AKTIA BANK DEBT INVESTOR PRESENTATION 1-9/2017

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1 AKTIA BANK DEBT INVESTOR PRESENTATION 1-9/2017

2 EXECUTIVE SUMMARY AKTIA BANK PLC Retail bank with focus on growth areas in Finland Provides services mainly to private customers, small-sized companies and institutional investors Business strongly supported by own branch network Households accounts for 81 % of the loan portfolio and 72 % of the deposit stock Prudent lending policy and low loan losses Write-downs EUR 0.1 million (0.00 %) in 1-9/2017, non performing loans 0.66 % Solid profitability over time Return on Equity (ROE) 6.9 % in 1-9/2017 Strong Capital Ratio Tier 1 Capital Ratio 17.3 % Credit ratings Moody's: A3 / P-2, positive Covered Bonds: Aaa S&P: A- / A-2, stable 2 2

3 PRESENTATION OUTLINE 1 Overview Aktia Group 2 Financial key figures Aktia Bank plc 3 Credit ratings 4 The Finnish economy 5 Summary and Contacts 3 3

4 BANKING, ASSET MANAGEMENT AND INSURANCE SERVICES TO 380,000 CUSTOMERS Focus on households, small-sized companies and institutional investors Solid capital base, liquidity and funding position Market cap EUR 651 million,~40,000 shareholders The majority of shares held by committed long-term owners Aktia Bank Plc (1-9/2017) Banking Operating income EUR million Operating profit EUR 38.9 million Assets EUR 9,515 million Operating profit EUR 25.1 million Market share in mortgages (households) 4.2 % and in deposits 3.6 % Asset Management & Life Insurance Operating profit EUR 20.1 million Market share in mutual funds 4.2 % Market share in life insurances 2.3 % Other services include Non- life Insurance, Real Estate Services Sources: Bank of Finland and Federation of Finnish Financial Services 4 4

5 GROUP STRUCTURE Aktia Bank plc (listed on NASDAQ Helsinki) 100 % 100 % 100 % 76 % 100 % 100 % Aktia Life Insurance Ltd Aktia Fund Management Company Ltd Aktia Real Estate Agency Aktia Asset Management Ltd* Aktia Corporate Finance Ltd Aktia Finance Ltd *Minority shares used as incentives for key personnel 5 5 5

6 AKTIA BANK PLC FOCUS ON RETAIL BANKING AND INSTITUTIONAL INVESTORS Aktia Bank is the 4th largest bank in the Finnish retail market with focus on growth areas in Finland such as the Helsinki Metropolitan Area, the coastal area and selected inland growth centres. The majority of Finland's population lives in this area. Business strongly supported by own branch network. Aktia has more than 40 branch offices supported with comprehensive service concept Omni Channel, including web-based services, mobile services, call centre etc. 6 6

7 ASSET MANAGEMENT WINNING AWARDS Morningstar Awards Best Finnish Fund House, Fixed Income 2016, 2017 Best Fund House, Fixed Income 2013, 2014 and 2015 Best Balanced Fund (Aktia Secura) 2015 TOP 3 Fixed Income Fund (Aktia Corporate Bond) 2015, 2016, 2017 TOP 3 Multi Asset Manager 2013 Scandinavian Financial Research Awards SFR Platinum Award 2010, 2012, 2013 SFR Gold Award 2011, 2015, 2016, 2017 Thomson Reuters Lipper Fund Award Best Group over 3 years, Overall Group Award, Small Company, Nordics 2017 TNS Sifo Prosperas #3 External Asset Management 2017 Finland 7

8 AKTIA LIFE INSURANCE PRODUCER OF CUSTOMER FRIENDLY LIFE INSURANCE SERVICES Key numbers Technical provisions EUR 1,205 million (EUR 784 million unit-linked and EUR 422 million interest rate related) Solvency ratio % Several co-operation partners in the finance trade Aktia Bank, Folksam Non-Life Insurance Company, POP Bank Group, Pohjantähti Mutual Insurance Company, Alandia Insurance, Veritas Pension Insurance Customers Approximately 106,600 customers of which 101,000 are private customers and 5,600 corporate customers 11% 2.3% 8% 22% Market share 25% 31% Nordea Life Mandatum Life OP-Pohjola Group LocalTapiola Mutual Life Aktia Life Insurance Others Focusing sales on more profitable, less capital intensive products Life Insurances Loan Insurances Aktia Profile Policy 8 8

9 THE CORNERSTONES OF AKTIA S STRATEGY PREFERENCE CUSTOMERS INCREASE AND SECURE OUR PREMIUM CUSTOMERS CUSTOMERS WEALTH We provide tailored solutions for investments and financing in an easy and sustainable way. DEVELOP OUR SERVICE MODEL We enhance our specialist organisation and offer our customers advanced services and individual solutions. MAKE USE OF DIGITALISATION We invest in flexible digital concepts and user interfaces in order to offer our services. 9 DIGITALISATION

10 FINANCIAL OBJECTIVES UP UNTIL 2022 AND DIVIDEND POLICY Financial objectives 2022 Improve the comparable operating profit to approximately EUR 80 million (2016; EUR 57.5 million) Improve the comparable cost-to-income ratio to 0.61 (2016; 0.70) Improve Return on Equity (ROE) to at least 9.7% (2016: 8.0%) Common Equity Tier 1 capital ratio (CET1) at 1.5-3% over regulatory requirements (2016: 19.5%) Dividend policy Dividend pay-out 60 80% of profit for the period after taxes (2016: 81%) 10

11 PRESENTATION OUTLINE 1 Overview Aktia Group 2 Financial key figures Aktia Bank plc 3 Credit ratings 4 The Finnish economy 5 Summary and Contacts 11 11

12 CAPITAL ADEQUACY Aktia s Common Equity Tier 1 Capital (CET1 %) on a good level Aktia s Common Equity Tier 1 Capital decreased due to New core banking system increased intangible assets and other deductibles Growth in corporate lending increased risk-weighted assets by EUR 208m Common Equity Tier 1 capital ratio, % Change in CET1% CET1 % % Increased intangible assets and other deductibles -0.3 percentage points Risk-weighted assets +EUR 208m -1.8 percentage points CET1 % % Aktia 2016 Banks in Finland average 2016* Aktia 9/ * Source: FSA

13 RESULTS 1-9/2017 EUR million 1-9/ /2016 change % total 2016 Net Interest Income % 95.6 Net Commission Income % 79.7 Total Operating Income % Total Operating Expenses % Write-Downs % -2.2 Operating Profit % 61.5 Profit for the period % 49.3 Comparable operating profit % 57.5 KEY FIGURES Banking Business, EUR million 1-9/ / Cost-to-Income Ratio Return on Equity (ROE) % Borrowing from the public 4,186 4,254 4,164 3,922 Lending to the public 5,826 5,798 5,717 5,856 Mortgage Loans 4,494 4,558 4,482 4,736 Capital Adequacy Ratio % Tier 1 Capital Ratio % Risk-Weighted Commitments 2,206 2,114 1,998 1,

14 ASSETS AND LIABILITIES Aktia Group EUR million ASSETS LIABILITIES Loans to public 5, % Demand deposits 3, % Mortgage loans (households) 3,967 Time deposits % Corporate loans 605 Long-term issues to retail market % Loans to Housing Companies 463 Senior debt 0 Consumer loans (households) 365 Subordinated debt 238 Other loans 426 Long-term funding 2, % Treasury and money markets % Covered bonds 1,648 Current account at Bank of Finland 135 Senior debt 834 Other 141 ECB 400 Liquidity portfolio 1, % Short-term funding % Level 1-eligible 615 Repos + ECB 100 Covered Bonds 992 CDs & wholesale MM deposits 0 Others 328 Received cash collateral 89 Investment portfolio in Life Insurance % Technical prov. Insurances 1, % Invest. for unit-linked provisions, Life Insurance % Other Liabilities % Other assets % Equity % Total assets 9, % Total liabilities and equity 9, % 14

15 STRUCTURE OF LENDING AND DEPOSITS BUSINESS STRONGLY SUPPORTED BY HOUSEHOLDS THROUGH OWN RETAIL NETWORK Lending 3Q 2017, EUR 5,826 million (2016, EUR 5,717 million) Deposits 3Q 2017, EUR 4,134 million (2016, EUR 4,164 million) 15 15

16 PRUDENT AND LOW RISK LENDING POLICY Aktia Bank operates under strict origination criteria: Identification of the customer mandatory Responsible lending: customer ability to pay stress tested Credit personnel internally educated and examined Rating based credit risk valuation Collateral only in Finland Non-performing loans more than 90 days overdue 16 16

17 HIGH QUALITY LIQUIDITY PORTFOLIO At the end of September the Bank Group s liquidity buffer was approximately equivalent to the estimated outgoing cash flow of finance from the wholesale market for 33 months Aktia meets LCR demands ( ; 116 %) 15 % 2 % 32 % (EUR million) 1,967 1,794 Aaa 53.4 % 53.3 % Aa1 Aa % 29.6 % A1 A3 4.7 % 4.8 % 51 % Government and gov guaranteed bonds Covered bonds Financial sector excl. CB Corporate bonds Baa1 Baa3 2.4 % 3.0 % Finnish municip. (no rating) No rating 11.1 % 9.3 % 2.8 % 0.0 % Total % % 17 17

18 SOUND FUNDING PROFILE DEPOSITS AND COVERED BONDS DOMINATE Funding profile 3Q/2017 EUR 7,357 million (2016; EUR 7,254 million) Long term debt maturity October Wholesale Funding, EUR million * RCB, EIB, NIB etc. Nominal Value Covered bonds 1,565 EMTN Program 565 Domestic Program 238 Schuldschein 204 Other Funding *

19 AKTIA BANK PLC, A MORTGAGE BANK Aktia Bank operates under the current legislation as mortgage bank (Act on Mortgage Credit Bank Operations, MCBA 688/2010) and issues the covered bonds directly from the bank s balance sheet. The Bank replaces the old co-owned Aktia Real Estate Mortgage Bank Plc as the active issuer on the EUR covered bond market. The Aktia Bank mortgage loan portfolio is of very high quality: Only prime residential mortgage loans Collateral located in Finland Low average LTV Aktia Bank covered bonds are CRR & UCITS and ECB repo eligible Banks aims to comply the ECBC covered bond label transparency initiative Stable access to the covered bond market is in high priority Aktia Bank will focus at EUR 500m public benchmark Covered Bond issues with selective private placement offerings 19 19

20 COVER POOL 1, SEPTEMBER 2017 Asset Pool Total EUR 240m (no substitute assets) No of loans / average loan balance 2,926 / EUR 81,900 Types of loans First ranking residential mortgages and pledges of shares in housing companies Geography Finland only, well diversified with concentration on growth areas Non-performing loans (> 90 days in arrears) 0.0 WA indexed LTV 39.41% Maximum LTV LTV limit: 70% Interest base Floating 98%, fixed 2% WA seasoning 55.6 months % of largest 10 borrowers 2.81% Overcollateralisation (%) % (Committed OC 12%) 20 20

21 COVER POOL 2, SEPTEMBER 2017 Asset Pool Total EUR 2,014m (no substitute assets) No of loans / average loan balance 32,904 / EUR 61,200 Types of loans First ranking residential mortgages and pledges of shares in housing companies Geography Finland only, well diversified with concentration on growth areas Non-performing loans (> 90 days in arrears) 0.0 WA indexed LTV 47.31% Maximum LTV LTV limit: 70% Interest base Floating 96%, fixed 4% WA seasoning 43.4 months % of largest 10 borrowers 0.39% Overcollateralisation (%) 30.80% (Committed OC 10%) Moody s Collateral Score 5,1% 21 21

22 PRESENTATION OUTLINE 1 Overview Aktia Group 2 Financial key figures Aktia Bank plc 3 Credit ratings 4 The Finnish economy 5 Summary and Contacts 22 22

23 AKTIA BANK CREDIT RATINGS Senior: Covered Bonds: A3 / P-2, positive outlook Aaa Senior: A- / A-2, stable outlook For full rating reports please see

24 PRESENTATION OUTLINE 1 Overview Aktia Group 2 Financial key figures Aktia Bank plc 3 Credit ratings 4 The Finnish economy 5 Summary and Contacts 24 24

25 MACROECONOMIC ENVIRONMENT OPEN ECONOMY WITH STABLE INSTITUTIONS FINLAND Population: 5.5 million Area: sq. km GDP per capita EUR (2016) Finland is rated Aa1 (stable) / AA+ (stable) / AA+ (stable) Finland: Supply and demand 2016 billion % of GDP GDP Imports Exports Private consumption Public consumption Fixed investment

26 THE FINNISH ECONOMY SUBSTANTIAL PART OF EXPORTS OUTSIDE THE EU Exports by country (2016) Exports by product group (2016) Source: National Board of Customs, Statistics Finland 26 26

27 % % Index 2008 Q1 = 100 % MACROECONOMIC ENVIRONMENT GDP GROWTH STILL MODEST, TRADE GROWTH PICKING UP GDP, world GDP growth, Finland World imports (6 months, ma) Unemployment rates, Europe 27 Source: Aktia Bank and Macrobond 27

28 MACROECONOMIC ENVIRONMENT Development of prices of old dwellings in housing companies quarterly, index 2010=100 Share of housing loans in the income of household-dwelling units with housing loans in 2002 to 2014 Source: Statistics Finland 28 28

29 PRESENTATION OUTLINE 1 Overview Aktia Group 2 Financial key figures Aktia Bank plc 3 Credit ratings 4 The Finnish economy 5 Summary and Contacts 29 29

30 EXECUTIVE SUMMARY AKTIA BANK PLC Retail bank with focus on growth areas in Finland Provides services mainly to private customers, small-sized companies and institutional investors Business strongly supported by own branch network Households accounts for 81 % of the loan portfolio and 72 % of the deposit stock Prudent lending policy and low loan losses Write-downs EUR 0.1 million (0.00 %) in 1-9/2017, non performing loans 0.66 % Solid profitability over time Return on Equity (ROE) 6.9 % in 1-9/2017 Strong Capital Ratio Tier 1 Capital Ratio 17.3 % Credit ratings Moody's: S&P: A3 / P-2, positive Covered Bonds: Aaa A- / A-2, stable 30 30

31 CONTACTS AND ADDITIONAL INFORMATION Timo Ruotsalainen Head of Treasury Tel Anna Gabrán Investor Relations Tel Debt investor information: (website) (interim reports and presentations) 31 31

32 APPENDIX 1, GEOPOLITICAL DISTRIBUTION OF INVESTMENTS DUE TO INSTRUMENT TYPE, AKTIA BANKING OPERATIONS Aktia Banking operations Government and Govt. guaranteed Covered Bonds (CB) Financial institutions exkl. CB Corporate bonds Equity Instruments Total (Eur million) 9/ / / / / / Finland Norway Sweden France United Kingdom Netherlands Canada Denmark Germany Austria Supranationals Others Total ,935 1,

33 APPENDIX 2, GEOPOLITICAL DISTRIBUTION OF INVESTMENTS DUE TO INSTRUMENT TYPE, AKTIA LIFE INSURANCE Aktia Life Insurance Government and Govt. guaranteed Covered Bonds (CB) Financial institutions exkl. CB Corporate bonds Real estate Alternative investments Equity Instruments Total (Eur million) 9/ / / / / / / / Finland France Netherlands United Kingdom Austria Denmark Sweden Germany Supranationals Others Total

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