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Ålandsbanken
Ålandsbanken (ALBAV) investor relations material
Ålandsbanken Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Feb, 2026
Executive summary
Achieved record net operating profit of EUR 67.2M for 2025, up 3% year-over-year, marking the most successful year in the bank's history.
Deposits grew by 7% to EUR 3,760M, lending increased by 5% to EUR 3,762M, and actively managed customer assets rose 14% to EUR 12,119M.
Net interest income declined 9% to EUR 95.2M due to lower market rates, but net commission income rose 12% to EUR 85.7M, offsetting the decline.
Return on equity after taxes (ROE) was 17.8%, exceeding the long-term target of 15%.
Board proposes a dividend of EUR 2.75 per share and plans to introduce semi-annual dividends from 2026.
Financial highlights
Core income (net interest, commission, IT) was stable at EUR 214.7M.
Other income increased to EUR 5.6M from EUR 0.7M, driven by revaluation gains and one-time items.
Total expenses rose 3% to EUR 151.7M, mainly due to higher staff costs.
Net impairment losses on financial assets fell to EUR 1.4M, with a loan loss level of 0.04%.
Earnings per share increased 4% to EUR 3.55.
Outlook and guidance
Expects ROE to continue exceeding the 15% long-term target in 2026.
Outlook remains positive but notes uncertainty due to geopolitical risks and market volatility.
CET1 ratio: What are the implications of the new CRR3?
NCI growth: Is it sustainable given market dependency?
Scope 3 emissions: How to manage the reported increase?
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Next Ålandsbanken earnings date
Q1 202628 Apr, 2026
Ålandsbanken
Next Ålandsbanken earnings date
Q1 202628 Apr, 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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