Aktia as an investment

Why invest in Aktia?

1.    Unique market position

We have a strong strategic foundation and we will build on our strengths with a clear focus on execution.

• Strong customer base in core segments and high customer satisfaction demonstrating the value of Aktia’s personalised advisory services and product quality.
• Award-winning wealth manager with top-tier expertise in fixed income, manager selection, alternative investments and asset allocation.
• Successful renewal and modernisation of core banking system enable continued development of data-driven operations.

2.    Robust financials

We have robust financials with a strong historical track record, and we have maintained a growing trajectory in operating profit and dividend.

• High-quality, well-diversified earnings mix with a high share of commission income and life insurance income, driven by wealth management.
• Strong focus on capital efficiency with demonstrated prudent risk management practices and resilient capital adequacy.
• Solid dividend track record.

3.    Value creation through our strategic priorities

• Active Wealth Management
  As wealth transitions across generations, customers need accessible, sustainable financial solutions. Aktia helps customers grow and transfer wealth with clear, long-term plans and a holistic approach.
• Winning in Strategic Segments
  Finland’s growth relies on bold investments, cross-generational legacies and work, and thriving communities. Aktia takes an active role by driving success in Premium, Private Banking, small and medium-sized enterprises (SMEs), and institutional segments.
• The Aktia Experience
  We will stand out by specialising in attentive personal service for a growing customer base and by bringing them the Aktia experience. Skilled and committed employees work together to deliver tailored solutions and to respond to the customers’ financial needs and goals.
   
• Key enabler: Powered by Data and Technology
  Enhancing our IT setup to enable growth in a scalable and efficient way.

4.    Accelerated implementation of our strategy 

Strengthening execution to increase operating profit run rate with 10 focused streams to accelerate business operations

• Target: Operating profit run rate improvements of EUR ~7 million by end of 2025 and cumulatively EUR ~20 million by end of 2026
• Operating profit run rate improvement refers to the projected increase in operating profit on a recurring, annualised basis delivered by initiatives of the program 
• Successful delivery of our strategy acceleration will be measured against concrete targets and operating profit run rate outcome will be tracked continuously, and communicated on biannual basis

5.    Ambitious long-term financial targets for 2029

• Comparable return on equity (ROE) over 15 per cent by 2029
• Assets under management over EUR 25 billion* by 2029
• Organic net commission income growth over 5 per cent per year
• Common Equity Tier 1 (CET1) ratio 2–4 percentage points above the regulatory requirement.
  
  * This figure reflects gross AuM, corresponding to all AuM in the asset management business for which Aktia receives fee commissions. In the future, Aktia will report both gross and net AuM, rather than only net.

6.    Reliable dividend payer

• Aktia intends to pay a dividend of approximately 60 per cent of the profit for the reporting period to its shareholders. 
• In addition, excess capital may be distributed to shareholders using e.g. extra dividends or share buybacks.