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Aktia Pankki (AKTIA) investor relations material

Aktia Pankki Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
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Q2 2025 earnings summary5 Aug, 2025

Executive summary

  • Comparable operating profit for Q2 2025 was EUR 26.2 million, down 15% year-over-year, mainly due to lower interest rates, but in line with expectations.

  • Assets under management increased to EUR 15.9 billion, supported by positive net subscriptions and market developments.

  • The Momentum acceleration program delivered positive results, with a run-rate improvement of EUR 4 million and a target of EUR 20 million by end-2026.

  • Employee engagement remained strong, with a Net Promoter Score of 29 and a Culture Index of 4.3 out of 5.

  • CEO transition underway, with Carl Haglund appointed and Anssi Huhta serving as interim CEO.

Financial highlights

  • Total operating income for Q2 2025 was EUR 73.3 million, down 4% year-over-year; net interest income fell 11% to EUR 34.7 million.

  • Net commission income was stable year-over-year but slightly weaker sequentially; net income from life insurance rose 9% to EUR 8.0 million.

  • Comparable operating expenses decreased by 1% to EUR 43.7 million, but total operating expenses increased 5% due to non-recurring and marketing costs.

  • Credit loss provisions increased to EUR 3.2 million, mainly from individual impairments.

  • Earnings per share (EPS) for Q2: EUR 0.25 (-24% year-over-year); comparable EPS: EUR 0.29 (-16%).

Outlook and guidance

  • Comparable operating profit for 2025 is expected to be lower than 2024’s EUR 124.5 million, mainly due to lower interest rates.

  • Net interest income is projected to decline; net commission income to remain stable, but market uncertainty could impact results.

  • Life insurance business expected to develop steadily; operating expenses to rise slightly due to IT investments.

  • Credit losses anticipated to stay moderate, though Finnish real estate sector uncertainty poses risk.

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Frequently asked questions

Aktia Pankki Oyj is a Finnish financial services company that provides a wide range of banking, asset management, insurance, and real estate services. The company's core offerings include personal and corporate banking products, such as loans, savings accounts, and payment solutions. Additionally, Aktia offers investment management services, including portfolio management and financial advisory, catering to both individual and institutional clients. It also provides insurance solutions covering life and non-life insurance products. Aktia primarily serves customers in Finland, with a focus on both private and business sectors. The company is headquartered in Helsinki, Finland, and its shares are listed on the NASDAQ.

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