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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.Q2 2025 earnings summary18 Jul, 2025
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.
Explain the increase in risk exposure amount.
Assess impact of lower market interest rates.
How will CRR3 affect capital requirements?
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Next Ålandsbanken earnings date
Q3 202524 Oct, 2025
Next Ålandsbanken earnings date
Q3 202524 Oct, 2025
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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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