Aktia Bank Plc Class A · OMXHEX:AKTIA
Aktia Bank Plc Class A — Debt Investor Presentation (November 2025)
43 slides from Aktia Bank Plc Class A's debt investor presentation, Nov 6, 2025
Slide 1: Aktia Q3 Results Debt Investor Presentation
6 NOVEMBER 2025 Aktia Q3 Results Debt Investor Presentation
Slide 2: Q3 highlights
Q3/2025 Debt investor presentation 06 Nov 2025 2 Q3highlights • Another stable quarter in terms of results: Comparable operating profit EUR 27.4 million. • Net commission income at a slightly higher level than last year. • NII decreased as expected due to lower market rates. • AuM increased to EUR 1
Slide 3: Q3/2025 Debt investor presentation 06 Nov 2025
Q3/2025 Debt investor presentation 06 Nov 2025 3
Slide 4: Our communicated ambitions
Q3/2025 Debt investor presentation 06 Nov 2025 4 Ambition:Our communicated ambitions Grow number GrowAssets GrowNet Achieve of Premium under commission operating profit and Private management income run-rate Banking improvement customers +2% annual growth €20B by end of 2027 +5% annual growth +€20M
Slide 5: Stable third quarter in terms of results - in line with previous quarters
Q3/2025 Debt investor presentation 06 Nov 2025 5 Stable third quarter in terms of results - in line with previous quarters Comparable operating profit 2021 –2025 EUR million 124.7 124.5 120.0 104.8 Q4 28.3 100.0 87.4 82.3 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
Slide 6: Business areas
Q3/2025 Debt investor presentation 06 Nov 2025 6 Business areas
Slide 7: Strengthening international presence
Q3/2025 Debt investor presentation Asset Management Banking Life Insurance 06 Nov 2025 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.
Slide 8: Loan book remained stable
Q3/2025 Debt investor presentation Asset Management Banking Life Insurance 06 Nov 2025 8 Loan book remained stable • The total loan book margin remained at a good Development of the Group’s credit portfolio -o-QQ level. EUR million EUR million • In the corporate customer business, the strong 7,793 7
Slide 9: Positive development of life insurance business continued
Q3/2025 Debt investor presentation Asset Management Banking Life Insurance 06 Nov 2025 9 Positive development of life insurance business continued • Net income from life insurance decreased from Net income from life insurance,-o-Q Q last year due to a lower net investment result, EUR million as a re
Slide 10: ESG
Q3/2025 Debt investor presentation 06 Nov 2025 10 ESG
Slide 11: Sustainability-driven success for the leading wealth manager
Q3/2025 Debt investor presentation 06 Nov 2025 11 Sustainability -driven success for the = 2025 target achieved leading wealth manager Prosperity & Planet People Principles of Governance Share of SFDR Article 8 and 9 classified funds Q2/2025 Q1/2025 Aktia’s ESG ratings eNPS* Target: increase the sha
Slide 12: Financial overview
Q3/2025 Debt investor presentation 06 Nov 2025 12 Financial overview
Slide 13: Financial summary
Q3/2025 Debt investor presentation 06 Nov 2025 13 Financial summary Q3/2025 Q3/2024 ∆ Q2/2025 ∆ 1–9/2025 1–9/2024 ∆ Total operating income 73.5 76.1 -3% 73.3 0% 220.3 230.1 -4% Net interest income 34.0 36.1 -6% 34.7 -2% 103.9 114.0 -9% Net commission income 31.2 30.9 1% 30.3 3% 92.3 91.8 1% Net inco
Slide 14: Composition of net interest income
Q3/2025 Debt investor presentation 06 Nov 2025 14 Composition of net interest income EUR million 110 36.1 38.1 35.2 34.7 34.0 Lending 60 90.2 86.1 Deposits 76.3 70.6 67.3 Covered bonds Senior financing 10 9.0 4.4 7.6 1.7 0.4 1.0 Liquidity portfolio 6.1 1.9 6.3 5.0 -1.4 -1.3 -18.8 -1.5 -16.2 -1.5 -14
Slide 15: Composition of net commission income
Q3/2025 Debt investor presentation 06 Nov 2025 15 Composition of net commission income EUR million 35 32.5 30.9 30.8 30.3 31.2 2.0 30 1.9 1.8 1.7 1.8 2.5 2.5 2.2 2.4 2.6 25 6.2 7.1 6.8 6.6 6.8 Other 20 4.6 Lending 2.6 2.9 3.0 2.8 Card, payment services and borrowing 15 Asset management and securitie
Slide 16: Households account for the majority of lending and deposits
Q3/2025 Debt investor presentation 06 Nov 2025 16 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; 1% 2% 5% 1,158 ; 15% Households 996; 24% Households 1,567; Total Corporates
Slide 17: Continued focus on cost control
Q3/2025 Debt investor presentation 06 Nov 2025 17 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
Slide 18: Credit loss provisions were EUR 3.8 million
Q3/2025 Debt investor presentation 06 Nov 2025 18 Credit loss provisions were EUR 3.8 million • The majority of the loan Change in expected credit losses (ECL) 1–9/2025 book consists of household EUR million loans secured by 11.4 0.0 residential or real estate -0.3 collateral. Interest- Interest- be
Slide 19: The Debt Investment case
Q3/2025 Debt investor presentation 06 Nov 2025 19 The Debt Investment case
Slide 20: Rating updates
Q3/2025 Debt investor presentation 06 Nov 2025 20 Rating updates • Moody's Ratingsaffirmed Aktia Bank Plc's ratings for long-term borrowing at A2 and short -term borrowing at -P1. • S&P Global Ratings affirmed Aktia Bank Plc’s ratings for long-term borrowing at -Aand short-term borrowing at A -2. •
Slide 21: Balance sheet total EUR 12,327 million
Q3/2025 Debt investor presentation 06 Nov 2025 21 Balance sheet total EUR 12,327 million Total assets Total liabilities and equity EUR million EUR million 14,000 14,000 12,327 12,327 11,904 11,904 12,000 12,000 Deposits from the public and public-sector entities Liabilities to central banks 10,000 1
Slide 22: Changes in risk-weighted assets
Q3/2025 Debt investor presentation 06 Nov 2025 22 Changes in risk -weightedassets Risk-weighted assets (RWA) decreased in Q1, and Impact of methodology changes 2025 increased as expected again in Q3. RWA RWA decreased as a result of the new CRR3 Capital Requirement Regulation. 3,500 3,413 Aktia swit
Slide 23: CET1 ratio increased
Q3/2025 Debt investor presentation 06 Nov 2025 23 CET1 ratio increased • CET1 ratio was 13.0% and 4.4 percentage points above the regulatory requirement. • Total capital ratio was 17.8% (16.6 in Q4 2024)
Slide 24: Other regulative requirements
Q3/2025 Debt investor presentation 06 Nov 2025 24 Other regulative requirements Aktia Bank Group’s leverage ratio was 4.7% (Q4/2024 4.6%) as of 30 September 2025. • Tier 1 capital EUR 483.8 million • Total exposures EUR 10,405.1 million On 25 March 2025 the Finnish Financial Stability Authority has
Slide 25: Funding activities
Q3/2025 Debt investor presentation 06 Nov 2025 25 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 bench
Slide 26: Sound funding profile
Q3/2025 Debt investor presentation 06 Nov 2025 26 Soundfundingprofile • Borrowing from the public and public -sector The Group’s funding structure 30 September 2025 (EUR million) entities was at EUR 4,122 (4,084) million. Capital market Other long-term 4.5% • The value of bonds (SP, SNP and CB) issu
Slide 27: Redemption schedule
Q3/2025 Debt investor presentation 06 Nov 2025 27 Redemption schedule • LTRO EUR 250 million was paid back in October. • Some of the maturing senior bond issues will be financed with new issues but changes in the funding mix are possible. • Next benchmark covered bond issue redeems in March 2026.
Slide 28: High-quality liquidity reserve
Q3/2025 Debt investor presentation 06 Nov 2025 28 High-qualityliquidyreserve The Liquidity Coverage ratio (LCR) was 235% due to solid liquidity situation. • The unencumbered assets in the UnencumberedLiquidity reserve, marketvalue liquidity portfolio, which can be EUR million 30 Sep 2025 31Dec 2024
Slide 29: Low risk liquidity portfolio
Q3/2025 Debt investor presentation 06 Nov 2025 29 Lowrisk liquidityportfolio The liquidity portfolio consists Rating distribution 30 September 2025 of high-quality assets that can be used to meet liquidity requirements in stressed situations. Assets are: • LCR and ECB eligible covered and SSA notes
Slide 30: Aktia Bank as covered bond issuer
Q3/2025 Debt investor presentation 06 Nov 2025 30 Aktia Bank as covered bond issuer Aktia Bank is issuing the Covered bonds as • Aktia Bank issued the first EUR denominated covered bond in 2004 mortgage bank under the Finnish Covered bond • The Aktia Bank mortgage loan portfolio is of very high qual
Slide 31: Aktia Cover pool
Q3/2025 Debt investor presentation 06 Nov 2025 31 Aktia Coverpool 1Q 2025 Pool 1 (2023-) Pool 2 (2014-2022) Lappi 0.2% Asset Pool Balance EUR 1,699 bln. (no substitute assets) EUR 1,200 bln. (no substitute assets) Cover pool No of loans / average loan balance 21,335/ EUR 79,616 8,156/ EUR 147,149 as
Slide 32: Finland Macro and Housing market update
Q3/2025 Debt investor presentation 06 Nov 2025 32 Finland Macro andHousing marketupdate
Slide 33: Economic sentiment
Q3/2025 Debt investor presentation 06 Nov 2025 33 Economic sentiment (1) (-46)
Slide 34: Current account is positive
Q3/2025 Debt investor presentation 06 Nov 2025 34 Current account is positive
Slide 35: Gross domestic product behind trend
Q3/2025 Debt investor presentation 06 Nov 2025 35 Gross domestic product behind trend Aktia GDP forecast: 2025: +0.6% 2026: +1.5% 2027: +1.5%
Slide 36: Inflation is not a cause for concern
Q3/2025 Debt investor presentation 06 Nov 2025 36 Inflationis nota causefor concern
Slide 37: Labour market is stabilising
Q3/2025 Debt investor presentation 06 Nov 2025 37 Labour market is stabilising Unemployment is still high (9,1%)
Slide 38: Finnish household indebtedness decreasing
Q3/2025 Debt investor presentation 06 Nov 2025 38 Finnish household indebtedness decreasing
Slide 39: Residential construction at lows
Q3/2025 Debt investor presentation 06 Nov 2025 39 Residential construction at lows
Slide 40: Some pick-up in real estate activity
Q3/2025 Debt investor presentation 06 Nov 2025 40 Some pick-up in real estate activity
Slide 41: Housing market has been challenging
Q3/2025 Debt investor presentation 06 Nov 2025 41 Housing market has been challenging
Slide 42: Housing market comparison
Q3/2025 Debt investor presentation 06 Nov 2025 42 Housing market comparison
Slide 43: Building wealth for our customers and society
4 0 6 3 FacebookTwitter LinkedIn YouTube N o v 2 0 2 5 Building wealth for our customers and society Timo Ruotsalainen, Head of Treasury +358 10 247 7211 timo.ruotsalainen@aktia.fi
Aktia Bank — Debt Investor Presentation (November 2025) on 6ix