)40 512 7505
- alandsbanken_en_resultat_jan-dec_25
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