Revenue

Ålandsbanken's revenue growth in the last quarter has been driven by a significant increase in core income, primarily due to a 4% rise in net interest income. This uptick can be attributed to the bank's efforts to optimize its lending and deposit strategies, which have led to a more efficient allocation of resources. Additionally, the bank's IT segment has shown improved results, contributing to the overall revenue growth. However, the bank's other income has been negatively impacted by a weak quarter in terms of earnings at an associated company, highlighting the importance of managing external factors. Looking ahead, Ålandsbanken's expectations for the second half of the year remain high, driven by ongoing business discussions with new and existing customers across all business areas.

The realised revenue for Q2 2026 is 52.9 million Euros, and the predicted revenue for Q2 2027 (e) is also 52.9 million Euros. The revenue is expected to remain the same in one year, resulting in no change in millions, and a 0% change in percentage. The revenue is expected to decrease by 1.1 million Euros from 2025 to 2026, which is a 0.5% change. From 2026 to 2027, the revenue is expected to decrease by 3.4 million Euros, which is a 1.6% change. The annual revenue values are 220.3 million Euros in 2025, 218.2 million Euros in 2026, and 214.8 million Euros in 2027.

Ebit

Ålandsbanken's EBIT profitability has shown a mixed trend, with a slight decline in the first half of the year compared to the same period last year. This development can be attributed to the bank's increased expenses, which have risen by 5% year-over-year, partly due to higher operating costs and investments in new business areas. On the other hand, Ålandsbanken's core income, comprising net interest income, net commission income, and IT income, has increased by 2% year-over-year, indicating a stable underlying business performance. However, the bank's other income has been negatively impacted by a weak quarter in terms of earnings at an associated company, resulting in a significant decline. Despite these challenges, Ålandsbanken's management remains optimistic about the second half of the year, citing ongoing business discussions with new and existing customers across various business areas.

The realised Ebit for Q2 2026 is 12.1 million Euros, while the predicted Ebit for Q2 2027 (e) is 16.8 million Euros. The expected change in Ebit from Q2 2026 to Q2 2027 (e) is 4.7 million Euros, which represents a 38.9% increase. The Ebit is expected to decrease by 6.2 million Euros from 2025 to 2026, which is a 9.0% decrease. From 2026 to 2027, the Ebit is expected to increase by 4.6 million Euros, which is a 7.4% increase. The annual Ebit values are 68.6 million Euros in 2025, 62.4 million Euros in 2026, and 66.0 million Euros in 2027.

Profit befor tax

The realised profit before tax in Q2 2026 is 12.7 million Euros, and the predicted profit before tax in Q2 2027 (e) is 16.8 million Euros. The expected change in profit before tax from Q2 2026 to Q2 2027 (e) is an increase of 4.1 million Euros, which represents a 32.5% increase. The profit before tax is expected to decrease by 5.4 million Euros from 2025 to 2026, which is a 7.9% decrease. From 2026 to 2027, the profit before tax is expected to increase by 4.3 million Euros, which is a 6.9% increase. The annual values for profit before tax are 67.1 million Euros in 2025, 62.7 million Euros in 2026, and 66.0 million Euros in 2027.

Profit

The realised profit for Q2 2026 is 9.6 million Euros, and the predicted profit for Q2 2027 (e) is 13.4 million Euros. The expected change in profit from Q2 2026 to Q2 2027 (e) is 3.8 million Euros, which represents a 39.6% increase. The profit is expected to decrease by 5.0 million Euros from 2025 to 2026, which is a 9.1% change. From 2026 to 2027, the profit is expected to increase by 3.1 million Euros, a 6.2% change. The annual profit values are 54.5 million Euros in 2025, 49.9 million Euros in 2026, and 52.8 million Euros in 2027.