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Ålandsbanken (ALBAV) investor relations material
Ålandsbanken Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net operating profit for January–June 2025 reached EUR 34.7M, up 7% year-over-year, marking a record first-half result.
Return on equity after taxes (ROE) rose to 19.2% from 18.2% year-over-year.
Earnings per share increased by 9% to EUR 1.86 compared to the same period last year.
Actively managed assets surpassed EUR 11B for the first time, driven by a net inflow of EUR 328M in Q2.
Moody’s upgraded the outlook to positive, affirming long-term deposit ratings at A3.
Financial highlights
Core income (net interest, commission, IT) for H1 2025 was EUR 107.9M, nearly unchanged year-over-year.
Net interest income fell 9% to EUR 47.9M, offset by a 13% rise in net commission income to EUR 42.6M.
Other income rose to EUR 4.0M from EUR 0.7M, mainly due to revaluation of financial assets and one-time gains.
Total expenses increased by 2% to EUR 76.5M, mainly from higher staff costs.
Net impairment losses on financial assets dropped to EUR 0.7M, with a loan loss level of 0.04%.
Outlook and guidance
The bank expects ROE after taxes to continue exceeding its long-term target of 15% for 2025.
Lending activity is expected to increase in the second half of the year as market interest rates have halved since their peak.
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