Financial Summary
Group Highlights |
2018 |
2017 |
2016 |
2015 |
2014 |
INCOME STATEMENT IN BRIEF |
Meuro |
Meuro |
Meuro |
Meuro |
Meuro |
Net interest income |
54,5 |
55,9 |
55,1 |
54,0 |
49,3 |
Net commission income |
50,6 |
49,7 |
44,9 |
46,2 |
46,2 |
Other income |
17,4 |
22,4 |
20,4 |
24,4 |
25,1 |
Total income |
127,6 |
128,0 |
120,4 |
124,9 |
120,6 |
Staff costs |
-57,1 |
-59,8 |
-57,0 |
-56,0 |
-53,1 |
Other expenses |
-33,4 |
-40,0 |
-34,3 |
-35,5 |
-43,3 |
Total expenses |
-97,8 |
-99,8 |
-91,3 |
-91,6 |
-96,4 |
Profit before loan losses |
29,8 |
28,2 |
29,2 |
33,3 |
24,2 |
Impairment losses on loans and other commitments |
-0,8 |
-2,1 |
-4,1 |
3,0 |
-1,8 |
Net operating profit |
29,0 |
26,0 |
25,1 |
30,3 |
22,4 |
Income taxes |
-6,1 |
-5,3 |
-5,4 |
-6,0 |
-4,8 |
| Profit for the report period | 22,9 |
20,7 |
19,7 |
24,3 |
17,6 |
| Non-controlling interests | 0,0 |
0,0 |
0,0 |
0 |
1,5 |
| Shareholders in Bank of Åland Plc | 22,9 |
20,7 |
19,7 |
24,3 |
16,1 |
VOLUMES |
|||||
Lending to the public |
4 022 |
3 979 |
3 808 |
3 617 |
3 343 |
Deposits from the public |
3 304 |
3 148 |
3 028 |
2 517 |
2 201 |
Actively managed assets |
5 177 |
5 737 |
3 900 |
3 927 |
3 696 |
Equity capital |
242 |
234 |
222 |
213 |
196 |
Total assets |
5 558 |
5 352 |
5 137 |
4 602 |
4 292 |
Risk-weighted assets |
1 578 |
1 538 |
1 576 |
1 581 |
1 554 |
FINANCIAL RATIOS |
|||||
Return on equity after taxes. % /(ROE) |
9,8 |
9,1 |
9,1 |
12,0 |
8,7 |
Expense/income ratio |
0,77 |
0,78 |
0,76 |
0,73 |
0,80 |
Loan loss level. % |
0,02 |
0,06 |
0,11 |
0,09 |
0,06 |
Core funding ratio. % |
90,0 |
88 |
89 |
100 |
105 |
Equity/assets ratio. % |
4,4 |
4,4 |
4,3 |
4,6 |
4,6 |
Core Tier 1 capital ratio. % |
13,0 |
12,9 |
11,8 |
12,0 |
10,9 |
Number of employees |
691 |
691 |
683 |
663 |
644 |