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Banks (Finance)

Aktia Bank Plc's Half-Yearly Report: Maintaining Focus on Acceleration Program

Strategic Insights

— 2 min read

Aktia Bank Plc has issued a news release detailing its half-yearly report for the period 1.1-30.6.2025. The report highlights the bank's performance and progress in its strategic initiatives, despite a challenging operating environment. Aktia maintained its focus on the Momentum acceleration program, which is showing positive results in terms of new customers, improved net coverage, and operational improvements. The bank's assets under management increased by 1.3% in the quarter to EUR 15.9 billion.

Key Takeaways:

  • Aktia's comparable operating profit for the quarter was EUR 26.2 million, a 15% decrease from the previous year, mainly due to lower interest rates.
  • Net commission income was 2% lower than last year, primarily due to reduced commissions from securities brokerage.
  • Net interest income decreased by 11% compared to last year, mainly due to lower market interest rates.
  • Life insurance net income increased by 9% compared to last year, thanks to good results from investment activities and investment agreements.
  • Comparable operating expenses decreased by 1% compared to last year, as a result of continued focus on cost control.
  • Credit losses totaled EUR 3.2 million, primarily due to individual impairments of certain individual credits.
  • Assets under management increased by 1.3% in the quarter to EUR 15.9 billion, driven by positive net subscriptions in all key client segments and positive market developments.
  • The bank's comparable return on equity (ROE) for the quarter was 12.1%, a decrease from the previous year's 14.9%.
  • The bank's strategic acceleration program, Momentum, is progressing according to plan and is expected to have an annual profit-improving effect of approximately EUR 4 million.
  • The bank's driven focus on its strategic customer segments, including Premium, Private Banking, and SME companies, is yielding positive results, with new customers and increased volumes reported.
  • The bank's well-being of employees is a priority, with a comprehensive employee survey indicating a positive index (eNPS) of 29 and a culture index score of 4.3.

Statistics:

  • EUR 26.2 million (comparable operating profit for the quarter)
  • 15% decrease in comparable operating profit compared to last year
  • EUR 30.3 million (net commission income)
  • 2% decrease in net commission income compared to last year
  • EUR 34.7 million (net interest income)
  • 11% decrease in net interest income compared to last year
  • EUR 3.2 million (credit losses)
  • EUR 15.9 billion (assets under management)
  • 1.3% increase in assets under management in the quarter
  • 12.1% (comparable return on equity for the quarter)
  • 14.9% (comparable return on equity for last year)
  • EUR 4 million (annual profit-improving effect of the Momentum acceleration program)

Sources:

  • Aktia Bank Plc's half-yearly report 1.1-30.6.2025
  • Aktia Bank Plc news release (published 12.2.2025)

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