Aktia Bank Plc Class A · OMXHEX:AKTIA
Aktia Bank Plc Class A — Aktia Pankki — Q3 2025 Earnings Presentation
28 slides from Aktia Bank Plc Class A's earnings presentation, Nov 6, 2025
Slide 1: Result
Result Anssi Huhta, CEO Sakari Jarvela, CFO
Slide 2: Q3 highlights
Aktia 3/2025 Results Presentation Q3 highlights * Another stable quarter in terms of results: Comparable operating profit EUR 274 million. * Net commission income at a slightly higher level than last year. * Nil decreased as expected due to lower market rates. * AuM increased to EUR 16.3 billion dur
Slide 3: Trends shaping our operations
TRENDS SHAPING OUR OPERATIONS: Times of unrest Wealth on the move Mind and machine VISION: The leading wealth manager empowered by a strong banking heritage. MISSION: To democratise private banking services and build wealth for our customers and society. The Aktia Experience OUR STRATEGIC PRIORITIES
Slide 4: Stable third quarter in terms of results
Aktia 3/2025 Results Presentation e/t/28 he Stable third quarter in terms of results — in line with previous quarters Comparable operating profit 2021-2025 EUR million 124.7 124.5 120.0 100.0 87.4 82.3 80.0 Q3315 65.2 60.0 ~ 40.0 : 0.0 2021 2022 2023 2024 2025 Restated according to the accounting st
Slide 5: Sustainability-driven success for the leading wealth manager
Aktia Sustainability-driven success for the Q3/2025 Results Presentation leading wealth manager 6/11/25 5 = 2025 target achieved Prosperity & Planet People Principles of Governance Share of SFDR Article 8 and 9 classified funds at eNPS* Q2/2025 Q1/2025 Aktia’s ESG ratings Target: increase the share
Slide 6: Business areas
Business | areas
Slide 7: Strengthening international presence
Aktia 3/2025 Results Presentation ‘Asset Management Banking Life Insurance 6/11/25 7 Strengthening international presence * AuM increased in Q3 thanks to positive net AuM development subscriptions and market changes. EUR billion * Net subscriptions were positive in all key 20 customer segments. 18 4
Slide 8: The total loan book margin remained at a good level
Aktia 3/2025 Results Presentation The total loan book margin remained at a good level. In the corporate customer business, the strong growth in leasing, factoring, and hire purchase continued. We continued to attract new customers and customer satisfaction among bank customers is particularly high.
Slide 9: Positive development of life insurance business continued
Aktia 3/2025 Results Presentation Asset Management Banking Life Insurance 6/11/25 9 Positive development of life insurance business continued * Net income from life insurance decreased from last year due to a lower net investment result, as a result of negative value changes for real 10 estate and c
Slide 10: Summary
Aktia Q3/2025 Results Presentation Summary * Stable quarter in terms of results. ° Positive net subscriptions in all key customer segments and a positive market development. * New customers and new shareholders. * Good development within business areas. * Focus on stability and long-term value creat
Slide 11: Aktia Financial overview
Q3/2025 Results Presentation, 6/11/25 W Aktia Financial overview
Slide 12: Financial summary
Aktia 3/2025 Results Presentation 6/11/28 » Financial summary Q3/2024 A A 2025 — 1-9/2024 A Total operating income 73.5 761 -3% 73.3 0% 220.3 2301 4% Net interest income 34.0 36.11 -6% 34.7 2% 103.9 114.0 -9% Net commission income 12 30.9 % 30.3 3% 92.3 918 % Net income from life insurance 8.2 89 8%
Slide 13: Composition of net commission income
Aktia 3/2025 Results Presentation 6/11/25 B Composition of net commission income EUR million 35 oF 32.5 30.9 a0 30.8 30.3 31.2 30 + ' 18 17 18 25 F 6.2 68 66 68 Other 20 + 46 39 28 Lending “S 3.0 Card, payment services and borrowing 15 ™ Asset management and securities brokerage = Mutual funds 10 5
Slide 14: Composition of net interest income
Aktia Q3/2025 Results Presentation Composition of net interest income EUR million n10 60 10 36.1 381 - : : ° 90-44 7 10 04 10 a 43 45 bas 7 3/2024 04/2024 1/2025 2/2025 3/2025 6/11/25 14 Lending Deposits ™ Covered bonds Senior financing Liquidity portfolio Liabilities to central banks = Other (mainl
Slide 15: Continued focus on cost control
Aktia 3/2025 Results Presentation 6/11/28 16 Continued focus on cost control * Comparable operating expenses Comparable operating expenses Q3/2025 vs Q3/2024 decreased by 1% compared to last EUR million year. * IT expenses increased by 11% due to continued investments in IT infrastructure and the ef
Slide 16: Credit loss provisions were EUR 3.8 million
Aktia Q3/2025 Results Presentation Credit loss provisions were EUR 3.8 million The majority of the loan book consists of household loans secured by residential or real estate collateral. Credit losses increased, mainly due to individual impairments on a small number of credits. Annualised net credit
Slide 17: Changes in risk-weighted assets
Aktia 3/2025 Results Presentation increased as expected again in Q3. Regulation. 6/11/25 7 Changes in risk-weighted assets Risk-weighted assets (RWA) decreased in Q1, and Impact of methodology changes 2025 RWA RWA decreased as a result of the new CRR3 Capital Requirement 3500 5 3,413 Aktia switched
Slide 18: CET1 ratio 13.0%
Aktia 3/2025 Results Presentation CET1 ratio 13.0% 6/11/25 18 CET1 % % 16.0 9 13.0 12.8 13.0 14.0 1.9 12.0 no 13 1.4 ns 12.0 6 8.8 86 8.6 8.6 87 86 10.0 7 7 7 a0 6.0 3 4.0 20 O 0.0 30Sep 2023 = 31Dec 2023.» 31Mar2024 30Jun2024 30Sep 2024 31Dec2024 31Mar2025 30Jun2025 30 Sep 2025 lH Buffer, Ihs CET!
Slide 19: Rating updates
Aktia 3/2025 Results Presentation Rating updates * Moody's Ratings affirmed Aktia Bank Plc's ratings for long-term borrowing at A2 and short-term borrowing at P-1. ¢ S&P Global Ratings affirmed Aktia Bank Ple’s ratings for long-term borrowing at A- and short-term borrowing at A-2. * Atthe same time,
Slide 20: Funding activities
Aktia 3/2025 Results Presentation Funding activities * The liquidity situation at Aktia remained very strong (LCR 235% at the end of Q3). ¢ Aktia Bank successfully issued another benchmark size Covered Bond transaction in September. The transaction was the first intraday issued benchmark transaction
Slide 21: Outlook 2025
Aktia 3/2025 Results Presentation Outlook 2025 Aktia’s comparable operating profit for 2025 is expected to be lower than the comparable operating profit for 2024, which amounted to EUR 124.5 million. (Published: 12 February 2025) The outlook has been prepared based on the following assumptions (upda
Slide 22: Investor Relations contacts
Lf [Xin] a} Building wealth for our customers and society Investor Relations contacts Oscar Taimitarha Director, Investor Relations +358 40 562 2315 oscar.taimitarha@aktia-fi Aktia
Slide 23: Aktia Q3/2025 Results Presentation
Akt la Q3/2025 Results Presentation 6/11/25 23
Slide 24: AuM figures
Aktia 3/2025 Results Presentation e/28 AuM figures Assets under Management EUR billion Mandates Fund Assets Other* Total Gross AuM QoQ Growth QoQ Growth % Total Net AuM 30 Sep 2024 5.8 9.2 15 165 0.3 18% 138 31 Dec 2024 57 9.0 14 16.2 “04 2.2% 13.5 31 Mar 2025 54 91 12 15.7 -0.5 2.8% 13.0 30 Jun 202
Slide 25: Sound funding profile
Aktia 3/2025 Results Presentation Sound funding profile Capital market Other long-term 45% loans 0.8% Covered bonds 26.7% Total customer 9,375 deposits ’ 44.0% EUR million Senior debt 19.5% Short term + REPOs 0.7% Subordinated debts 11% ECB 2.7% 6/11/25 25
Slide 26: Balance sheet total EUR 12,327 million
Aktia Q3/2025 Results Presentation 6/11/25 26 Balance sheet total EUR 12,327 million Total assets EUR million 14,000 11,904 12,000 10,000 8,000 6,000 4,000 2,000 31 Dec 2024 12,327 30 Sep 2025 ™ Lending to the public and public sector entities = Liquidity portfolio Life insurance assets incl. Unit L
Slide 27: Households account for the majority of lending and deposits
Aktia 3/2025 Results Presentation es 27 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 78; 61; 218; 1158; 1% 1% 5% + cy : = Households 996; 24 = Households Total Corporates Total ™ Corpo
Slide 28: Aktia
Aktia