Capital adequacy

Q3 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 11.9 (11.3)%, which is 3.2 percentage points above the minimum requirement. The increase is due to a higher CET1 capital and lower risk-weighted exposures.

CET1 capital increased by EUR 13.5 million, mainly due to profit for the period and an increase in the fund at fair value. 

Risk-weighted assets decreased by EUR 46 million.