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Appendix table 1. Profit and loss accounts of banks operating in Finland 1.1.- 30.9.2021, EUR thousands

1.1.- 30.9.2021
Commercial banks Foreign banks ,Co-operative banks total Savings banks total Banks total
Interest income 3 268 629 644 416 662 241 167 921 4 743 207
(Interest expenses) 886 016 229 126 1 278 11 052 1 127 472
NET INCOME FROM FINANCIAL OPERATIONS 2 382 613 415 289 660 962 156 869 3 615 734
(Expenses on share capital repayable on demand) .. 1) 2) .. .. .. ..
Dividend income 24 040 .. 199 839 .. 229 513
Fee and comission income 2 137 914 431 251 400 160 124 508 3 093 832
(Fee and comission expenses) 486 014 63 261 34 534 14 855 598 664
Gains or (-) losses on derecognition of financial assets and liabilities not measured at fair value through profit or loss, net -28 821 .. .. 646 -30 751
Gains or (-) losses on financial assets and liabilities held for trading, net 1 266 794 27 282 14 976 .. 1 309 051
Gains or losses on financial assets outside the trading fund that are mandatorily measured at fair value through profit or loss, net 320 173 .. .. 13 554 337 394
Gains or (-) losses on financial assets and liabilities designated at fair value through profit or loss, net -546 390 .. -9 852 .. -556 285
Gains or (-) losses from hedge accounting, net 9 021 .. .. -36 9 777
Exchange differences [gain or (-) loss], net 25 606 12 625 -1 134 38 365
Gains or (-) losses on derecognition of non-financial assets, net .. .. 265 1 124 ..
Other operating income 755 180 82 856 75 364 41 025 954 424
(Other operating expenses) 69 248 11 344 140 579 21 751 242 922
TOTAL OPERATING INCOME, NET 5 787 687 895 011 1 170 894 304 150 8 157 741
(Administrative expenses) 2 806 024 479 048 616 735 143 254 4 045 061
of which: (Personnel expenses) 1 925 559 199 947 247 864 56 550 2 429 919
of which:( Other administrative expenses) 880 465 279 102 368 871 86 704 1 615 141
(Cash contributions to resolution funds and deposit guarantee schemes) 267 839 .. 32 849 .. 317 131
(Depreciation) 434 740 18 756 17 357 9 570 480 424
Gains or (-) losses caused by changes made, net .. .. .. .. ..
(Provisions or (-) reversal of provisions) -11 013 -9 919 55 -309 -21 186
(Impairment or (-) reversal of impairment on financial assets not measured at fair value through profit or loss) 9 653 40 493 38 565 6 259 94 970
(Impairment or (-) reversal of impairment of investments in subsidaries, joint ventures and associates) .. .. .. .. ..
(Impairment or (-) reversal of impairment on non-financial assets) 19 331 .. 12 823 .. 37 442
Negative goodwill recognised in profit or loss .. .. .. .. ..
Share of profit or (-) loss in investments in subsidiaries, joint ventures and associates. .. .. .. .. ..
Profit or (-) loss from non-current assets and disposal groups classified as held for sale not qualifying as discontinued operations .. .. .. .. ..
PROFIT OR (-) LOSS BEFORE TAX FROM CONTINUING OPERATIONS 2 732 073 375 883 452 509 129 498 3 689 963
(Tax expense or (-) income related to profit or loss from continuing operations) 545 806 67 830 57 118 48 556 719 310
PROFIT OR (-) LOSS AFTER TAX FROM CONTINUING OPERATIONS 2 186 268 308 054 395 391 80 942 2 970 654
Profit or (-) loss after tax from discontinuing operations . . . . .
PROFIT OR (-) LOSS FOR THE YEAR 2 186 268 308 054 395 391 80 942 2 970 654
1) .. No observations.
2) .. Data not available or too uncertain for presentation, or subject to secrecy.

Source: Credit institutions' annual accounts, Statistics Finland

Inquiries: Leevi Suppanen 029 551 3087, Matias Hämäläinen 029 551 3737, rahoitusmarkkinat@stat.fi

Head of Department in charge: Katri Kaaja


Updated 16.12.2021

Referencing instructions:

Official Statistics of Finland (OSF): Financial statement statistics on credit institutions [e-publication].
ISSN=2342-5180. 3rd quarter 2021, Appendix table 1. Profit and loss accounts of banks operating in Finland 1.1.- 30.9.2021, EUR thousands . Helsinki: Statistics Finland [referred: 8.8.2022].
Access method: http://www.stat.fi/til/llai/2021/03/llai_2021_03_2021-12-16_tau_001_en.html