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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.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.
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