Financial Summary
Group Highlights |
2016 |
2015 |
2014 |
2013 |
2012 |
INCOME STATEMENT IN BRIEF |
Meuro |
Meuro |
Meuro |
Meuro |
Meuro |
Net interest income |
55.1 |
54.0 |
49.3 |
42.4 |
41.2 |
Net commission income |
44.9 |
46.2 |
46.2 |
42.4 |
32.7 |
Other income |
20.4 |
24.4 |
25.1 |
23.1 |
22.6 |
Nonrecurring items |
0.0 |
0.0 |
0.0 |
0.0 |
13.9 |
Total income |
120.4 |
124.9 |
120.6 |
108,0 |
110.4 |
Staff costs |
-57.0 |
-56.0 |
-52.5 |
-51.1 |
-51.2 |
Other expenses |
-33.8 |
-35.5 |
-42.9 |
-40.4 |
-41.7 |
Nonrecurring items |
-0.5 |
0.0 |
-1.0 |
-2.0 |
-1.1 |
Total expenses |
-91.3 |
-91.6 |
-96.4 |
-93.5 |
-94.1 |
Profit before loan losses |
29.2 |
33.3 |
24.2 |
14.5 |
16.3 |
Impairment losses on loans and other commitments |
-4.1 |
3.0 |
-1.8 |
-4.1 |
-6.4 |
Net operating profit |
25.1 | 30.3 |
22.4 |
10.4 |
9.9 |
Income taxes |
-5.4 |
-6.0 |
-4.8 |
-2.7 |
2.0 |
Profit for the report period |
19.7 |
24.3 |
17.6 |
7.7 |
11.9 |
Non-controlling interests |
0.0 |
0.0 |
1.5 |
1.0 |
0.6 |
Shareholders in Bank of Åland Plc |
19.7 |
24.3 |
16.1 |
6.7 |
11.3 |
VOLUMES |
|||||
Lending to the public |
3,808 |
3,617 |
3,343 |
3,104 |
2,905 |
Deposits from the public |
3,100 |
2,675 |
2,391 |
2,460 |
2,442 |
Actively managed assets |
3,900 |
3,927 |
3,696 |
3,231 |
3,219 |
Equity capital |
222 |
213 |
196 |
184 |
179 |
Total assets |
5,137 |
4,602 |
4,292 |
3,887 |
3,633 |
Risk-weighted assets |
1,576 |
1,581 |
1,554 |
1,475 |
1,401 |
FINANCIAL RATIOS |
|||||
Return on equity after taxes. % /(ROE) |
9.1 |
12.0 |
8.7 |
3.8 |
6.6 |
Expense/income ratio |
0.76 |
0.73 |
0.80 |
0.87 |
0.85 |
Loan loss level. % |
0.11 |
0.09 |
0.06 |
0.14 |
0.22 |
Core funding ratio. % |
89 |
100 |
105 |
103 |
103 |
Equity/assets ratio. % |
4.3 |
4.6 |
4.6 |
4.7 |
4.9 |
Core Tier 1 capital ratio. % |
11.8 |
12.0 |
10.9 |
10.8 |
10.9 |
Number of employees |
683 |
663 |
644 |
617 |
640 |