AKTIANasdaq HelsinkiBanks - RegionalIFRS · EUR

Aktia Pankki Oyj

Aktia Pankki is a Finnish financial services group that provides a wide range of banking, asset management, and life insurance services. The company is known for its strong heritage in banking and has been expanding its wealth management capabilities. Aktia serves both private and corporate clients, with a focus on personalized financial solutions and high-quality advisory services. The company has a diversified business model that includes asset management, banking services, and life insurance, catering to a growing international customer base.

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Revenue296m EUR
+6,401,111.9 %y/y
Operating profit (EBIT)24.9bn EUR
−73.7 %y/y
EBIT margin8,401.6%
−2,048,162,989.9 ppy/y
Net income10.3m EUR
−100.0 %y/y
Free cash flow34.9m EUR
+1,486.4 %y/y

Fiscal year 2025 · change from previous year

Development 2021–2025

-20,000020,00040,00060,00080,000100,000m EUR2021: 92 m EUR2021: EBIT 13 m EUR20212022: 88 m EUR2022: EBIT -1.6 m EUR20222023: 135 m EUR2023: EBIT -2.1 m EUR20232024: 0.00 m EUR2024: EBIT 94,646 m EUR20242025: 296 m EUR2025: EBIT 24,852 m EUR2025TTM 2026: EBIT 45 m EURTTM45
RevenueOperating profit (EBIT)TTM = last 12 months, not a full fiscal year
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Business

Share of revenue
Asset Management35 %

Includes private banking and investment products for institutional clients.

Banking Business40 %

Offers banking services including loans, leasing, and payment services.

Life Insurance25 %

Provides risk life insurance and investment-linked insurance products.

Customers

Aktia Pankki serves a diverse range of customers, including private individuals, small and medium-sized enterprises (SMEs), and institutional investors. The company has a strong presence in the premium and private banking segments, offering personalized financial advisory services. Institutional investors are particularly interested in Aktia's asset management services, especially its fixed income and emerging market debt funds. The bank also caters to corporate clients with a variety of financial solutions, including leasing and hire purchase options.

Private Banking

Offers personalized wealth management and advisory services.

Institutional Investors

Provides asset management services, focusing on fixed income and emerging market funds.

SMEs

Offers banking services and financial solutions like leasing and factoring.

Strategy

Aktia's strategic priorities focus on becoming a leading wealth manager with a strong banking foundation. The company is implementing the Momentum acceleration programme to drive organic growth in wealth management and improve operational efficiency. Aktia aims to enhance customer experience through digital development and personalized services. The strategy includes expanding in key customer segments such as Premium and Private Banking, SMEs, and international institutions.

Organic growth in wealth managementMedium term

To strengthen market position and customer base

Digital developmentLong term

To improve customer experience and operational efficiency

Geography

Aktia Pankki is headquartered in Helsinki, Finland, and primarily operates within the Finnish market. The company has been expanding its international presence, particularly in asset management, with growing interest from institutional investors globally. Aktia's international sales have been strong, especially in its fixed income funds. The bank's operations are supported by digital channels, enhancing its reach and customer service capabilities.

Risks

Aktia Pankki faces several risks, including operational risks such as service disruptions and data security issues. Market risks, particularly interest rate and credit spread risks, are significant due to the nature of its banking and asset management operations. The company also deals with regulatory risks, as it must comply with various financial regulations. Additionally, credit risks are present in its loan portfolio, which includes both private and corporate clients.

Sorted by severity
LowMediumHighLowMediumHighImpact →Likelihood →Operational disruptions1Credit risk2Interest rate risk3
Impact is the risk’s severity and likelihood how probable it is over the next few years, both assessed from the company’s reports. Numbers match the list.
  1. Operational disruptionsImpact: HighLikelihood: Low

    Service outages and data security issues

  2. Credit riskImpact: MediumLikelihood: High

    Loan portfolio includes private and corporate clients

  3. Interest rate riskImpact: MediumLikelihood: Medium

    Affects banking book and asset management

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Accounting

Judgemental items
Fair value measurements

Affects income volatility

Impact: Significant on financial results

Impairment provisions

Due to credit risks in loan portfolio

Impact: Material impact on financial statements

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Last updated: 24/09/2026