Q3 2025 Aktia Bank Abp Earnings Call Transcript
Key Points
- Aktia Bank PLC (OHEL:AKTIA) reported a stable quarter with comparable operating profit slightly above the previous quarter.
- Assets under management grew to €16.3 billion, supported by positive net inflows and favorable market developments.
- The bank continues to attract new customers, especially in premium banking, indicating strong customer interest.
- Aktia's asset management received recognition with a Citywire AAA rating for its emerging market local currency bond fund.
- The bank's liquidity remained strong with an LCR ratio of 235%, and it successfully issued a €500 million covered bond.
- Net interest income decreased due to lower market rates, impacting overall profitability.
- Uncertainty in the real estate market affected credit losses, with a notable increase in expected credit loss provisions.
- The bank's CET1 ratio was placed on negative outlook by rating agencies due to recent management turbulence.
- Operating income was 3% lower compared to last year, reflecting challenges in the Finnish economy and housing market.
- Aktia faced a one-time expense related to CEO change and a provision for a penalty fee from data protection authorities.
Good morning, everyone and welcome to Aktia's Q3 results briefing. My name is Oscar Taimitarha. I am the head of investor relations at Aktia, and I will be the moderator for this event today. As you all know, this morning we published our Q3 report, once again showing stable results. Aktia's CEO Ansi Huchta and our CFO Zakar Jarvela will soon walk us through the results, and, as always, after the presentations, we are happy to answer your questions. If you are following us online, please write your questions in the comments field. Now it is my privilege to present our newly appointed CEO, Anssi Huhta. Ansi, the stage is yours.
Thank you, Oscar, and welcome on my behalf as well. My name is Anssi Huhta, Aktia's CEO. It's my pleasure to present our 3rd quarter results together with our CFO Sakari Jarvela. Before we begin our review of the past quarter, I would like to briefly address the recent changes in Aktia's
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