Aktia Bank Plc Class A · OMXHEX:AKTIA
Aktia Bank Plc Class A — Q3 2026 Earnings Presentation
27 slides from Aktia Bank Plc Class A's earnings presentation, Oct 30, 2026
Slide 1: Q3 Results
30 OCTOBER 2026 Q3 Results Anssi Huhta, CEO Sakari Järvelä, CFO
Slide 2: Q3 highlights
Q3/2026 Results Presentation 30/10/26 2 Q3highlights • Aktia'sbusiness developed steadily and AuMreached a new record high of EUR 18.2 billion. • Customer experience received very good ratings in the 2026 EPSI Rating survey. • Comparable operating profit EUR 22.5 million. • Net commission income EUR
Slide 3: Stable result YTD; Q3 impacted by interest rate volatility
Q3/2026 Results Presentation 30/10/26 3 StableresultYTD; Q3impactedby interestratevolatility Comparable operating profit 2022 –2026 EUR million 124.7 124.5 120.0 104.8 106.0 100.0 Q4 23.7 84.8 80.0 65.2 Q3 22.5 Q3 27.4 60.0 40.0 Q2 26.2 Q2 43.7 20.0 Q128.7 Q118.7 0.0 2022 2023 2024 2025 2026 Restate
Slide 4: Record-high assets under management
Q3/2026 Results Presentation 30/10/26 4 Record-highassets undermanagement • AuMreached a new record high of Assets under Management EUR 18.2 billion. EUR billion 20 • Net sales for the quarter amounted to EUR 124 million, with particularly strong sales in the Private Banking 18.2 18.1 business. 16 1
Slide 5: Strategy & business areas
Q3/2026 Results Presentation 30/10/26 5 Strategy& businessareas
Slide 6: Two complementary engines focusing on growth and scale
Q3/2026 Results Presentation 30/10/26 6 Two complementary engines focusing on growth and scale Life & Wealth Banking Capital-light Stability
Slide 7: Systematic customer work strengthens Aktia's competitive position
Q3/2026 Results Presentation 30/10/26 7 Systematic customer work strengthens Aktia's competitive pos EPSI shows a strong competitive position, supported by Aktia’s own customer surveys. EPSI 2026 highlights Own customer surveys reinforce the findings Aktia leads B2B across key customer experience me
Slide 8: Q3 Achievements
Q3/2026 Results Presentation 30/10/26 8 Q3Achievements Life & Wealth Banking Record-high assets under management. Growth in leasing and hire purchase financing continued. Both risk insurance and unit-linked insurance Solid loan portfolio showed its strength: credit losses developed well, fully in li
Slide 9: Financial overview
Q3/2026 Results Presentation 30/10/26 9 Financial overview
Slide 10: Financial summary
Q3/2026 Results Presentation 30/10/26 10 Financial summary Q3/2026 Q3/2025 ∆ Q2/2026 ∆ 1–9/2026 1–9/2025 ∆ Comparable operating income 70.4 73.5 -4% 82.1 -14% 217.4 220.0 -1% Net interest income 31.9 34.0 -6% 33.1 -4% 97.0 103.9 -7% Net commission income 31.1 31.2 0% 32.5 -4% 96.0 92.3 4% Net income
Slide 11: Net income from life insurance
Q3/2026 Results Presentation 30/10/26 11 Net income from life insurance EUR million 15 14.1 10 8.2 7.8 Result from run -off insurance contracts & net investment result 1.6 7.6 2.0 5.7 Result from investment 5 2.4 2.6 contracts 2.5 2.6 2.5 Result from risk insurance contracts 1.1 4.1 3.3 2.8 3.8 3.5
Slide 12: Composition of net commission income
Q3/2026 Results Presentation 30/10/26 12 Composition of net commission income EUR million 35 32.3 32.3 32.5 31.2 31.1 2.0 2.4 1.9 30 1.8 1.8 2.5 2.5 2.8 2.5 2.5 25 6.8 6.5 6.8 6.4 6.1 Other 20 3.4 3.0 3.1 2.2 Lending 2.8 Card, payment services and borrowing 15 Asset management and securities brokera
Slide 13: Composition of net interest income
Q3/2026 Results Presentation 30/10/26 13 Composition of net interest income EUR million 110 90 70 Lending 67.3 66.9 66.4 69.2 63.5 Deposits 50 34.0 34.9 32.0 33.1 31.9 Covered bonds 30 Senior financing Liquidity portfolio 10 1.1 0.4 5.0 1.0 4.3 0.0 0.8 4.1 Liabilities to central banks 3.8 3.7 -14.7
Slide 14: Costs developed as expected and remain under control
Q3/2026 Results Presentation 30/10/26 14 Costs developed as expected and remain under contro • Comparable operating expenses Comparable operating expenses–9/2026 1 6% higher than last year. EUR million • Personnel costs increased mainly 2.3 136.0 due to contractual salary 2.3 1.3 increases. 2.1 127.
Slide 15: Robust asset quality: Credit loss provisions EUR -1.5 million in Q3
Q3/2026 Results Presentation 30/10/26 15 Robust asset quality: Credit loss provisions EUR -1.5million in Q3 Change in expected credit losses (ECL) –19/2026 EUR million • The majority of the loan book consists of household 50.8 loans withresidential or real estate collateral . -2.0 0.4 0.5 0.1 Loan b
Slide 16: CET1 ratio
Q3/2026 Results Presentation 30/10/26 16 CET1 ratio 12. 6% % 15 13.0 12.8 13.0 12.6 12.8 12.6 11.9 12.0 12.0 12 8.6 8.6 8.6 8.7 8.6 8.6 8.7 8.7 8.7 9 6 3 0 30 Sep 2024 31 Dec 2024 31 Mar 2025 30 Jun 2025 30 Sep 2025 31 Dec 2025 31 Mar 2026 30 Jun 2026 30 Sep 2026 Buffer CET1 Capital ratio CET1 requi
Slide 17: Funding activities
Q3/2026 Results Presentation 30/10/26 17 Funding activities • Aktia'sliquidity position remained strong, with an LCR of 223% at 30 September 2026. • No new long-term funding transactions were executed during the quarter. • Aktia continues to monitor the senior preferred private placement market in p
Slide 18: S&P Global Ratings affirmed Aktia's ratings and raised the outlook to stable
Q3/2026 Results Presentation 30/10/26 18 S&P Global Ratings affirmed Aktia’sratings and raised the outlook from negative to stable • On 28 October 2026, S&P Global Ratings revised its outlook on Aktia from negative to stable. • Aktia’s'A-/A-2' long-term and short -term issuer credit ratings were aff
Slide 19: Outlook 2026 (unchanged)
Q3/2026 Results Presentation 30/10/26 19 Outlook 2026 (unchanged) 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. (Published 30 July 2026) The outlook is based on t
Slide 20: Investor Relations contacts
Facebook Twitter LinkedIn YouTube Investor Relations contacts Oscar Taimitarha Director, Investor Relations +358 40 562 2315 oscar.taimitarha@aktia.fi
Slide 21: Appendices
Q3/2026 Results Presentation 30/10/26 21 Appendices
Slide 22: AuM figures
Q3/2026 Results Presentation 30/10/26 22 AuMfigures Assets under Management of which legacy- EUR billion Mandates Fund Assets Taaleri closed- Other* Total Gross AuM QoQ Growth QoQ Growth % Total Net AuM end funds 30 Sep 2025 5.6 9.4 1.3 1.4 16.3 0.4 2.3% 13.5 31 Dec 2025 5.6 9.7 1.3 1.4 16.6 0.3 2.0
Slide 23: Sound funding profile
Q3/2026 Results Presentation 30/10/26 23 Sound funding profile Capital market Other long- 3.4% term loans 0.9% Covered bonds 28.2% Total Customer deposits 8,865 45.4% EUR million Senior debt 19.0% Short term + REPOs Subordinated 2.0% debts 1.1%
Slide 24: Balance sheet total EUR 11,940 million
Q3/2026 Results Presentation 30/10/26 24 Balance sheet total EUR 11,940 million Total assets Total liabilities and equity EUR million EUR million 14,000 14,000 11,980 11,940 11,980 11,940 12,000 12,000 Deposits from the public and public-sector entities Liabilities to central banks 10,000 10,000 Len
Slide 25: Households account for the majority of lending and deposits
Q3/2026 Results Presentation 30/10/26 25 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; 61; 235; 1,026; 0% 2% 6% 13% 921; 23% Households Households 1,732; Total Corporates Total Corp
Slide 26: 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 27: Q3/2026 Results Presentation
Q3/2026 Results 30/10/2627 Presentation