Voisi harkita haastattelujen antamisen lopettamista Almalle ihan protestiksi niiden otsikoimista vastaan.
Otsikko:
Eliittipankki” peittoaa tärkeimmässä tulosluvussa jopa Nordean – Aki Pyysing omistaa 23 950 osaketta, ja tähtäimessä on ostaa lisää
Mitä mie sanoin:
Olen valmis ostamaan osaketta takaisin halvemmalla, jos hinta laskee nykyisestään. Ei tarkalleen ottaen ihan sama asia.
Lainaukset on kyllä oikein ja toimittajat tekevät muotoilukorjaukset sovinnolla, vaikka ei välttämättä tarvitsisi. Hesari luopui klikkiotsikoista, , Alma jatkaa vanhan työsyrjijän viitoittamalla polulla iloisesti klikkaillen.
Heh. Lukaisin epävirallisen käännöksen osarista. Koska osaan paremmin suomea kuin ruotsia ja vähän kiire, päätin lukea suomenkielisen. Joka tosin oli ruotsiksi.
Ålandsbankenin ohjeistus opon tuotto yli 15% vaikuttaa varovaiselta tai sitten on loppuvuodesta heikkenevää. Kun on se on puoleen vuoteen 19,2%, tosin Q2 vain 19,1%.
Hoidettavat varat kasvaneet q1 -> q2 10,6Mrd€ -> 11,1Mrd€. Pelko pois Rosemarie kiinteistörahastojen jäädyttämisen tuomasta badwillistä. Korkokate hyytynyt vähän, mutta palkkiotuotot kattavat menetykset. Luotonanato hyvin lievässä kasvussa, mutta kasvussa. Rullande EPS q2 månader 3,56 ei nousussa vuoden takaiseen, mutta kyllä vs Q1.
Hyvin menee mutta menköön. Yli kympin P/E pankkiosaketta ei oikein osaa lisäilläkään. Varsinkin on melko hiljan myynyt vähän halvemmalla kuin +0,00% @38,40.
Pitelen kuitenkin lopuista kiinni vähän tiukemmin taas. Vaikuttaisi siltä, että tuottovaade 10% yli syklin olisi realistista saavuttaa tälläkin hinnalla. Voisin kuvitella markkinosuuden kasvavan jatkossakin maltillisesti.
Half-Year Financial Report for the period January - June 2025
Strong results and record inflows of assets under management
"We are delivering a strong second quarter in terms of earnings, with a net operating profit of EUR 16.3 million (15.6) that resulted in a return on equity of 19.1 per cent (18.3). With that, we can summarize the first half of the year with excellent results, with net operating profit of EUR 34.7 million and a return on equity of 19.2 per cent (18.2). This is the highest result we have ever reported for a first half-year.
"The second quarter was one of our all-time best, with net inflow of new client investments of EUR 328 million. The high net inflow means that for the first time, we can report a volume of actively managed assets on behalf of customers of over EUR 11 billion.
"Lowered market interest rates are putting pressure on net interest income for us as well as for other banks. Net interest income was down 9 per cent for the half year. Despite this, from the start of the year we were able to compensate for the decline with increased commission income, which rose by 13 per cent, primarily from our customers financial investment business.
"The world around us continues to present an array of uncertainties, and we see that our customers continue to be cautious about borrowing money. Despite this, our lending began to increase again during the quarter, albeit at cautious levels. Market interest rates have now halved since peaking just over a year and a half ago. We believe this development will contribute to increased lending activity in the second half of the year."
Peter Wiklöf, Managing Director and Chief Executive
January - June 2025 compared to January - June 2024
Net operating profit increased by 7 per cent and amounted to EUR 34.7 M (32.5).
Core income in the form of net interest income, net commission income and IT income levels remained unchanged at EUR 107.9 M (108.4).
Other income increased to EUR 4.0 M (0.7).
Total expenses increased by 2 per cent to EUR 76.5 M (74.9).
Net impairment losses on financial assets (including recoveries) totalled EUR 0.7 M (1.7), equivalent to a loan loss level of 0.04 per cent (0.08).
Return on equity after taxes (ROE) increased to 19.2 per cent (18.2).
Earnings per share increased by 9 per cent to EUR 1.86 (1.71).
The common equity Tier 1 capital ratio decreased to 12.8 per cent (14.5 on December 31, 2024).
Unchanged future outlook: The Bank of Åland expects its return on equity after taxes (ROE) to continue to exceed its long-term financial target of 15 per cent during 2025.
The second quarter of 2025 compared to the second quarter of 2024
Net operating profit increased by 4 per cent and amounted to EUR 16.3 M (15.6).
Core income in the form of net interest income, net commission income and IT income decreased by 2 per cent to EUR 54.1 M (55.4).
Other income increased to EUR 1.8 M (−0.1).
Total expenses increased by 1 per cent to EUR 38.8 M (38.5).
Net impairment losses on financial assets (including recoveries) totalled EUR 0.8 (1.2), equivalent to a loan loss level of 0.08 per cent (0.11).
Return on equity after taxes (ROE) increased to 19.1 per cent (18.3).
Earnings per share increased by 10 per cent to EUR 0.90 (0.82).
