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1. Company Snapshot

1.a. Company Description

Aktia Pankki Oyj provides banking and financing solutions to individuals, corporates, and institutions in Finland.It operates through three segments: Banking Business, Asset Management, and Group Functions.The company offers banking, savings, financing, financial advisory, and investment advice services.


It also provides life insurance, disability, and severe illness insurance products, as well as asset management services.Aktia Pankki Oyj was founded in 1825 and is headquartered in Helsinki, Finland.

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1.b. Last Insights on AKTIA

Aktia Pankki Oyj's recent performance was driven by stable profits and asset growth, despite market uncertainties. The company's Q3 2025 earnings call highlighted its ability to navigate challenges while addressing credit loss provisions and strategic initiatives. A new CEO, Anssi Huhta, was appointed, bringing fresh leadership. Additionally, changes to the Executive Committee, including the appointment of Pasi Vuorinen, Eva-Maria Broman-Rimpi, and Ville Niiranen, are expected to ensure a consistent implementation of the strategy. The company's Interim report January-September 2025 showed another stable quarter in terms of results.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Aktia Bank PLC (OHEL:AKTIA) Q3 2025 Earnings Call Highlights: Navigating Market Challenges with ...

Nov -06

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Aktia Bank Plc's Interim report January-September 2025: Another stable quarter in terms of results

Nov -06

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Appointments to Aktia Bank Plc's Executive Committee

Oct -27

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Insider information: Anssi Huhta appointed as new CEO of Aktia Bank Plc

Oct -21

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Notice to Aktia Bank Plc's Extraordinary General Meeting

Sep -11

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Insider information: Carl Haglund appointed as Chief Executive Officer of Aktia Bank Plc

Jun -12

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Aktia Bank Plc: Disclosure under Chapter 9, Section 10 of the Finnish Securities Markets Act (Companies controlled by Erkki Etola)

May -08

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Aktia Bank PLC (FRA:2A41) (Q4 2024) Earnings Call Highlights: Strong Profit Growth and ...

Feb -13

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (1.07%)

6. Segments

Banking Business

Expected Growth: 1.2%

Aktia Pankki Oyj's 1.2% growth in banking business is driven by increasing demand for digital banking services, strategic expansion into new markets, and a strong focus on customer experience. Additionally, the bank's efforts to improve operational efficiency and reduce costs have contributed to its growth. Furthermore, the Finnish economy's stable growth and low interest rates have created a favorable environment for the banking sector.

Asset Management

Expected Growth: 0.8%

Aktia Pankki Oyj's Asset Management growth of 0.8% is driven by increasing demand for wealth management services among Finnish households, steady inflows from institutional clients, and strategic partnerships with insurance companies. Additionally, the segment benefits from Aktia's strong brand recognition, efficient cost structure, and a diversified product offering.

Life Insurance

Expected Growth: 1.1%

Aktia Pankki Oyj's 1.1% growth in Life Insurance is driven by increasing demand for protection products, favorable regulatory environment, and strategic partnerships. Additionally, the insurer's digitalization efforts, expansion into new markets, and focus on customer-centric products have contributed to the growth. Furthermore, Finland's aging population and rising awareness of insurance benefits have also supported the segment's growth.

Group Functions

Expected Growth: 0.9%

Aktia Pankki Oyj's Group Functions segment growth of 0.9 is driven by increasing demand for digital banking services, cost savings from operational efficiency initiatives, and strategic investments in IT infrastructure. Additionally, the segment benefits from a stable Finnish economy and a growing customer base, contributing to modest growth.

Other and Eliminations

Expected Growth: 0.7%

Aktia Pankki Oyj's Other and Eliminations segment growth of 0.7% is driven by increased treasury income, higher gains on sale of investments, and reduced losses from discontinued operations, partially offset by lower income from associates and joint ventures.

7. Detailed Products

Personal Banking

Aktia Pankki Oyj offers personal banking services, including current accounts, savings accounts, credit cards, and personal loans, to individuals.

Corporate Banking

Aktia Pankki Oyj provides corporate banking services, including cash management, trade finance, and lending, to businesses and corporations.

Investment Services

Aktia Pankki Oyj offers investment services, including asset management, investment advice, and brokerage services, to individuals and institutions.

Wealth Management

Aktia Pankki Oyj provides wealth management services, including portfolio management, estate planning, and tax planning, to high net worth individuals and families.

Insurance Services

Aktia Pankki Oyj offers insurance services, including life insurance, non-life insurance, and pension insurance, to individuals and businesses.

Digital Banking

Aktia Pankki Oyj provides digital banking services, including online banking, mobile banking, and payment services, to individuals and businesses.

8. Aktia Pankki Oyj's Porter Forces

Forces Ranking

Threat Of Substitutes

Aktia Pankki Oyj operates in a highly competitive industry, and customers have various alternatives to choose from. However, the company's strong brand reputation and customer loyalty mitigate the threat of substitutes.

Bargaining Power Of Customers

Aktia Pankki Oyj's customers have significant bargaining power due to the availability of alternative banking services. The company must maintain competitive pricing and high-quality services to retain customers.

Bargaining Power Of Suppliers

Aktia Pankki Oyj has a diversified supplier base, which reduces the bargaining power of individual suppliers. The company's strong financial position also gives it negotiating power in supplier relationships.

Threat Of New Entrants

The banking industry has high barriers to entry, including regulatory requirements and capital requirements. This limits the threat of new entrants and allows Aktia Pankki Oyj to maintain its market position.

Intensity Of Rivalry

The Finnish banking industry is highly competitive, with several major players competing for market share. Aktia Pankki Oyj must maintain its competitive edge through innovative products and services to stay ahead of its rivals.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 86.81%
Debt Cost 3.95%
Equity Weight 13.19%
Equity Cost 7.77%
WACC 4.45%
Leverage 657.95%

11. Quality Control: Aktia Pankki Oyj passed 2 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
SpareBank 1 Ringerike Hadeland

A-Score: 8.2/10

Value: 6.9

Growth: 8.4

Quality: 6.5

Yield: 9.4

Momentum: 9.0

Volatility: 9.0

1-Year Total Return ->

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Stock-Card
Crédit Agricole

A-Score: 6.7/10

Value: 9.1

Growth: 3.9

Quality: 6.1

Yield: 5.6

Momentum: 10.0

Volatility: 5.7

1-Year Total Return ->

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Stock-Card
Aktia

A-Score: 6.7/10

Value: 4.8

Growth: 4.6

Quality: 4.9

Yield: 10.0

Momentum: 6.5

Volatility: 9.7

1-Year Total Return ->

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Stock-Card
Walliser

A-Score: 6.3/10

Value: 4.1

Growth: 4.9

Quality: 4.9

Yield: 5.6

Momentum: 8.5

Volatility: 10.0

1-Year Total Return ->

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Stock-Card
Nationwide

A-Score: 5.4/10

Value: 8.0

Growth: 5.7

Quality: 4.5

Yield: 0.0

Momentum: 4.0

Volatility: 10.0

1-Year Total Return ->

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Stock-Card
illimity Bank

A-Score: 4.4/10

Value: 9.0

Growth: 2.4

Quality: 3.0

Yield: 1.9

Momentum: 3.0

Volatility: 7.0

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

11.32$

Current Price

11.32$

Potential

-0.00%

Expected Cash-Flows