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Aktia Pankki
Aktia Pankki (AKTIA) investor relations material
Aktia Pankki Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary5 Feb, 2026
Executive summary
Q4 2025 delivered the strongest operating income of the year at EUR 75.6 million, with solid new customer acquisition and best quarterly operating income, despite lower net interest income due to market rates.
Net income from life insurance rose 24% year-over-year to EUR 7.8 million in Q4, benefiting from favorable market conditions and strong risk/unit-linked insurance performance.
International sales contributed EUR 170 million in net inflows, driving higher earnings and AUM growth, especially among institutional clients.
A EUR 70.1 million impairment of intangible assets and goodwill related to the Taaleri acquisition was recognized, reflecting revised strategic priorities and market conditions, with no impact on CET1 or dividend capacity.
The Board proposes a dividend of EUR 0.80 per share for 2025, in line with the policy to pay out 60% of profit.
Financial highlights
Q4 comparable operating profit was EUR 23.7 million, down 16% year-over-year; full-year comparable operating profit was EUR 106.0 million, down 15%.
Q4 operating income was EUR 75.6 million, up 3% sequentially but 4% lower year-over-year; full-year operating income was EUR 295.8 million, down 4%.
Net interest income for 2025 was EUR 138.8 million, down 9% year-over-year; net commission income was stable at EUR 124.6 million.
Net income from life insurance for the year was EUR 30.6 million, up 1% year-over-year.
Assets under management ended at EUR 16.6 billion, nearly EUR 1 billion above Q1 low, with a 2% increase in Q4.
Outlook and guidance
Comparable operating profit for 2026 is expected to remain at the 2025 level (EUR 106.0 million).
Asset management and life insurance are expected to grow, while banking net interest income is forecast to decline due to low market rates.
Operating expenses are projected to rise with continued IT investments; credit losses are expected to decrease but remain sensitive to real estate sector uncertainty.
Market and interest rate volatility may impact results.
Taaleri impairment: wealth management strategy impact
IRB model changes: CET1 target maintenance
Life Insurance service result: drivers of decline
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Next Aktia Pankki earnings date
Q1 202630 Apr, 2026
Aktia Pankki
Next Aktia Pankki earnings date
Q1 202630 Apr, 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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