EUR million 1 Jan−31 Dec 2025 1 Jan−31 Dec 2024
1 Interest income 2,002 3,210
2 Interest expense -2,228 -4,318
3 NET INTEREST INCOME/(EXPENSE) -227 -1,108
4 Foreign exchange rate differences 14 435
5 Securities price differences 209 89
6 Valuation losses related to currencies and securities -148 -72
7 Change in foreign exchange rate and price difference provision -81 -454
NET RESULT OF FINANCIAL OPERATIONS AND WRITE-DOWNS -232 -1,110
8 Net result of pooling monetary income 111 174
9 Income and expenses on fees and commissions -6 -7
10 Share in ECB profit – –
11 Income from other equity instruments and participating interests 5 5
CENTRAL BANKING PROFIT -122 -937
12 Other income 52 49
Operating expenses -145 -138
13 Staff costs -69 -68
14 Pension fund contribution -10 -10
15 Administrative expenses -49 -44
16 Depreciation of fixed assets -12 -11
17 Banknote production services -5 -6
18 Other expenses -0 -0
OPERATING PROFIT -215 -1,027
Profit for the pension fund – –
19 Income of the pension fund 40 51
20 Expenses of the pension fund -40 -51
21 Changes in provisions 215 1,027
22 PROFIT FOR THE YEAR – –

Helsinki, 24 February 2026


THE BOARD OF THE BANK OF FINLAND

Olli Rehn, Governor

Marja Nykänen, Deputy Governor

Tuomas Välimäki, Member of the Board