Q2 2026
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 decreased to 12.0% (12.6%), which is 3.3 percentage points above the minimum requirement. The decrease was due to the introduction of new credit risk models (IRB) for retail exposures during the quarter. For more information, see Aktia's Q2/2026-report section “The Group’s risk exposures” and Note 1.
The CET1 capital decreased during the period as changes to the IRB and ECL models impacted the bank’s CET1 deductions. The positive result, as well as changes in deductions related to intangible assets, mitigated the decrease in own funds caused by the model changes.
| Capital adequacy, % | 30 Jun 2026 | 31 Mar 2026 | 31 Dec 2025 | 30 Sep 2025 | 30 Jun 2025 |
|---|---|---|---|---|---|
| Bank Group | |||||
| CET1 capital ratio | 12.0 | 12.8 | 12.6 | 13.0 | 12.8 |
| Total capital ratio | 17.2 | 17.5 | 17.3 | 17.8 | 18.0 |
