CEO JUSSI LAITINEN:

"Net interest income (NII) weakened as expected, as the effects of interest
rate hedging activities gradually tailed off, adversely affecting operating
profit for the period. Net commission and life insurance income increased,
partly compensating for the weaker NII. Investments in IT have temporarily
pushed up operating expenses, but they are expected to increase earnings in the
longer term and support a more efficient way of working. In my view, we need to
reduce costs by 10% and this has to be done during the coming three years. The
turbulence in the European financial markets has continued, which had a
negative effect on the interim result. Aktia's liquidity and capital adequacy
provide a stable base for the business.""

JANUARY- JUNE 2011: OPERATING PROFIT EUR 30.9 (41.0) MILLION

• Group operating profit fell back to EUR 30.9 (41.0) million, and profit for
• Earnings per share stood at EUR 0.33 (0.43).
• Operating income was EUR 120.3 (127.2) million and operating expenses EUR
• Balance sheet total amounted to EUR 10,746 (11,019) million.
• Capital adequacy ratio increased to 16.6 (15.9)% and Tier 1 capital ratio
• Return on equity was 9.4 (12.4)%.
• Write-downs on credits and outstanding premiums stood at EUR 5.7 (8.4)
• Aktia Bank plc's credit rating remained unchanged A1/C/P-1 (Moody's
• The full-year result for 2011 will be lower than in 2010 (amended, outlook

APRIL-JUNE 2011: OPERATING PROFIT EUR 12.1 (23.5) MILLION

• Group operating profit amounted to EUR 12.1 (23.5) million, and profit for
• Earnings per share stood at EUR 0.13 (0.25).
• Operating income was EUR 57.7 (66.2) million and operating expenses EUR
• Return on equity was 7.6 (14.2)%
• Write-downs on credits and outstanding premiums decreased to EUR 2.1 (3.8)

 Key figures for                                                                 
  the Group                                                                      
 (EUR million)         1-6/    1-6/     ?%    4-6/    4-6/     ?%    1-3/   1-12/
                       2011    2010           2011    2010           2011    2010
                                                                                 
 Net interest          68.3    76.8  -11 %    33.6    38.2  -12 %    34.7   149.3
  income                                                                         
 Total operating      120.3   127.2   -5 %    57.7    66.2  -13 %    62.6   249.4
  income                                                                         
 Total operating      -83.5   -78.8    6 %   -43.4   -40.0    9 %   -40.1  -159.0
  expenses                                                                       
 Operating profit      36.6    49.4  -26 %    14.2    27.4  -48 %    22.4    92.0
  before write                                                                   
  downs on credits                                                               
 Write-downs on        -5.7    -8.4  -32 %    -2.1    -3.8  -45 %    -3.6   -14.1
  credits, other                                                                 
  commitments and                                                                
  outstanding                                                                    
  premium                                                                        
  receivables                                                                    
 Operating profit      30.9    41.0  -25 %    12.1    23.5  -49 %    18.8    77.9
                                                                                 
 Cost-to-income        0.68    0.55   24 %    0.74    0.54   37 %    0.63    0.59
  ratio                                                                          
 Earnings per share    0.33    0.43  -24 %    0.13    0.25  -48 %    0.20    0.83
  (EPS), EUR                                                                     
 Equity per share      6.43    6.89   -7 %    6.43    6.89   -7 %    6.14    6.81
  (NAV)1, EUR                                                                    
 Return on equity       9.4    12.4  -24 %     7.6    14.2  -47 %    11.9    12.0
  (ROE), %                                                                       
                                                                                 
 Capital adequacy      16.6    16.5    1 %    16.6    16.5    1 %    16.0    15.9
  ratio1, %                                                                      
 Tier 1 capital        10.8    10.1    6 %    10.8    10.1    6 %    10.3    10.1
  ratio1, %                                                                      
 Write-downs on        0.08    0.13  -38 %    0.03    0.05  -40 %    0.05    0.20
  credits / total                                                                
  credit stock, %                                                                
 1 At the end of                                                                 
  the period