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Aktia Pankki (AKTIA) investor relations material
Aktia Pankki Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary6 Nov, 2025
Executive summary
Management changes included new CEO and executive appointments, with a focus on stabilizing operations and maintaining customer trust.
Delivered a stable quarter with comparable operating profit of EUR 27.4 million, down 13% year-over-year, mainly due to lower net interest income and higher credit losses.
Net commission income rose 1% year-over-year, while net income from life insurance fell 8% due to lower real estate values.
Assets under management increased by 2.3% during the quarter, reaching EUR 16.3 billion, supported by positive net inflows and favorable market conditions.
Premium and private banking segments showed strong customer growth and satisfaction.
Financial highlights
Total operating income for Q3 2025 was EUR 73.5 million, down 3% year-over-year.
Net interest income for Q3 2025 was EUR 34.0 million, down 6% year-over-year; net commission income was EUR 31.2 million, up 1%; net income from life insurance was EUR 8.2 million, down 8%.
Comparable operating expenses decreased by 1% to EUR 42.3 million, with strong cost control.
Credit loss provisions increased to EUR 3.8 million, mainly due to individual impairments.
Comparable earnings per share (EPS) was EUR 0.30, down 13% year-over-year.
Outlook and guidance
Comparable operating profit for 2025 is expected to be lower than 2024’s EUR 124.5 million, mainly due to lower net interest income.
Net commission income is projected to remain stable, but market uncertainty could impact results.
Life insurance expected to develop steadily, though market value changes add uncertainty.
Operating expenses anticipated to rise slightly due to IT investments and inflation.
Credit losses expected to stay moderate, but Finnish real estate sector uncertainty and a specific case may increase ECL.
What drove Q3 individual credit impairments?
Address rating agencies' negative outlook.
Update on Momentum program's run rate.
What specific actions will restore stable rating outlook?
Elaborate on the single large credit loss case
Capital allocation strategy for growth opportunities?
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Next Aktia Pankki earnings date
Q4 20255 Feb, 2026
Next Aktia Pankki earnings date
Q4 20255 Feb, 2026
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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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