Aktia Bank Plc Class A · OMXHEX:AKTIA
Aktia Bank Plc Class A — Aktia Pankki — Q4 2025 Earnings Presentation
34 slides from Aktia Bank Plc Class A's earnings presentation, Feb 5, 2026
Slide 1: Q4 Results
5 FEBRUARY 2026 Q4 Results Anssi Huhta, CEO Sakari Järvelä, CFO
Slide 2: Q4 highlights
Q4/2025 Results Presentation 5/2/26 2 Q4 highlights • Operating income EUR75.6million • Net income from life insurance 24% higher than last year due tofavourablemarket conditions and good development in risk and unit -linked insurance. • Net commission income at the same level as last .year • NII de
Slide 3: Stable Q4 marked by solid operating income
Q4/2025 Results Presentation 5/2/26 3 Stable Q4 marked by solid operating income Comparable operating profit 2021 –2025 EUR million 124.7 124.5 120.0 104.8 Q4 28.3 106.0 100.0 87.4 Q4 23.7 80.0 Q3 31.5 65.2 Q3 27.4 60.0 104.8 Q2 30.8 40.0 Q2 26.2 20.0 Q1 33.9 Q1 28.7 0.0 2021 2022 2023 2024 2025 Res
Slide 4: Proposed dividend
Q4/2025 Results Presentation 5/2/26 4 Proposeddividend Aktia’s dividend and dividend yield Dividend and capital policy Aktia intends to pay a dividend of approximately % 60 per cent of the profit for the reporting period to € 8.90 9.00 its shareholders. In addition, excess capital may be 1.00 distri
Slide 5: Strategy implementation & business areas
Q4/2025 Results Presentation 5/2/26 5 Strategy implementation& businessareas
Slide 6: We delivered a significant uplift in operating profit run rate
Q4/2025 Results Presentation 5/2/26 6 Wedelivereda significantupliftin operatingprofitrunrate Whatweset out toachieve Operating profit run rate impact Main drivers for success M€ +71% ~12 Growththroughbusiness- • Strong sales , especially in interest-bearing products orientedinitiatives ~4 Strong sa
Slide 7: From three separately led businesses to two complementary engines
Q4/2025 Results Presentation 5/2/26 7 From three separately lead businesses to two complementa engines focusing on growth and scale Banking Life & Wealth Banking Life insurance Asset Management Key characteristics Growth Scale Key value drivers Capital-light focus Margin growth, stability Total inco
Slide 8: Life & Wealth: Leveraging the full potential of our capital-light product range
Q4/2025 Results Presentation 5/2/26 8 Life &Wealth:Leveragingthefullpotentialof ourcapital-light productrange Life & Wealth Growth drivers ROE Spearhead capital- Internationalinstitutions Spearhead capital- light products and family offices light products Unit-Link, Risk Life RoTE Premium, Private >
Slide 9: Life & Wealth: We will invest in our international growth
Q4/2025 Results Presentation 5/2/26 9 Life & Wealth: Wewillinvestin ourinternational growth Growth and profitability through our world -class fixed income products Internationalsales uplift Key highlights Currently 40 internationalcustomerswith €1.2bnAuM – sales throughpartners with EMD focus Signif
Slide 10: Life & Wealth: Insurance platform for core customer segments
Q4/2025 Results Presentation 5/2/26 10 Life &Wealth:Insurance platform for core customersegments End-to-end wealth management for Premium and Private customers, combining investments and life insurance Continuedcapital-light growth Key highlights Aktia Life Insurance has grown faster than the Finnis
Slide 11: Banking: Ensuring stable volumes with a strong focus on profitability
Q4/2025 Results Presentation 5/2/26 11 Banking:Ensuring stable volumes with a strong focus on profitability Banking Growth drivers ROE Margin growth, Leasing, hire purchase Margin growth, stability and factoring stability Stable lending volumes RoTE Prudent risk management >10% 2025 2029 Capital exc
Slide 12: Banking: Profitable growth from SME financing products
Q4/2025 Results Presentation 5/2/26 12 Banking:Profitable growth from SME financing products Step change through new channels, new products and increase in sales force Leasing, hire purchase and factoringuplift Key highlights Aktia currentlyhas a €0.5bn loan portfolio in leasing, hirepurchase Trucks
Slide 13: Summary
Q4/2025 Results Presentation 5/2/26 13 Summary • Stable quarter marked by solid operating income • AuMincreased, with positive development in international sales • Aktia’stwofold business model focuses on growth and scale: • Life & Wealth: strong growth potential in capital -light businesses • Banki
Slide 14: Financial overview
Q4/2025 Results Presentation 5/2/26 14 Financial overview
Slide 15: Aktia writes down Taaleri-related intangible assets and part of goodwill
Q4/2025 Results Presentation 5/2/26 15 Aktia writes downTaaleri-related intangible assets and part of goodwillas a result ofclarified strategic priorities – no impact on comparable result • Aktia continues to implement its strategy by investing in growth in prioritised strategic customer segments, p
Slide 16: Financial summary
Q4/2025 Results Presentation 5/2/26 16 Financial summary Q4/2025 Q4/2024 ∆ Q3/2025 ∆ 1–12/2025 1–12/2024 ∆ Total operating income 75.6 78.7 -4% 73.5 3% 295.8 308.8 -4% Net interest income 34.9 38.1 -8% 34.0 3% 138.8 152.0 -9% Net commission income 32.3 32.5 -1% 31.2 3% 124.6 124.3 0% Net income from
Slide 17: Comparable operating income by segment
Q4/2025 Results Presentation 5/2/26 17 Comparable operating income by segment Comparable operating income,-o-Q Q EUR million 95 71.8 75.6 2.2 66.3 64.4 73.5 75 55 51.3 50.3 52.1 51.1 50.0 35 21.1 19.7 18.9 19.5 19.5 15 7.0 7.2 8.7 -1.7 8.9 8.6 -2.8 -3.0 -1.5 -2.8 -2.9 -2.4 -2.8 -5 -1.9 Q4/2024 Q1/20
Slide 18: Net income from life insurance
Q4/2025 Results Presentation 5/2/26 18 Net income from life insurance Net income from life insurance,-o-Q Q EUR million 10 9 8 7 6 5 4 8.0 8.2 7.8 3 6.3 6.5 2 1 0 Q4/2024 Q1/2025 Q2/2025 Q3/2025 Q4/2025
Slide 19: Composition of net commission income
Q4/2025 Results Presentation 5/2/26 19 Composition of net commission income EUR million 35 32.5 32.3 30.8 31.2 2.0 30.3 2.0 30 1.8 1.8 2.5 1.7 2.5 2.4 2.5 2.6 25 6.2 6.8 6.8 6.8 Other 6.6 20 4.6 Lending 2.8 3.4 2.9 3.0 Card, payment services and borrowing 15 Asset management and securities brokerage
Slide 20: Composition of net interest income
Q4/2025 Results Presentation 5/2/26 20 Composition of net interest income EUR million 110 38.1 90 35.2 34.7 34.0 34.9 70 Lending 86.1 Deposits 50 76.3 66.9 70.6 67.3 Covered bonds 30 Senior financing Liquidity portfolio 10 1.0 0.8 7.6 1.7 6.1 1.9 6.3 0.4 5.0 4.3 Liabilities to central banks -1.3 -1.
Slide 21: Credit loss provisions EUR 5.9 million
Q4/2025 Results Presentation 5/2/26 21 Credit loss provisions EUR 5.9 million • The majority ofthe loan Change in expected credit losses (ECL) –112/2025 book consists of household EUR million 16.8 0.0 loans secured by -0.4 residential or real estate Interest- Interest- bearing 50.8 collateral. beari
Slide 22: Continued focus on cost control
Q4/2025 Results Presentation 5/2/26 22 Continued focus on cost control • Comparable operating expenses Comparable operating expenses Q4 /2025 vs Q4/2024 remained at the previous year's EUR million level. • Comparable personnel costs decreased slightly due to a lower 46.1 0.0 1.2 46.0 number of emplo
Slide 23: CET1 ratio 12.6%
Q4/2025 Results Presentation 5/2/26 23 CET1 ratio 12.6% % % 16.0 9 13.0 12.8 13.0 12.6 14.0 11.5 11.9 12.0 11.3 11.4 12.0 8.8 8.7 10.0 6 8.6 8.6 8.6 8.6 8.6 7.7 7.7 8.0 6.0 3 4.0 2.0 0 0.0 31 Dec 2023 31 Mar 2024 30 Jun 2024 30 Sep 2024 31 Dec 2024 31 Mar 2025 30 Jun 2025 30 Sep 2025 31 Dec 2025 Buf
Slide 24: Funding activities
Q4/2025 Results Presentation 5/2/26 24 Funding activities • The liquidity situation at Aktia remained very strong (LCR 212% at the end of Q4) and hence the funding activities were relatively subdued during the period. • Aktia issued six new private placement transactions of approximately EUR 182 mil
Slide 25: Aktia's sustainability strategy is built around people
Aktia’ssustainability strategy is built around people, both our customers and our own employees. We want to contribute - to w being and the stability of society, because in a stable society, individuals, companies and organisations can grow and . thrive SUSTAINABILITY TARGETS 2029 People Our custome
Slide 26: Outlook 2026
Q4/2025 Results Presentation 5/2/26 26 Outlook 2026 Aktia's comparable operating profit for 2026 is expected to remain approximately at the same level as the comparable operating profit for 2025, EUR 106.0 million. The outlook has been prepared based on the following assumptions: • The asset managem
Slide 27: Financial calendar
Q4/2025 Results Presentation 5/2/26 27 Financial calendar 2026 Financial calendar Annual Report 2025 (incl. Pillar III Report) 11 March 2026 Annual General Meeting 1 April 2026 Interim Report Jan –Mar 2026 30 April 2026 Half-year Report Jan–Jun 2026 30 July 2026 Interim Report Jan –Sep 2026 30 Octob
Slide 28: Building wealth for our customers and society
2 5 / 8 Facebook Twitter LinkedIn YouTube 2 / 2 6 Building wealth for our customers and society Investor Relations contacts Oscar Taimitarha Director, Investor Relations +358 40 562 2315 oscar.taimitarha@aktia.fi
Slide 29: Appendices
Q4/2025 Results Presentation 5/2/26 29 Appendices
Slide 30: AuM figures
Q4/2025 Results Presentation 5/2/26 30 AuM figures Assets under management EUR billion Mandates Fund Assets Other* Total Gross AuM QoQ Growth QoQ Growth % Total Net AuM 31 Dec 2024 5.7 9.0 1.4 16.2 -0.4 -2.2% 13.5 31 Mar 2025 5.4 9.1 1.2 15.7 -0.5 -2.8% 13.0 30 Jun 2025 5.4 9.2 1.3 15.9 0.2 1.3% 13.
Slide 31: Sound funding profile
Q4/2025 Results Presentation 5/2/26 31 Sound funding profile Capital market Other long-term 4.1% loans 0.8% Covered bonds 27.7% Total Customer deposits 9,375 45.2% EUR million Senior debt 20.2% Short term + REPOs 0.9% Subordinated debts ECB 1.1% 0.0%
Slide 32: Balance sheet total EUR 11,980 million
Q4/2025 Results Presentation 5/2/26 32 Balance sheet total EUR 11,980 million Total assets Total liabilities and equity EUR million EUR million 14,000 14,000 11,904 11,980 11,904 11,980 12,000 12,000 Deposits from the public and public-sector entities Liabilities to central banks 10,000 10,000 Lendi
Slide 33: Households account for the majority of lending and deposits
Q4/2025 Results Presentation 5/2/26 33 Households account for the majority of lending and deposits Lending to the public and public sector entities Deposits from the public and public sector entities 43; 57; 200; 1% 1% 5% 1,162; 15% Households 1,065; 26% Households 1,639; Total Corporates Total Corp
Slide 34: Q4/2025 Results Presentation
Q4/2025 Results 5/2/26 34 Presentation