Financial Summary
Group Highlights |
2020 |
2019 |
2018 |
2017 |
2016 |
INCOME STATEMENT IN BRIEF |
Meuro |
Meuro |
Meuro |
Meuro |
Meuro |
Net interest income |
58.9 | 53.9 | 54,5 | 55,9 | 55,1 |
Net commission income |
66.3 | 58,0 | 54,3 | 52,9 | 48.0 |
Other income |
24.9 | 22,0 | 18,9 | 19,2 | 17.3 |
Total income |
150.1 | 133,9 | 127,6 | 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 |
44.6 | 36,4 | 29,8 | 28,2 | 29.2 |
Impairment losses on loans and other commitments |
-4.9 | -3,2 | -0,8 | -2,1 | 4.1 |
Net operating profit |
39.7 | 33,2 | 29,0 | 26,0 | 25.1 |
Income taxes |
-8.2 | -6,9 | -6,1 | -5,3 | -5,4 |
| Profit for the report period | 31.5 | 26,3 | 22,9 | 20,7 | 19.7 |
| Non-controlling interests | 0,0 | 0,0 | 0,0 | 0,0 | 0,0 |
| Shareholders in Bank of Åland Plc | 31.5 | 26,3 | 22,9 | 20,7 | 19.7 |
VOLUMES |
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Lending to the public |
4 378 | 4 110 | 4 022 | 3 979 | 3 808 |
Deposits from the public |
3 605 | 3 368 | 3 304 | 3 148 | 3 028 |
Actively managed assets |
7 436 | 6 343 | 5 177 | 5 737 | 3 900 |
Equity capital |
292 | 258 | 242 | 234 | 222 |
Total assets |
6 035 | 5 607 | 5 558 | 5 352 | 5 137 |
Risk-weighted assets |
1 671 | 1 583 | 1 578 | 1 538 | 1 576 |
FINANCIAL RATIOS |
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Return on equity after taxes. % /(ROE) |
11.6 | 10,7 | 9,8 | 9,1 | 9.1 |
Expense/income ratio |
0.70 | 0,73 | 0,77 | 0,78 | 0.76 |
Loan loss level, % |
0.11 | 0.08 | 0.02 | 0.06 | 0.11 |
| Core funding ratio. % | 96 | 90 | 90 | 88 | 89 |
Equity/assets ratio. % |
4.8 | 4,6 | 4,4 | 4.4 | 4.3 |
Core Tier 1 capital ratio. % |
14.3 | 13,4 | 13,0 | 12,9 | 11.8 |
Number of employees |
751 | 700 | 691 | 691 | 683 |
| Earnings per share, EUR | 2.02 | 1.69 | 1.48 | 1.35 | 1.29 |
| Equity capital per share, EUR | 18.76 | 16.61 | 15.67 | 15.14 | 14.50 |
| Dividend per share, EUR | 1.00 | 1.00 | 0.70 | 0.65 | 0.60 |