Financial Statement Release 1–12/2025
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Q4 2025
The capital adequacy of Aktia Bank Group includes Aktia Bank Plc and all its subsidiaries except Aktia Life Insurance Ltd.
The Bank Group’s Common Equity Tier 1 (CET1) capital ratio increased to 12.6% (12.0%), which is 4.0 percentage points above the minimum requirement. The improvement is due to an increase in CET1 capital and a decrease in risk-weighted assets (RWA).
The CET1 capital increased during the year. This was mainly due to increases in the fair value reserve and the non-restricted equity fund. The impairment in December reduced the CET1 deduction related to intangible assets and goodwill, which meant that the Bank Group’s negative result had no impact on CET1 capital.
| Capital adequacy, % | 31 Dec 2025 | 30 Sep 2025 | 30 Jun 2025 | 31 Mar 2025 | 31 Dec 2024 |
|---|---|---|---|---|---|
| Bank Group | |||||
| CET1 capital ratio | 12.6 | 13.0 | 12.8 | 13.0 | 12.0 |
| Total capital ratio | 17.3 | 17.8 | 18.0 | 18.3 | 16.6 |