Financial Summary

Group Highlights

2020

2019

2018

2017

2016

INCOME STATEMENT IN BRIEF

Meuro

Meuro

Meuro

Meuro

Meuro

Net interest income

58.953.954,5 55,9 55,1

Net commission income

66.358,054,3 52,9 48.0

Other income

24.922,018,9 19,2 17.3

Total income

150.1133,9127,6 128,0 120.4

Staff costs

-62.9-57,0-57,1 -59,8 57.0

Other expenses

-42.7-40,5-40,7 -40,0 -34.3

Total expenses

105.6-97,5-97,8 -99,8 -91.3

Profit before loan losses

44.636,429,8 28,2 29.2

Impairment losses on loans and other commitments

-4.9-3,2-0,8 -2,1 4.1

Net operating profit

39.733,229,0 26,0 25.1

Income taxes

-8.2-6,9-6,1 -5,3 -5,4
Profit for the report period 31.526,322,9 20,7 19.7
Non-controlling interests 0,00,00,0 0,0 0,0
Shareholders in Bank of Åland Plc 31.526,322,9 20,7 19.7

VOLUMES

Lending to the public

4 378

4 1104 022 3 979 3 808

Deposits from the public

3 6053 3683 304 3 148 3 028

Actively managed assets

7 4366 3435 177 5 737 3 900

Equity capital

292258242 234 222

Total assets

6 0355 6075 558 5 352 5 137

Risk-weighted assets

1 6711 5831 578 1 538 1 576

FINANCIAL RATIOS

Return on equity after taxes. % /(ROE)

11.610,79,8 9,1 9.1

Expense/income ratio

0.700,730,77 0,78 0.76

Loan loss level, %

0.110.080.02 0.06 0.11
Core funding ratio. %9690908889

Equity/assets ratio. %

4.84,64,4 4.4 4.3

Core Tier 1 capital ratio. %

14.313,413,0 12,9 11.8

Number of employees
(total hours worked recalculated as full-time equivalents)

751700691 691 683
Earnings per share, EUR 2.021.691.48 1.35 1.29
Equity capital per share, EUR18.7616.6115.6715.1414.50
Dividend per share, EUR1.001.000.700.650.60