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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Alisa Pankki
Alisa Pankki (ALISA) investor relations material
Alisa Pankki Q2 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2026 earnings summary21 Jul, 2026
Executive summary
Focus shifted to SME financing, with invoice financing volumes up over 20% year-over-year and a 43% increase in the invoice financing loan portfolio to €42.1 million.
Retail banking business wind-down continued, reducing the retail loan portfolio by 28% since year start and 91% year-over-year.
CEO transition: Aki Gynther appointed CEO in June 2026, with other key management changes to support growth and risk management.
Partner network expanded, generating 46% more sales leads year-over-year.
Financial highlights
Net interest income fell 35% year-over-year to €4.3 million due to retail banking exit; total income was €4.7 million (down from €7.4 million).
Profit before non-recurring items and taxes was €-1.5 million (vs. €-1.4 million year-over-year); profit before taxes was €-1.8 million.
Operating expenses decreased 6% to €6.2 million, despite €0.3 million in non-recurring employment termination costs.
Net credit losses dropped 87% to €-0.3 million, and non-performing exposures fell 43% to €3.2 million.
Cost-to-income ratio rose to 133% (from 90% year-over-year).
ROE was -10.8% (vs. -9.1% year-over-year).
Outlook and guidance
Strategy remains focused on SME growth financing and partner network expansion.
Profit before non-recurring items and taxes expected to turn positive in the second half of 2026.
Medium-term targets: 20% average annual income growth, ROE >15% by 2027, cost-to-income ratio <50%, and capital adequacy ratio of 16%.
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Latest events from Alisa Pankki
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Next Alisa Pankki earnings date
Q4 202612 Feb, 2027
Alisa Pankki
Next Alisa Pankki earnings date
Q4 202612 Feb, 2027
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Frequently asked questions
Evli Bank Plc provides retail and corporate banking services through its subsidiary, Evli Pankki Oyj. As from 1 July 2013, Evli Pankki is a wholly owned subsidiary of Fellow Bank Plc. The responsibility for Evli’s liabilities arising before 1 July 2013 has been assumed by Evli Bank Plc. Carl Ahlström, Henrik Andersin, Roger Kempe and Thomas Thesleff established Evli Securities Ltd in 1985. Evli grew rapidly between 1980 and 1990, and had established its position by the early 2000s. In 2005 and 2006, Evli changed its strategy, with the aim of focusing its business operations especially on providing individual asset management services to its key client groups.