contentSlug

type

ContentSlug_ContentQuery

slug

ContentPageContentQuery

content

trendingContent

query ContentSlug_ContentQuery(
  $contentSlug: String!
  $type: [ContentType!]
) {
  ...ContentPageContentQuery_13QmVO
}

fragment CompanyDetails_Content on Content {
  __isContent: __typename
  companies {
    name
    description
    pageUrl
    id
  }
}

fragment ContentBasicInfo on Content {
  __isContent: __typename
  id
  type
  title
  lang
  createdAt
  ... on Video {
    liveTime
  }
  ... on Webcast {
    liveTime
  }
  companies {
    viewerIsFollowing
    id
    name
    pageUrl
    forum {
      threadUrl
    }
    defaultInstrument {
      symbol
      id
    }
  }
  ...PublishingDetails
  ...Reactions
}

fragment ContentMetadata on Content {
  __isContent: __typename
  type
  title
  lang
  pageUrl
  alternatePageUrls: translations {
    __typename
    pageUrl
    lang
  }
  imgUrl
  description
  createdAt
  changedAt
  isPremium
  authors {
    __typename
    name
    pageUrl
    id
  }
  companies {
    name
    pageUrl
    id
  }
  tags {
    name
    id
  }
  ... on Video {
    liveTime
    videoUrl
    videoEmbedUrl(location: "inderes")
  }
  ... on Webcast {
    liveTime
    videoUrl
    videoEmbedUrl(location: "inderes")
  }
}

fragment ContentPageContentQuery_13QmVO on Query {
  content(slug: $contentSlug, type: $type) {
    __typename
    id
    type
    title
    isPremium
    lang
    htmlBody
    summary
    companies {
      forum {
        threadUrl
        latestPosts {
          ...ForumPosts
        }
      }
      name
      id
      viewerIsFollowing
      pageUrl
      defaultInstrument {
        isin
        id
        symbol
        marketOpen
        marketClose
        marketplace {
          region
        }
        returns {
          total
        }
      }
    }
    tags {
      viewerIsFollowing
      id
      name
      pageUrl
    }
    createdAt
    ... on Video {
      liveTime
    }
    ... on Webcast {
      liveTime
    }
    slug
    ... on CompanyReport {
      reportUrl
      researchContentUrl
      researchContent {
        title
        lang
        pdfUrl
        relatedContent {
          __typename
          ...PublishingDetails
          ...Reactions
          id
        }
        content {
          title
          lang
          htmlBody
          publishedAt
          createdAt
          changedAt
          isOutdated
          isPremium
        }
      }
    }
    ... on ThirdPartyCompanyReport {
      reportUrl
    }
    ... on StockExchangeRelease {
      reportUrl
    }
    ...ContentBasicInfo
    ...ContentMetadata
    ...PriceAndRecommendation_Content
    ...CompanyDetails_Content
    ...ReportLink_Content
    ...KeyFigures_Content
  }
  ...TrendingContent_1jQ2Cn
}

fragment ForumPosts on ForumPost {
  text
  likesCount
  url
  author
  postedAt
  authorImgUrl
}

fragment KeyFigures_Content on Content {
  __isContent: __typename
  companies {
    defaultInstrument {
      estimateData {
        modelType
        reportingCurrency
      }
      snapshot {
        transaction {
          date
          actualized {
            year
            quarter
            revenue
            revenueGrowth
            ebitAdjusted
            ebitReported
            ebitda
            enterpriseValue
            epsAdjusted
            dividend
            dividendYield
            sharePrice
            nav
            navPerShare
            opexOfNav
            quarterlySharePrice
          }
          estimates {
            year
            quarter
            revenue
            revenueGrowth
            ebitAdjusted
            ebitReported
            ebitda
            enterpriseValue
            epsAdjusted
            dividend
            dividendYield
            sharePrice
            nav
            navPerShare
            opexOfNav
            quarterlySharePrice
          }
        }
      }
      id
    }
    id
  }
}

fragment PriceAndRecommendation_Content on Content {
  __isContent: __typename
  createdAt
  companies {
    name
    pageUrl
    defaultInstrument {
      priceData {
        tradeCurrency
      }
      snapshot {
        priceData {
          date
          lastPrice
          tradeCurrency
        }
        transaction {
          date
          recommendation
          targetPrice
        }
        prevTransaction {
          recommendation
        }
      }
      id
    }
    id
  }
}

fragment PublishingDetails on Content {
  __isContent: __typename
  publishers {
    name
    imgUrl
  }
  authors {
    __typename
    id
    name
    slug
    imgUrl
    jobTitle
  }
}

fragment Reactions on Content {
  __isContent: __typename
  id
  reactionGroups {
    reactionType
    reactionsCount
    viewerReacted
  }
}

fragment ReportLink_Content on Content {
  __isContent: __typename
  type
  isPremium
  ... on CompanyReport {
    reportUrl
  }
  ... on ThirdPartyCompanyReport {
    reportUrl
  }
  ... on StockExchangeRelease {
    reportUrl
  }
}

fragment TrendingContent_1jQ2Cn on Query {
  trendingContent(type: ARTICLE) {
    __typename
    id
    title
    lang
    pageUrl
    createdAt
    type
    imgUrl
    companies {
      squareLogoUrl
      name
      id
    }
    authors {
      __typename
      imgUrl
      id
    }
    publishers {
      imgUrl
    }
  }
}


bank-of-aland-plc-to-increase-prime-rate-6

__typename

title

isPremium

lang

htmlBody

summary

companies

createdAt

publishers

authors

reactionGroups

pageUrl

translations

imgUrl

description

changedAt

The Bank of Åland is a financial group that offers services within asset management, insurance, pensions and loan financing. The largest operations are found in the Nordic market, with private customers as the main customer base. A large part of the services are accessed via the bank's digital services. The Bank of Åland originally started its operations in 1919 and has its headquarters in Mariehamn.

One of perhaps Finland’s best asset managers is now expanding its network organically to Northern Sweden                   Tärkeimmät talousuutiset | Kauppalehti – 4 Sep 26              Ålandsbanken laajentaa Ruotsissa    Uusilla konttoreilla yhtiö satsaa Pohjois-Ruotsin markkinaan. Pankki on myös tuomassa emopankin palveluita ja tuotteita osin Ruotsin markkinalle.

Roni has done a bit of valuation work on Ålandsbanken  https://x.com/KeskitaloRoni/status/2072200200219734278

Some good points here regarding the asset management of foundations etc. I’ve never really thought of Ålandsbanken as that kind of bank, as my image of them has been more of a bank focused on private individuals.

Ålandsbanken offers employees favorable share savings Even the staff are being kept satisfied. It’s in my own portfolio and I believe and trust that this will generate more discussion. Thanks to @Timo_Huhtamaki for the good points. I strongly believe that ÅB’s bankers or asset managers are allowed to do their work without overly directive sales targets, which means index-tracking ETFs can be found in clients’ portfolios, as well as custody linked to asset management fees. Granted, with MIFID, investment advice for exchange-traded products is an art form of its own, but a client discussing cost-effective products will certainly get them into their portfolio. My own acquaintances have cost-effective solutions, short-term corporate bonds, and specifically this Nordic dividend strategy, both as funds and direct stocks via discretionary mandate. The constant talk about cost-effectiveness and indices is a bit peculiar in this industry. If one’s thoughts are like @Dollarijanis’s, then one wouldn’t have a single bank/asset manager in their portfolio. That’s where the profits come from in the long run for the banks too, and the beauty of it is that market development simply helps AUM (Assets Under Management) and fee income grow. As for this mindset—I don’t deny that index investing is sensible for individuals or even at a foundation level. My own thought is that bonds belong in a portfolio—anything else is perhaps a bit of “magic,” like PE (Private Equity) funds etc., although these too have their own clientele. Not everyone can or wants to think “over time” about what is the most sensible or efficient way to invest. Not everyone wants their portfolio to dip as much as the index does. Not everyone drives a Corolla, even though it is absolutely much smarter than driving a Porsche. I want to see the discussion in the board of a small or large company when the chairman suggests putting the entire cash reserve into the S&P 500 index at these valuations. It’s good to understand that a lot of money is invested in the world that isn’t there forever, or with a long horizon—or via monthly savings. There are many people who invest significant sums of OTHER people’s money (municipalities, foundations, associations, and companies). One shouldn’t just think about this in terms of how few great listed companies etc. there are in Finland. An asset manager like ÅB can offer broad retail banking services, and at the same time, a banker’s portfolio can accommodate a few machinery entrepreneurs, farmers, etc. Much of the costs are tax-deductible, and entrepreneurs, in particular, usually know how to value a service and product relatively highly. They don’t always sell their own things at the cheapest price either. Things aren’t always done in the way that is absolutely most sensible or efficient. That’s why we have different services and companies in the world, and I can certainly name dozens of stupider ways to spend money than an asset management fee. Furthermore, as an entrepreneur, I aim to spend 100% of my own time on things other than making investment decisions. A bank or banker relationship also involves much more. You can even become friends with some. Sometimes a property or a buyer for a property is found through those channels. Business acquisitions have also been closed when the banker has been a mutual contact or acquaintance. That is what banking, asset management, and especially relationship management is. It doesn’t all happen on the index lists of Nordnet and Kvarn.

The Pirkkalainen newspaper has interviewed Pekka Puustinen, the new director of Ålandsbanken’s Tampere branch. In my opinion, the interview provides a good insight into Ålandsbanken’s operating principles—even on a broader scale than just that specific branch.                   Pirkkalainen – 5 Jun 26              Pirkanmaa kiinnostaa kovasti Ålandsbankenia, katseet kohdistuvat...    Pirkanmaa kiinnostaa kovasti Ålandsbankenia, katseet kohdistuvat sijoittajiin, yrittäjiin ja perheyrityksiin - Pirkanmaa - Pirkkalainen nostaa valokeilaan alueensa kiinnostavimmat uutiset, puheenaiheet ja ilmiöt.

Ålandsbanken’s share of investor discussion regarding the asset management sector is probably in the range of a fraction of a percent, but in terms of total return over a five-year follow-up, it is second in the market. Comparison table from today’s Kauppalehti.

ÅAB is a perfectly OK everyday bank (I’ve been a customer myself for over 20 years), but I don’t understand for the life of me why anyone in today’s world needs a paid “wealth manager,” or why anyone would invest in these overpriced active bank funds.  For regular salary earners who dream of building wealth and don’t have the energy to follow the stock market, index funds are by far the most sensible choice. However, the most important clients for wealth managers are foundations and institutions. For them, the priority is not so much maximal return, but obtaining steady, predictable returns in all market conditions and, above all, ensuring that the wealth is preserved for future generations. Investing in stock indices exposes one to equity risk. In the largest stock market crashes, index values have dropped by 20–80%. Since foundations and institutions are intended to exist for hundreds of years, several such crashes will occur during their existence. A regular mortal, on the other hand, will likely experience such a crash at most once in a lifetime, and in that case, a regular wage earner should just invest their salary even more aggressively into an index fund rather than worrying about lost assets. Foundations and institutions, because of stock market crashes, should own more than just exchange-listed stocks. With index funds, you are also always taking a view on the development of a specific market. It is not a law of nature that US indices will yield the best returns. At the beginning of the millennium, a Russian index might have felt like a winning index. Of course, this risk can be diversified by investing in several indices, but this would already require a certain level of expertise from the foundation’s key personnel. They would also have to get the investment plan approved by the foundation’s board and report on investments regularly. When hiring key personnel for a foundation, one would also have to consider that, in addition to all other skills, they must know how to invest in index funds sensibly. Many foundations and institutions may also have ESG requirements or impact goals, for which wealth managers’ products provide a ready-made solution. Some may also want to invest in Finnish mid-sized companies for reasons of principle. Currently, if you invest in a world index, you are investing with a heavy weight in US tech giants. In practice, foundations outsource asset management to wealth managers so they can focus on their core competencies. The Student Union of the University of Helsinki is a perfect example of why foundations should outsource asset management rather than trying to invest themselves or seeking better returns. Also, for many wealthy families, preserving wealth for future generations is more important than high returns. They may similarly emphasize investing in Finnish companies or impact investing. I also wouldn’t underestimate how much value many people find in being able to regularly discuss their investments and economic events with a wealth manager. I have invested in Ålandsbanken because I believe it has the most Finland-Swedish “old money” as its clientele. Because of this, I don’t believe the popularity of index investing poses much of a threat to Ålandsbanken. I would guess that Alexandria’s client profile consists of employees and entrepreneurs who really should be investing in index funds.

Ålandsbanken

 Bank of Åland Plc Stock exchange release September 10, 2026, 15.45 EEST Bank of Åland Plc to increase prime rate The Bank of Åland Plc (Ålandsbanken Abp) has decided to increase its prime rate...

&nbsp; Bank of Åland Plc Stock exchange release September 10, 2026, 15.45 EEST Bank of Åland Plc to increase prime rate The Bank of Åland Plc (Ålandsbanken Abp) has decided to increase its prime rate by 0.25 percentage points, from 2.25 per cent to 2.50 per cent. The basis for this decision is rising market interest rates. The change goes into effect on September 24, 2026. Bank of Åland Plc For further information, please contact: Peter Wiklöf, Managing Director and Chief Executive, Bank of Åland Plc, tel +358 40 512 7505 <img alt="" src="https://www.globenewswire.com/newsroom/ti?nf=MTAwMTI2MjA3NCM0MDI1MDA1NDYjMjA5NTcwNQ=="> <img alt="" src="https://ml-eu.globenewswire.com/media/NjliN2VkNTktZTYxZi00ZDYxLWI1NGUtOTg5MjJiZmVhMzhlLTExMDcyNzYtMjAyNi0wOS0xMC1lbg==/tiny/-landsbanken.png">