Home > Statistics > Financial statement statistics on credit institutions > 2014 > 4th quarter > Domestic banks' net income from financial operations decreased by 13 per cent in 2014

Published: 16 April 2015

Domestic banks' net income from financial operations decreased by 13 per cent in 2014

In the fourth quarter of 2014, domestic banks’ net income from financial operations amounted to EUR 656 million. Their net income from financial operations contracted by 13 per cent from the respective quarter of the year before. For domestic commercial banks, net income from financial operations decreased by 20 per cent and for savings banks by nine per cent. By contrast, the net income from financial operations of co-operative banks increased by nine 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

Interest income and expenses

Over the quarter, interest income amounted to EUR 1.3 billion, which is EUR 28 million less than one year previously. From the previous quarter, interest income went down by EUR 50 million. Over the quarter, interest expenses amounted to EUR 680 million, which is EUR 65 million more than one year previously. From the previous quarter, interest expenses went down by EUR 43 million.

Commission income

Commission income amounted to EUR 480 million in the last quarter, which is 24 million more than one year earlier. Compared with the previous quarter, the commission income went up by ten per cent.

Administrative expenses

The administrative expenses of domestic banks amounted to EUR 663 million in the last quarter, which is 19 million more than one year earlier. From the previous quarter, administrative expenses went up by EUR 105 million.

Operating profit and balance sheet

The net operating profit amounted to EUR 516 million in the fourth quarter, which is EUR 89 million more than one year earlier. The aggregate value of the balance sheets was EUR 511 billion. The balance sheets grew by 12 per cent year-on-year. The share of own equity in the total of the balance sheets was 4.3 per cent.

Source: Credit institutions' annual accounts, Statistics Finland

Inquiries: Jan Klavus 029 551 3391, Hilkka Jaatinen 029 551 3630, rahoitusmarkkinat@stat.fi

Director in charge: Mari Ylä-Jarkko

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Appendix tables

• Appendix table 1. Profit and loss accounts of domestic banks 1.1.- 31.12.2014, EUR thousands (16.4.2015)
• Appendix table 2. Balance sheets of domestic banks 1.1.- 31.12.2014, EUR thousands (16.4.2015)
• Appendix table 3. Itemisation of interest income and expenses of domestic deposit banks 1.1.- 31.12.2014, EUR thousands (16.4.2015)
• Appendix table 4. Itemisation of commission income and expenses of domestic deposit banks 1.1.- 31.12.2014, EUR thousands (16.4.2015)
• Appendix table 5. Itemisation of domestic deposit banks' administrative expenses 1.1.- 31.12.2014, EUR thousands (16.4.2015)

Figures

• Appendix figure 1. Domestic banks' interest income and commission income by quarter, 4th quarter (16.4.2015)
• Appendix figure 2. Domestic banks net operating profit by quarter (16.4.2015)

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Updated 16.4.2015