Financial Statement Release 1–12/2024
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Q4 2024
Aktia Bank Group (Aktia Bank Plc and all its subsidiaries except Aktia Life Insurance) applies internal risk classification (IRB) for the calculation of capital requirement for retail, equity and certain corporate exposures. The standardised approach is used for other exposures.
The Bank Group’s Common Equity Tier 1 (CET1) capital ratio increased to 12.0 (11.3)%, which is 3.3 percentage points above the minimum requirement. The increase is due to a higher CET1 capital.
The CET1 capital increased by EUR 22.4 million, primarily due to a decrease in intangible assets, which are deducted from CET1 in the capital adequacy calculation, and an increase in the fund at fair value.
Risk-weighted assets remained unchanged from the previous year.
| Capital adequacy, % | 30 Dec 2024 | 30 Sep 2024 | 30 Jun 2024 | 31 Mar 2024 | 31 Dec 2023 |
|---|---|---|---|---|---|
| Bank Group | |||||
| CET1 capital ratio | 12.0 | 11.9 | 11.5 | 11.4 | 11.3 |
| Total capital ratio | 16.6 | 16.6 | 16.2 | 16.1 | 15.0 |