Aktia Pankki Oyj : Debt investor presentation Q3 2020

3 NOVEMBER 2020

Q3 Debt investor presentation

Timo Ruotsalainen Head of Treasury

Aktia's Q3 2020 in brief

• Customers' interest in investment advice increased noticeably, Asset Management's product selection was expanded further
• Stable growth of the loan book and low financing expenses contributed to the good development of net interest income
• Unchanged credit loss provisions - the loan book shows no significant risk concentrations
• Commission income continues to recover, however, lower consumption in households decreased card payments
• The negative value changes in real estate investments affected net income from life insurance negatively

Aktia Q3 2020 Debt investor presentation

3 November 2020

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Structure of lending and deposits

30 September 2020 (31 December 2019)

Lending

Total EUR 6,780 (6,429) million

Deposits

Total EUR 4,497 (4,060) million

13% (11%) EUR 856 (738) million

13% (12%) EUR 897 (771) million

Households

Housing associations

0% (1%) EUR 30 (35) million

74% (76%) EUR 4,996

(4,886) million

Corporates

Public entities and non-profit organisations

9% (6%) EUR 413 (256) million

21% (19%)

EUR 943 (777) million

70% (75%) EUR 3,141 (3,027) million

Households		Corporates and housing associations

Public entities and non-profit organisations

Aktia Q3 2020 Debt investor presentation

3 November 2020

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Remarkable growth in total loan book

Total loan book EUR +351 million and +5% YTD

EUR million								EUR million
1,600										6,800
								6,780
1,400										6,600
1,200										6,400
							6,273
1,000									6,200
					6,029
800								6,000
	5,826
600							5,800
5,798
400										5,600
200										5,400
0										5,200
1-9/2016	1-9/2017	1-9/2018	1-9/2019	1-9/2020
				New lending		Total loan book

• The Group's lending to the public and public-sector entities increased to EUR 6,780 million.
• Aktia's new lending amounted to EUR 1,275 million.

Aktia Q3 2020 Debt investor presentation

3 November 2020

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