Aktia Bank Plc Class A · OMXHEX:AKTIA
Aktia Bank Plc Class A — Q2 2026 Earnings Presentation
30 slides from Aktia Bank Plc Class A's earnings presentation, Jul 30, 2026
Slide 1: Q2 Results
30 JULY 2026 Q2 Results Anssi Huhta, CEO Sakari Järvelä, CFO
Slide 2: Q2 highlights
Q2/2026 Results Presentation 30/7/26 2 Q2highlights • Strong comparableoperating profit EUR 43.7 million. • Net commission income increased by 7%, mainly driven by higher income from funds. • Net interest income trend turned upward: NII increased by 3% compared to Q1/2026, although it decreased by 5
Slide 3: Strong Q2 result – comparable operating profit 67% higher than last year
Q2/2026 Results Presentation 30/7/26 3 Strong Q2 result – comparable operating profit 67% higher than last year Comparable operating profit 2022 –2026 EUR million 124.7 124.5 120.0 104.8 106.0 100.0 Q4 23.7 80.0 65.2 Q3 27.4 62.4 60.0 40.0 Q2 26.2 Q2 43.7 20.0 Q128.7 Q118.7 0.0 2022 2023 2024 2025 2
Slide 4: Record-high assets under management
Q2/2026 Results Presentation 30/7/26 4 Record-highassets undermanagement • AuMincreased by 13% compared to Assets under Management the corresponding quarter last year EUR billion and 9% compared to the previous 20 quarteras a result ofmarket 18.1 fluctuations and strong net sales. 16.3 16.6 16.6 • N
Slide 5: Strategy implementation & business areas
Q2/2026 Results Presentation 30/7/26 5 Strategy implementation& businessareas
Slide 6: From three separately led businesses to two complementary engines
Q2/2026 Results Presentation 30/7/26 6 From three separately ledbusinesses to two complementary engines focusing on growth and scale Banking Life & Wealth Banking Life insurance Asset Management Capital-light growth Margin growth, stability
Slide 7: Q2 Achievements
Q2/2026 Results Presentation 30/7/26 7 Q2Achievements Life & Wealth Banking Record-high assets under management. Growth in leasing and hire purchase financing continued. Excellent development in the life insurance business. The unit-linked assets undermanagement reached a In addition to the impact o
Slide 8: Acceleration programme completed
Q2/2026 Results Presentation 30/7/26 8 Acceleration programme completed • The Momentum acceleration programme has been successful in helping Aktia focus on growth and providing transparency. • Operationally the goals set for the programme have been reached. • Aktia has moved to the next phase beyond
Slide 9: Sustainability
Q2/2026 Results Presentation 30/7/26 9 Sustainability Aktia’svision is to be a leading wealth manager empowered by a strong banking heritage, and we aim for sustainability -driven success. Q2/2026 HIGHLIGHTS Aktia voluntarily continues its reporting Aktia has set science-based climate targets under
Slide 10: Summary
Q2/2026 Results Presentation 30/7/26 10 Summary • Strong comparable operating profit. • NII trend turned upward. • Strong NCI and net income from life insurance. • Record-high assets under management. • International sales progressed according to plan. • Good asset quality, lower credit losses.
Slide 11: Financial overview
Q2/2026 Results Presentation 30/7/26 11 Financial overview
Slide 12: Financial summary
Q2/2026 Results Presentation 30/7/26 12 Financial summary Q2/2026 Q2/2025 ∆ Q1/2026 ∆ 1–6/2026 1–6/2025 ∆ Total operating income 82.1 73.3 12% 64.8 27% 146.9 146.8 0% Net interest income 33.1 34.7 -5% 32.0 3% 65.1 69.9 -7% Net commission income 32.5 30.3 7% 32.3 1% 64.9 61.1 6% Net income from life
Slide 13: Comparable operating income by segment
Q2/2026 Results Presentation 30/7/26 13 Comparable operating income by segment Comparable operating income,-o-Q Q EUR million 95 82.1 0.5 73.5 75.6 73.1 75 64.8 50.0 55 50.1 51.8 49.7 48.5 35 19.6 18.9 19.5 19.5 15 19.3 -1.6 14.9 8.7 8.9 8.6 1.9 -2.8 -1.4 -2.9 -2.2 -2.8 - 2.9 - 2.1 - 2.9 -5 Q2/2025
Slide 14: Net income from life insurance
Q2/2026 Results Presentation 30/7/26 14 Net income from life insurance EUR million 15 14.1 10 8.0 8.2 7.8 Result from run -off insurance contracts & net investment result 1.6 7.6 2.2 2.0 Result from investment 5 2.4 2.6 contracts 2.4 2.5 2.5 Result from risk insurance contracts 1.1 3.4 4.1 3.3 2.8 3
Slide 15: Composition of net commission income
Q2/2026 Results Presentation 30/7/26 15 Composition of net commission income EUR million 35 32.3 32.3 32.5 31.2 30.3 2.0 2.4 1.9 30 1.8 1.7 2.5 2.5 2.8 2.6 2.5 25 6.8 6.5 6.8 6.4 6.6 Other 20 3.4 3.0 3.1 Lending 3.0 2.8 Card, payment services and borrowing 15 Asset management and securities brokerag
Slide 16: Composition of net interest income
Q2/2026 Results Presentation 30/7/26 16 Composition of net interest income EUR million 110 90 70 70.6 Lending 67.3 66.9 66.4 63.5 Deposits 50 34.7 34.0 34.9 32.0 33.1 Covered bonds 30 Senior financing Liquidity portfolio 10 0.8 1.1 6.3 0.4 5.0 1.0 4.3 4.1 3.8 Liabilities to central banks -1.5 - 14.7
Slide 17: Continued focus on cost control
Q2/2026 Results Presentation 30/7/26 17 Continued focus on cost control • Comparable operating expenses Comparable operating expenses Q2 /2026 vs Q2/2025 3% higher than last year. EUR million • Personnel costs increased. • IT expenses increased mainly due to continued investments in IT 0.5 45.1 0.8
Slide 18: Updated models in Q2
Q2/2026 Results Presentation 30/7/26 18 Updatedmodelsin Q2 UpdatedIRB modelsfor householdexposures Updated model for expected credit losses (ECL) • Aktia introduced updated IRB models for household • Aktia introduced an updated models for expected credit exposures. The FIN-FSA approved the new model
Slide 19: Credit loss provisions EUR 6.8 million
Q2/2026 Results Presentation 30/7/26 19 Credit loss provisions EUR 6.8million • The majority ofthe loan Change in expected credit losses (ECL) –16/2026 book consists of household EUR million loans secured by 50.8 residential or real estate collateral. -2.2 • Annualised net credit Loan book stage 1 -
Slide 20: CET1 ratio 12.0%
Q2/2026 Results Presentation 30/7/26 20 CET1 ratio 12. 0% % % 16.0 9 13.0 12.8 13.0 12.6 12.8 14.0 11.9 12.0 12.0 11.5 12.0 8.8 8.7 8.7 8.7 10.0 6 8.6 8.6 8.6 8.6 8.6 8.0 6.0 3 4.0 2.0 0 0.0 30 Jun 2024 30 Sep 2024 31 Dec 2024 31 Mar 2025 30 Jun 2025 30 Sep 2025 31 Dec 2025 31 Mar 2026 30 Jun 2026 B
Slide 21: Funding activities
Q2/2026 Results Presentation 30/7/26 21 Funding activities • The liquidity situation at Aktia remained very strong (LCR 259% at the end of Q2) and hence the funding activities were subdued during the period. • Aktia issued four new private placement transactions of approximately EUR 80 million. • Ak
Slide 22: Outlook 2026
Q2/2026 Results Presentation 30/7/26 22 Outlook 2026 Aktia’scomparable operating profit for 2026 is expected to be approximately at the same level as, or slightly higher than, the comparable operating profit for 2025, EUR 106.0 million. The outlook is based on the following assumptions: • The asset
Slide 23: Investor Relations contacts
Facebook Twitter LinkedIn YouTube Investor Relations contacts Oscar Taimitarha Director, Investor Relations +358 40 562 2315 oscar.taimitarha@aktia.fi
Slide 24: Appendices
Q2/2026 Results Presentation 30/7/26 24 Appendices
Slide 25: AuM figures
Q2/2026 Results Presentation 30/7/26 25 AuMfigures Assets under Management EUR billion Mandates Fund Assets Other* Total Gross AuM QoQ Growth QoQ Growth % Total Net AuM 30 Jun 2025 5.4 9.2 1.3 15.9 -0.3 -1.6% 13.2 30 Sep 2025 5.6 9.4 1.4 16.3 0.4 2.3% 13.5 31 Dec 2025 5.6 9.7 1.4 16.6 0.3 2.0% 13.9
Slide 26: Sound funding profile
Q2/2026 Results Presentation 30/7/26 26 Sound funding profile Capital market Other long-term 3.8% loans 0.8% Covered bonds 28.0% Total Customer deposits 8,933 44.9% EUR million Senior debt 19.1% Short term + REPOs 2.3% Subordinated debts 1.1%
Slide 27: Balance sheet total EUR 12,016 million
Q2/2026 Results Presentation 30/7/26 27 Balance sheet total EUR 12,016 million Total assets Total liabilities and equity EUR million EUR million 14,000 14,000 11,980 12,016 11,980 12,016 12,000 12,000 Deposits from the public and public-sector entities Liabilities to central banks 10,000 10,000 Lend
Slide 28: Households account for the majority of lending and deposits
Q2/2026 Results Presentation 30/7/26 28 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 34; 62; 291; 1,042; 0% 2% 7% 856; 13% 21% Households Households 1,757; Total Corporates Total Corpo
Slide 29: 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 30: Q2/2026 Results Presentation
Q2/2026 Results 30/7/26 30 Presentation