Annual Review 2025
Read more
Aktia’s year 2025
Aktia’s year 2025
Aktia started the year 2025 by launching an update of its strategic plan and financial targets. Throughout the year, we set clear priorities and pursued them with focus and determination, aiming to deliver the best possible customer experience and profitable growth.
Message from the CEO
Our diversified business model with three business areas complementing each other proved its strength in practice and provided us both with stability and favourable conditions to develop areas with the greatest potential. The development of our wealth management services continued and demand for our solutions, especially in insurance wrappers, remained good. At the same time, our banking business continued to provide financial strength. We were also able to welcome many new customers and shareholders during the year, reflecting the strong confidence placed in us.
Aktia’s strategy
The implementation of our updated strategy naturally shaped our activities during the year. We successfully implemented our acceleration programme, which had been created to give the strategy period a strong start. The programme achieved the operational targets that had been set, creating a solid foundation for the next phase of strategy implementation, with a particular emphasis on the growth of capital-light business.
Sustainable Aktia
Sustainability is essential to safeguarding our clients’ long-term interests and Aktia’s ambition is to build sustainable wealth for our customers, investors and society. In 2025 Aktia focused on developing and expanding the range of green loan and investment products such as the launch of the Aktia Prosperity fund and the green vehicle loan. Also, the Green financing framework was established and Aktia's new sustainability strategy for 2026–2029 was approved.
Key figures 2025
295.6
mn €
295.6
-4% (308.8)
Comparable operating income
- 173.9
mn €
- 173.9
0% (-173.8)
Comparable operating expenses
106.0
mn €
106.0
-15% (124.5)
Comparable operating profit
59%
59%
+5% (56%)
Comparable cost-to-income ratio
12.8%
12.8%
-2.3%-pt. (15.0%)
Return on equity (ROE)
12.6%
12.6%
+0.7%-pt. (12.0%)
Common Equity Tier 1 capital ratio (CET1)
12.0
bn €
12.0
Balance sheet total
16.6 bn €
16.6 bn €
Gross assets under management
98.3%
98.3%
The share of assets under management classified as sustainable under Article 8/9
295.6
Comparable operating income
- 173.9
Comparable operating expenses
106.0
Comparable operating profit
59%
Comparable cost-to-income ratio
12.8%
Return on equity (ROE)
12.6%
Common Equity Tier 1 capital ratio (CET1)
12.0
Balance sheet total
16.6 bn €
Gross assets under management
98.3%
The share of assets under management classified as sustainable under Article 8/9
Highlights of the year 2025
Q1
Strategy update
Aktia updated its strategy and long-term financial targets, as well as its capital and dividend policy. The core of Aktia's growth strategy is to accelerate its journey towards becoming a unique, leading wealth manager empowered by a strong banking heritage.
Q2
Launch of a new Premium service concept
Advancing our updated strategy, we launched a new Premium service concept. The service model reform is a concrete step towards the democratisation of private banking services.
Q3
Aktia's first intra-day benchmark covered bond
Aktia issued a covered bond of EUR 500 million with a 5-year maturity. The issue was competitively priced and oversubscribed by more than double.
Q4
Anssi Huhta the new CEO of Aktia
Aktia’s Board of Directors appointed Anssi Huhta as the new CEO of the company. Huhta has been a member of Aktia's Executive Committee since 2020, first as director in charge of the corporate customer business and since 2021 as director in charge of the banking business. In addition, Huhta has served as Deputy CEO of Aktia, and as Interim CEO.