S-Pankki Oyj financials
S-Pankki Oyj
Country: FI Reporting currency: EUR Latest annual report: 2025-12-31
LEI:
743700FTBNXAUN57RH30 Financial statements
(EUR, as reported — unscaled; 101 line items across 2 annual periods)
| Line item | 2025 | 2024 |
|---|---|---|
| Income statement | ||
| Other income | €9.7M | €40.0M |
| Administrative expenses | €128.9M | €117.4M |
| Employee benefits expense | €101.2M | €84.1M |
| Operating profit (EBIT) | €106.4M | €165.2M |
| Income tax expense | €23.3M | €33.1M |
| Profit for the year | €83.1M | €132.1M |
| — attributable to owners | €83.1M | €132.1M |
| Total comprehensive income | €84.0M | €138.4M |
| Cash flow statement | ||
| Net cash from operating activities | €494.1M | €544.9M |
| Net cash from investing activities | -€163.7M | -€1.43B |
| Net cash from financing activities | -€701.0M | €1.58B |
| Dividends paid | €20.1M | €10.0M |
| Lease liability payments | €4.5M | €2.5M |
| Net change in cash | -€370.6M | €700.0M |
| Balance sheet | ||
| Total assets | €13.24B | €13.25B |
| Intangible assets & goodwill | €62.5M | €62.4M |
| Total equity | €1.04B | €977.6M |
| — attributable to owners | €1.04B | €977.6M |
| Derived metrics | ||
| Free cash flow | €478.8M | €533.7M |
| Return on equity | 8.0% | 13.5% |
| Cash conversion ratio | 5.94× | 4.12× |
| Capex coverage | 32.30× | 48.29× |
| Other reported items | ||
| Adjustments For Decrease Increase In Loans and Advances To Banks | -€5.9M | -€11.5M |
| Adjustments For Decrease Increase In Loans and Advances To Customers | €26.4M | -€120.9M |
| Adjustments For Decrease Increase In Other Assets | -€9.6M | €13.5M |
| Adjustments For Depreciation and Amortisation Expense and Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €19.9M | €17.1M |
| Adjustments For Finance Income Cost | €18.1M | -€25.0M |
| Adjustments For Impairment Losses Reversal of Impairment Losses Recognised In Profit Or Loss Financial Assets | €31.9M | €52.7M |
| Adjustments For Income Tax Expense | €23.3M | €33.1M |
| Adjustments For Increase Decrease In Deposits From Banks | -€8.5M | €31.5M |
| Adjustments For Increase Decrease In Deposits From Customers | €787.2M | €335.5M |
| Adjustments For Increase Decrease In Other Liabilities | €8.7M | €12.1M |
| Adjustments For Undistributed Profits of Investments Accounted For Using Equity Method | €0 | -€2.0K |
| Adjustments To Reconcile Profit Loss Other Than Changes In Working Capital | €58.5M | €100.7M |
| Bonds Issued | €1.62B | €1.71B |
| Cash and Bank Balances At Central Banks | €2.54B | €2.91B |
| Cash and Cash Equivalents If Different From Statement of Financial Position | €2.54B | €2.91B |
| Cash Flows From Used In Increase Decrease In Current Borrowings | -€590.0M | €590.0M |
| Cash Flows From Used In Operations Before Changes In Working Capital | €141.6M | €232.9M |
| Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €148.4M | €1.42B |
| Comprehensive Income Attributable To Owners of Parent | €84.0M | €138.4M |
| Current Accrued Expenses and Other Current Liabilities | €100.1M | €246.7M |
| Deposits From Banks | €57.2M | €655.7M |
| Deposits From Customers | €10.24B | €9.46B |
| Depreciation Amortisation and Impairment Loss Reversal of Impairment Loss Recognised In Profit Or Loss | €19.9M | €17.1M |
| Derivative Financial Assets | €29.5M | €49.0M |
| Derivative Financial Liabilities | €4.5M | €1.7M |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners | €20.1M | — |
| Dividends Proposed Or Declared Before Financial Statements Authorised For Issue But Not Recognised As Distribution To Owners Per Share | €2.20 | — |
| Dividends Received Classified As Operating Activities | €88.0K | €86.0K |
| Dividends Recognised As Distributions To Owners Per Share | €2.20 | €1.50 |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | -€13.0K | €10.0K |
| Equity and Liabilities | €13.24B | €13.25B |
| Expense By Nature | €267.1M | €231.1M |
| Fee and Commission Expense | €17.7M | €16.7M |
| Fee and Commission Income | €121.3M | €109.4M |
| Fee and Commission Income Expense | €103.6M | €92.7M |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €1.0M | €8.1M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €19.3M | €42.7M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | €205.0K | €1.8M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | €18.0K | -€16.0K |
| Income Taxes Paid Refund Classified As Operating Activities | €25.6M | €40.7M |
| Increase Decrease Through Transactions With Owners | -€20.1M | €190.0M |
| Increase Decrease Through Transfers and Other Changes Equity | €0 | -€7.0K |
| Interest Expense | €243.2M | €244.9M |
| Interest Paid Classified As Operating Activities | €254.8M | €209.5M |
| Interest Received Classified As Operating Activities | €514.4M | €539.7M |
| Interest Revenue Expense | €278.6M | €306.9M |
| Investment Accounted For Using Equity Method | €5.0K | €5.0K |
| Investments Other Than Investments Accounted For Using Equity Method | €16.3M | €19.3M |
| Issue of Equity | €0 | €200.0M |
| Issued Capital | €82.9M | €82.9M |
| Liabilities | €12.20B | €12.27B |
| Loans and Advances To Banks | €27.9M | €21.6M |
| Loans and Advances To Customers | €9.41B | €9.47B |
| Other Adjustments For Noncash Items | €1.4M | €1.0M |
| Other Adjustments To Reconcile Profit Loss | €165.0K | -€28.2M |
| Other Comprehensive Income | €892.0K | €6.2M |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | €90.0K | €0 |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | €1.0K | -€80.0K |
| Other Comprehensive Income Net of Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €819.0K | €6.3M |
| Other Comprehensive Income Net of Tax Gains Losses From Investments In Equity Instruments | €72.0K | €0 |
| Other Comprehensive Income Net of Tax Gains Losses On Remeasurements of Defined Benefit Plans | €1.0K | -€64.0K |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | €819.0K | €6.3M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | €73.0K | -€64.0K |
| Other Current Liabilities | €80.1M | €87.8M |
| Other Expense By Nature | €17.1M | €12.4M |
| Prepayments and Accrued Income Including Contract Assets | €96.8M | €78.1M |
| Proceeds From Issue of Bonds Notes and Debentures | €150.0M | €898.1M |
| Proceeds From Issuing Shares | €0 | €200.0M |
| Property Plant and Equipment Including Rightofuse Assets | €10.1M | €14.0M |
| Provisions | €179.0K | €225.0K |
| Purchase of Property Plant and Equipment Intangible Assets Other Than Goodwill Investment Property and Other Noncurrent Assets | €15.3M | €11.3M |
| Repayments of Bonds Notes and Debentures | €236.5M | €91.8M |
| Retained Earnings | €476.3M | €413.3M |
| Revenue and Operating Income | €392.7M | €439.0M |
| Revenue From Dividends | €88.0K | €86.0K |
| Revenue From Interest | €521.8M | €551.8M |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €0 | -€2.0K |
| Subordinated Liabilities | €90.0M | €95.7M |
| Trade and Other Receivables | €5.2M | €5.4M |
Methodology
Every line item above is a fact tagged in S-Pankki Oyj's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.