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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Aktia Pankki
Aktia Pankki (AKTIA) investor relations material
Aktia Pankki Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary30 Oct, 2026
Executive summary
Q3 comparable operating profit fell 18% YoY to EUR 22.5m; 9M comparable profit rose 3% to EUR 84.8m, with underlying business described as steady.
Gross AuM reached a record EUR 18.2bn, supported by EUR 124m of quarterly net sales and strong Private Banking demand.
Financial highlights
Q3 comparable operating income was EUR 70.4m, down 4% YoY; comparable expenses rose 10% to EUR 46.5m, contributing to lower profit.
Q3 net interest income was EUR 31.9m, down 6% YoY; 9M NII was EUR 97.0m, down 7%.
Q3 net commission income was EUR 31.1m, flat YoY; 9M was EUR 96.0m, up 4%. Fund-related commission income rose 7% to EUR 18.5m.
Q3 life insurance income was EUR 5.7m, down 30% YoY, mainly reflecting rate-driven volatility in run-off contracts.
9M reported operating profit rose 5% to EUR 78.8m; comparable operating profit rose 3% to EUR 84.8m.
Outlook and guidance
FY 2026 comparable operating profit is expected at, or slightly above, FY 2025’s EUR 106.0m; guidance was unchanged.
Asset management and life insurance are expected to develop positively; banking profit is expected to be slightly lower, with higher expenses.
Fund, asset management and securities-brokerage commission income is expected to be somewhat higher; market uncertainty may weigh on commissions.
Credit losses are expected to be significantly below 2025, partly reflecting the new ECL model; Finnish real estate uncertainty remains a risk.
Q4 NII is expected to exceed Q3, with higher-rate benefits becoming more visible over time; market volatility may affect results.
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Latest events from Aktia Pankki
- Q2 operating profit up 67% with record AUM, strong fund and insurance income, and lower credit losses.AKTIA
Q2 2026 - Operating profit dropped 35% year-over-year, but asset management and credit quality remained resilient.AKTIAQ1 2026
- Strong Q4 income, life insurance growth, Taaleri impairment, and CET1 ratio up to 12.6%.AKTIAQ4 2025
- Comparable operating profit fell 15% year-over-year, but assets under management increased.AKTIAQ2 2025
- Q3 2024 profit up 2% year-over-year, with strong insurance and improved capital ratios.AKTIAQ3 2024
- Q2 profit up 21% y/y, with robust net interest income and improved cost efficiency.AKTIAQ2 2024
- Ambitious 2029 targets: ROE >15%, AUM >€25B, 5%+ commission growth, and 60% dividend payout.AKTIAInvestor Update
- Stable Q1 with EUR 28.7m profit, 13.5% ROE, and strategic progress amid market turbulence.AKTIAQ1 2025
- Comparable operating profit rose 19% in 2024, but 2025 profit is expected to decline.AKTIAQ4 2024
Next Aktia Pankki earnings date
Q4 20265 Feb, 2027
Aktia Pankki
Next Aktia Pankki earnings date
Q4 20265 Feb, 2027
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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.