A STRONG 2010: OPERATING PROFIT EUR 77.9 (47.0) MILLION

• Group operating profit for 2010 improved 66% to EUR 77.9 (47.0) million and
• Earnings per share was up 62% to EUR 0.83 (0.52).
• Aktia's Board of Directors proposes a raised dividend to EUR 0.30 (0.24)
• Net interest income remained strong at EUR 149.3 (152.2) million.
• Net commission income advanced 23% to EUR 57.0 (46.3) million.
• Net income from life insurance was EUR 16.5 (14.0) million.
• Net income from non-life insurance improved 49% to EUR 22.6 (15.2) million.
• Write-downs on credits and outstanding premium receivables were clearly
• Aktia Bank plc's credit rating remained unchanged A1/C/P-1 (Moody's
• The full-year profit for 2011 will probably be lower than in 2010.

OCTOBER-DECEMBER 2010: OPERATING PROFIT EUR 13.5 (9.8) MILLION

• Despite increasing write-downs by group and the insurance companies'
• Net interest income decreased but remained at a good level of EUR 34.9
• Net commission income improved to EUR 14.9 (14.5) million.
• Net income from life insurance doubled to EUR 6.8 (3.2) million.
• Net income from non-life insurance rose notably to EUR 5.2 (1.5) million.
• Write-downs on credits and outstanding premiums stood at EUR 4.3 (5.5)

CEO JUSSI LAITINEN:

"Aktia had a good year. All our business areas achieved as good results as in
the previous year, or better. We strengthened our market position in the most
important customer segments, and I'm especially pleased about the fact that our
customers give us top marks in customer satisfaction surveys. This year is more
challenging with a continuing financial crisis in the euro area and increased
regulation of financing which will undoubtedly result in higher costs. Aktia
strives to manage this structural challenge with the current capital base and a
continued focus on growth. "

 (EUR million)        2010   2009    Δ%    10-12/  10-12/   Δ%   7-9/  4-6/  1-3/
                                            2010    2009         2010  2010  2010
 --------------------------------------------------------------------------------
 Net interest        149.3  152.2   -2 %    34.9    39.8  -12 %  37.0  38.6  38.9
 income                                                                          
 --------------------------------------------------------------------------------
 Total operating     249.4  233.1    7 %    62.0    58.7    6 %  60.2  66.2  61.0
 income                                                                          
 --------------------------------------------------------------------------------
 Operating profit     92.0   78.7   17 %    17.8    15.3   16 %  24.7  27.4  22.1
 before write-downs                                                              
 on credits                                                                      
 --------------------------------------------------------------------------------
 Write-downs on      -14.1  -31.7  -56 %    -4.3    -5.5  -22 %  -1.4  -3.8  -4.6
 credit and                                                                      
 outstanding                                                                     
 premiums                                                                        
 --------------------------------------------------------------------------------
 Operating profit     77.9   47.0   66 %    13.5     9.8   37 %  23.4  23.5  17.5
 --------------------------------------------------------------------------------
 Cost-to-income       0.59   0.57    4 %    0.68    0.57   19 %  0.58  0.54  0.57
 ratio                                                                           
 --------------------------------------------------------------------------------
 Earnings per share   0.83   0.52   62 %    0.14    0.10   43 %  0.26  0.25  0.18
 (EPS), EUR                                                                      
 --------------------------------------------------------------------------------
 Equity per share     6.81   6.52    4 %    6.81    6.52    4 %  7.30  6.89  6.86
 (NAV)1, EUR                                                                     
 --------------------------------------------------------------------------------
 Return on equity     12.0    8.7   39 %     7.9     5.9   35 %  13.9  14.2  10.5
 (ROE),%                                                                         
 --------------------------------------------------------------------------------
 Capital adequacy     15.9   15.9    0 %    15.9    15.9    0 %  17.0  16.5  16.2
 ratio1,%                                                                        
 --------------------------------------------------------------------------------
 Tier 1 capital       10.1    9.5    6 %    10.1     9.5    6 %  10.4  10.1   9.6
 ratio1,%                                                                        
 --------------------------------------------------------------------------------
 Write-downs on       0.20   0.51  -61 %    0.06    0.09  -33 %  0.02  0.05  0.08
 credits/total                                                                   
 credit stock, %                                                                 
 --------------------------------------------------------------------------------
 1 At the end of the period .

"Accounts annoncement 1 January - 31 December 2010" is a translation of the
original report in Swedish ("Bokslutskommuniké 1.1-31.12.2010"). In case of
discrepancies, the Swedish version prevails.

We see a person in every customer.