Financial Summary
Group Highlights |
2018 |
2017 |
2016 |
2015 |
2014 |
INCOME STATEMENT IN BRIEF |
Meuro |
Meuro |
Meuro |
Meuro |
Meuro |
Net interest income |
53,9 | 54,5 | 55,9 | 55,1 | 54,0 |
Net commission income |
58,0 | 54,3 | 52,9 | 48,0 | 50,1 |
Other income |
22,0 | 18,9 | 19,2 | 17,3 | 20,8 |
Total income |
133,9 | 127,6 | 128,0 | 120,4 | 124,9 |
Staff costs |
-57,0 | -57,1 | -59,8 | -57,0 | -56,0 |
Other expenses |
-40,5 | -40,7 | -40,0 | -34,3 | -35,5 |
Total expenses |
-97,5 | -97,8 | -99,8 | -91,3 | -91,6 |
Profit before loan losses |
36,4 | 29,8 | 28,2 | 29,2 | 33,3 |
Impairment losses on loans and other commitments |
-3,2 | -0,8 | -2,1 | -4,1 | -3,0 |
Net operating profit |
33,2 | 29,0 | 26,0 | 25,1 | 30,3 |
Income taxes |
-6,9 | -6,1 | -5,3 | -5,4 | -6,0 |
| Profit for the report period | 26,3 | 22,9 | 20,7 | 19,7 | 24,3 |
| Non-controlling interests | 0,0 | 0,0 | 0,0 | 0,0 | 0,0 |
| Shareholders in Bank of Åland Plc | 26,3 | 22,9 | 20,7 | 19,7 | 24,3 |
VOLUMES |
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Lending to the public |
4 110 | 4 022 | 3 979 | 3 808 | 3 617 |
Deposits from the public |
3 368 | 3 304 | 3 148 | 3 028 | 2 517 |
Actively managed assets |
6 343 | 5 177 | 5 737 | 3 900 | 3 927 |
Equity capital |
258 | 242 | 234 | 222 | 213 |
Total assets |
5 607 | 5 558 | 5 352 | 5 137 | 4 602 |
Risk-weighted assets |
1 583 | 1 578 | 1 538 | 1 576 | 1 581 |
FINANCIAL RATIOS |
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Return on equity after taxes. % /(ROE) |
10,7 | 9,8 | 9,1 | 9,1 | 12,0 |
Expense/income ratio |
0,73 | 0,77 | 0,78 | 0,76 | 0,73 |
Loan loss level. % |
0,08 | 0,02 | 0,06 | 0,11 | 0,09 |
Core funding ratio. % |
90,0 | 90,0 | 87,9 | 88,7 | 99,5 |
Equity/assets ratio. % |
4,6 | 4,4 | 4,4 | 4,3 | 4,6 |
Core Tier 1 capital ratio. % |
13,4 | 13,0 | 12,9 | 11,8 | 12,0 |
Number of employees |
700 | 691 | 691 | 683 | 663 |