Home > Statistics > Financial statement statistics on credit institutions > 2015 > 4th quarter > Domestic banks' net income from financial operations contracted by 8 per cent in the fourth quarter of 2015

Published: 18 April 2016

Domestic banks' net income from financial operations contracted by 8 per cent in the fourth quarter of 2015

In the fourth quarter of 2015, domestic banks’ net income from financial operations amounted to EUR 603 million. Their net income from financial operations contracted by eight per cent from the respective quarter of the year before. Compared to the previous quarter, the growth amounted to 0.4 per cent. These data derive from Statistics Finland’s financial statement statistics on credit institutions.

Domestic banks' net income from financial operations and operating profit, 4th quarter 2005-2015, EUR million

Interest income and expenses

During the fourth quarter, interest income amounted to EUR 1.3 billion, which is EUR 54 million less than one year previously. From the previous quarter, interest income went up by EUR 55 million. Interest expenses remained at previous year's level at EUR 678 million. From the previous quarter, interest expenses grew by eight per cent.

Commission income

Commission income amounted to EUR 459 million in the fourth quarter, which is five per cent less than one year earlier. Compared with the previous quarter, the commission income went up by one per cent.

Administrative expenses

Domestic banks' administrative expenses remained at previous year's level at EUR 663 million. Compared with the previous quarter, administrative expenses grew by EUR 97 million.

Operating profit and balance sheet

The net operating profit amounted to EUR 421 million in the fourth quarter, which is 18 per cent or EUR 95 million less than one year earlier. The aggregate value of the balance sheets was EUR 482 billion. The balance sheet was six per cent down from one year ago. The share of own equity in the total of the balance sheets was 5.5 per cent.

Source: Credit institutions' annual accounts, Statistics Finland

Inquiries: Kerttu Helin 029 551 3330, Sari Kuisma 029 551 2645, rahoitusmarkkinat@stat.fi

Director in charge: Ville Vertanen

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Appendix tables

• Appendix table 1. Profit and loss accounts of domestic banks 1.1.- 31.12.2015, EUR thousands (18.4.2016)
• Appendix table 2. Balance sheets of domestic banks 1.1.- 31.12.2015, EUR thousands (18.4.2016)
• Appendix table 3. Itemisation of interest income and expenses of domestic deposit banks 1.1.- 31.12.2015, EUR thousands (18.4.2016)
• Appendix table 4. Itemisation of commission income and expenses of domestic deposit banks 1.1.- 31.12.2015, EUR thousands (18.4.2016)
• Appendix table 5. Itemisation of domestic deposit banks' administrative expenses 1.1.- 31.12.2015, EUR thousands (18.4.2016)

Figures

• Appendix figure 1. Domestic banks' interest income and commission income by quarter, 4th quarter 2005-2015, EUR million (18.4.2016)
• Appendix figure 2. Domestic banks net operating profit by quarter 2009-2015, EUR million (18.4.2016)

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Updated 18.4.2016