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Ålandsbanken (ALBAV) investor relations material
Ålandsbanken Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary24 Oct, 2025
Executive summary
Net operating profit for January–September 2025 reached a record EUR 51.0M, up 2% year-over-year, with profit for the period attributable to shareholders rising 4% to EUR 41.6M.
Return on equity after taxes (ROE) remained strong at 18.4%, exceeding the long-term target of 15%.
Lending, deposits, and actively managed assets all grew, with managed assets reaching a new high of EUR 11,448M.
Financial highlights
Core income (net interest, commission, IT) decreased 1% to EUR 159.1M; net interest income fell 9% to EUR 71.5M, while net commission income rose 11% to EUR 62.7M.
Other income increased to EUR 4.8M from EUR 1.1M, driven by revaluation of financial assets and one-time gains.
Total expenses rose 2% to EUR 112.3M, mainly due to higher staff costs.
Net impairment losses on financial assets were EUR 0.6M, with a loan loss level of 0.02%.
Earnings per share increased 4% to EUR 2.71.
Outlook and guidance
The outlook remains unchanged: ROE is expected to continue exceeding the 15% long-term target in 2025.
Explain CET1 capital deduction increase
Detail one-time gains in other income
Address Premium Banking & IT segment underperformance
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Next Ålandsbanken earnings date
Q4 20254 Feb, 2026
Next Ålandsbanken earnings date
Q4 20254 Feb, 2026
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Frequently asked questions
Ålandsbanken Abp, also known as the Bank of Åland, operates as a commercial bank primarily serving private individuals and companies in Finland and Sweden. The bank offers a range of deposit products including savings accounts, time deposits, and certificates of deposit. It provides various loan products such as home loans, personal loans, and corporate loans for different industries. Additionally, Ålandsbanken Abp offers investment services which include discretionary asset management, advisory asset management, mutual fund management, and securities brokerage services. The bank also provides treasury products, bank safety deposit boxes, and credit and debit card services. Moreover, it supplies IT services and banking computer systems for small and medium-sized banks. The company is headquartered in Mariehamn, Finland, and its shares are listed on the Helsinki Stock Exchange.
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