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Alisa Pankki (ALISA) investor relations material
Alisa Pankki Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary12 Aug, 2025
Executive summary
Operating environment remained challenging, with weak demand for financing and increased payment delays in both consumer and business segments.
Profit before non-recurring items and taxes was EUR -1.4 million, and profit before taxes was EUR -1.6 million for January–June 2025.
Loan portfolio decreased by 15% to EUR 126.9 million, and deposits fell by 24% to EUR 299.0 million compared to December 2024.
Business financing loan portfolio grew 1.8% in H1 2025, while personal customer loans declined due to strategic changes.
Capital adequacy ratio improved to 19.2%, exceeding regulatory requirements.
Financial highlights
Net interest income was EUR 6.6 million, down 7.9% year-over-year; total operating income was EUR 7.4 million.
Total operating costs increased to EUR 6.6 million, up 3% from the previous year.
Realized and expected credit losses totaled EUR 2.3 million, a decrease from EUR 3.2 million year-over-year.
Cost-to-income ratio rose to 90% (from 75% at end-2024), and ROE was -9.1%.
Earnings per share (EPS) was EUR -0.01 for the period.
Outlook and guidance
Profit warning issued in June 2025: profit before non-recurring items and taxes for 2025 is expected to decline from 2024.
Focus remains on growing business financing, cost adjustments, and developing BaaS partnerships.
Monthly profit before taxes and non-recurring items is expected to turn positive in the latter part of 2025.
Medium-term targets include 20% average annual income growth, ROE over 15% by 2027, cost-to-income ratio below 50%, and capital adequacy of 16%.
How will BaaS partnerships impact financing?
What drove the personal loan portfolio decrease?
What is the status of the cost adjustment program?
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Next Alisa Pankki earnings date
Q4 202513 Feb, 2026
Next Alisa Pankki earnings date
Q4 202513 Feb, 2026
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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.
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