contentSlug

type

ContentSlug_ContentQuery

slug

ContentPageContentQuery

content

trendingContent

query ContentSlug_ContentQuery(
  $contentSlug: String!
  $type: [ContentType!]
) {
  ...ContentPageContentQuery_13QmVO
}

fragment CompanyDetails_Content on Content {
  __isContent: __typename
  companies {
    name
    description
    pageUrl
    id
  }
}

fragment ContentBasicInfo on Content {
  __isContent: __typename
  id
  type
  title
  lang
  companies {
    viewerIsFollowing
    id
    name
    pageUrl
  }
  tags {
    viewerIsFollowing
    id
    name
    pageUrl
  }
  ...PublishingDetails
  ...Reactions
}

fragment ContentMetadata on Content {
  __isContent: __typename
  type
  title
  lang
  pageUrl
  alternatePageUrls: translations {
    __typename
    pageUrl
    lang
  }
  imgUrl
  description
  ... on Video {
    liveTime
    videoUrl
  }
  ... on Webcast {
    liveTime
    videoUrl
  }
}

fragment ContentPageContentQuery_13QmVO on Query {
  content(slug: $contentSlug, type: $type) {
    __typename
    id
    type
    title
    isPremium
    lang
    htmlBody
    summary
    companies {
      forum {
        latestPosts {
          ...ForumPosts
        }
      }
      name
      id
      viewerIsFollowing
      pageUrl
      defaultInstrument {
        isin
        id
        marketOpen
        marketClose
        marketplace {
          region
        }
        returns {
          total
        }
      }
    }
    tags {
      viewerIsFollowing
      id
      name
      pageUrl
    }
    createdAt
    ... on Video {
      liveTime
    }
    ... on Webcast {
      liveTime
    }
    slug
    ... on CompanyReport {
      reportUrl
    }
    ... on ThirdPartyCompanyReport {
      reportUrl
    }
    ... on StockExchangeRelease {
      reportUrl
    }
    ...ContentBasicInfo
    ...ContentMetadata
    ...PriceAndRecommendation_Content
    ...CompanyDetails_Content
    ...ReportLink_Content
    ...KeyFigures_Content
  }
  ...TrendingContent_1jQ2Cn
}

fragment ForumPosts on ForumPost {
  text
  likesCount
  url
  author
  postedAt
  authorImgUrl
}

fragment KeyFigures_Content on Content {
  __isContent: __typename
  companies {
    defaultInstrument {
      estimateData {
        modelType
        reportingCurrency
      }
      snapshot {
        transaction {
          date
          actualized {
            year
            quarter
            revenue
            revenueGrowth
            ebitAdjusted
            ebitReported
            ebitda
            enterpriseValue
            epsAdjusted
            dividend
            dividendYield
            sharePrice
            nav
            navPerShare
            opexOfNav
            quarterlySharePrice
          }
          estimates {
            year
            quarter
            revenue
            revenueGrowth
            ebitAdjusted
            ebitReported
            ebitda
            enterpriseValue
            epsAdjusted
            dividend
            dividendYield
            sharePrice
            nav
            navPerShare
            opexOfNav
            quarterlySharePrice
          }
        }
      }
      id
    }
    id
  }
}

fragment PriceAndRecommendation_Content on Content {
  __isContent: __typename
  createdAt
  companies {
    name
    pageUrl
    defaultInstrument {
      priceData {
        tradeCurrency
      }
      snapshot {
        priceData {
          date
          lastPrice
          tradeCurrency
        }
        transaction {
          date
          recommendation
          targetPrice
        }
        prevTransaction {
          recommendation
        }
      }
      id
    }
    id
  }
}

fragment PublishingDetails on Content {
  __isContent: __typename
  createdAt
  publishers {
    name
    imgUrl
  }
  authors {
    __typename
    id
    name
    slug
    imgUrl
    jobTitle
  }
  ... on Video {
    liveTime
  }
  ... on Webcast {
    liveTime
  }
}

fragment Reactions on Content {
  __isContent: __typename
  id
  reactionGroups {
    reactionType
    reactionsCount
    viewerReacted
  }
}

fragment ReportLink_Content on Content {
  __isContent: __typename
  type
  isPremium
  ... on CompanyReport {
    reportUrl
  }
  ... on ThirdPartyCompanyReport {
    reportUrl
  }
  ... on StockExchangeRelease {
    reportUrl
  }
}

fragment TrendingContent_1jQ2Cn on Query {
  trendingContent(type: ARTICLE) {
    __typename
    id
    title
    lang
    pageUrl
    createdAt
    type
    imgUrl
    companies {
      squareLogoUrl
      name
      id
    }
    authors {
      __typename
      imgUrl
      id
    }
    publishers {
      imgUrl
    }
  }
}


aktias-arsredovisning-for-2025-publicerad

__typename

title

isPremium

lang

htmlBody

summary

companies

createdAt

publishers

authors

reactionGroups

pageUrl

translations

imgUrl

description

Aktia Pankki offers banking services. The company is a Nordic financial company and offers financial services, asset management, insurance, and real estate brokerage. A large part of the services are offered via the company's network services and are offered to both private and corporate customers in most sectors. The largest presence is in the Finnish market. The company is headquartered in Helsinki.

Kassu has written a new report on Aktia  Uncertainty regarding economic development has clearly increased recently, and our estimate of Aktia’s volume development is more cautious than before. At the same time, rising market interest rates support the net interest income, so overall, our earnings forecasts for the coming years increased slightly. However, after the share price increase, Aktia’s valuation is already neutral, so in a foggy market environment, the return expectation no longer appears sufficiently attractive.                   Inderes              Aktia: Aika siirtyä toistaiseksi katsomon puolelle - Inderes    Epävarmuus talouskehityksen osalta on kasvanut selvästi viime aikoina, ja arviomme Aktian volyymikehityksestä on aiempaa varovaisempi. Samalla markkinakorkojen nousu kuitenkin tukee korkokatetta, joten kokonaisuutena lähivuosien tulosennusteemme...

I completely agree. I thought that salary costs + share-based payments had been calculated here, and that these would be unreasonable compared to other banks, but they haven’t even bothered to investigate that far. You can’t just argue that share-based payments shouldn’t be distributed, for example, just because the share price hasn’t developed as desired. It’s a bit like saying you’ll get 50% of your salary compared to peers if we’re doing badly; probably not the best way to turn the ship around.

Close call, the interest rate on this Aktia bond is 6.75%:                   Inderes              Aktia Pankki Oyj laskee liikkeeseen 80 000 000 euron ensisijaisen lisäpääoman...    Aktia Pankki Oyj Pörssitiedote 25.3.2026 klo 20.00Aktia Pankki Oyj laskee liikkeeseen 80 000 000 euron ensisijaisen lisäpääoman (Additional Tier 1) joukkovelkakirjalainanTÄTÄ TIEDOTETTA EI SAA...

I don’t really have a vested interest in the matter, but I can’t help but wonder how poorly reasoned and, frankly, foolish that proposal from the shareholders is. Anyone with even a basic understanding of mathematics/financial theory can calculate that, on a theoretical level, there is no difference between the alternatives in terms of the end result, meaning ±0. When practicalities like transaction costs and taxes are considered, it is significantly more sensible to handle it in the current manner. I hope such insane proposals do not spread to other general meetings. -Professor

Thank you, @oscartaimitarha, for your excellent response. It’s always appreciated when a company representative takes the trouble to comment here. Hopefully, a good dialogue on this topic will also emerge with the Shareholders’ Association. From a shareholder’s perspective, regardless of how the incentive system is implemented, the most important thing is probably whether we get so-called value for money. In Aktia’s case, my own subjective feeling is that Aktia’s management has not performed exceptionally well compared to other players in the industry, at least if Oma Säästöpankki (Oma Savings Bank) is excluded from the comparison. And the door has been revolving so frequently that the retention effect seems to have been weak. However, let’s hope for good future success for Aktia; then, one is happy to pay out rewards.

Hello @Badwithmoney, @Sereno, and @Opa, I believe this is an important discussion, and it’s good that shareholders want to engage in dialogue with the board. Compensation can be structured in various ways – of course, it always involves the owner giving up a small share in the hope that this investment will pay off in the long run. This is undeniably a topic with multiple perspectives, and it’s complex enough that there isn’t necessarily a right or wrong answer. Therefore, it’s good to note that the overall picture might be slightly more nuanced than what has been brought up in the discussion. Firstly, share-based compensation is not solely the company’s choice; financial sector regulation requires a significant portion of variable compensation to be paid in shares. The goal, in any case, is precisely to ensure a long-term alignment of interests between management and personnel with shareholders, and to curb excessive risk-taking. Aktia has a share savings program for all employees called AktiaUna, where shares are subscribed for (at a slightly reduced price) using a portion of their salary. A large part of directed issues are for this purpose. If a Una-saver then holds their shares according to the program’s terms, they receive additional shares as a reward. In stock exchange releases, we disclose the purpose of issues and transfers. Secondly, the “new shares vs. shares bought from the market” dichotomy presented in the discussion is a slight simplification from an economic standpoint. In both options, a cost arises for shareholders – the difference is mainly whether it appears as dilution or as a reduction in cash reserves and distributable capital. The latter, in turn, can reflect, for example, on the company’s capital, dividend distribution capacity, and thus also on the share’s valuation. Thirdly, it’s worth noting that directed share issues for compensation purposes are both compliant with the Companies Act and widely established market practice. They are specifically used in situations where there is a weighty financial reason, such as incentive schemes. Furthermore, on a practical level, the alternative where shares are acquired from the market is not entirely straightforward: it requires, among other things, regulatory approvals for the bank and incurs transaction costs and potential market impacts. In addition, stamp duties generate costs. In summary, it could be said that the question is not so much about a “good vs. bad” solution, but rather about the balance between different implementation methods. Both methods have their effects, and therefore it has generally been considered justified that the board retains the flexibility to use the most appropriate solution at any given time from the perspective of the shareholders’ overall interest. Different types of owners may also have different wishes: for some, dividends may be most important, for others not. This therefore requires balancing. However, this discussion is a dialogue between the board and shareholders, which I hope can be conducted constructively and without causing antagonism. Ultimately, the goal of all parties is the success of the company and its owners. Have a nice rest of the week! Regards,  OT/Aktia IR

This sounds like a good initiative!  I’ll bump this thread on the forum, as today seems to be the last day to vote for this initiative by proxy.  The proxy form can be found at the link below. If you use a proxy, it must be completed, signed, and sent to edunvalvonta@osakeliitto.fi by March 24, 2026, at the latest. The association will forward all received proxies to Aktia on March 25, 2026.

Aktia Pankki

Aktia Bank Abp Börsmeddelande 11.3.2026 kl. 11.00Aktias årsredovisning för 2025 publiceradAktia har i dag publicerat årsredovisningen för 2025. Årsredovisningen omfattar Aktias årsberättelse...

Aktia Bank Abp Börsmeddelande 11.3.2026 kl. 11.00Aktias årsredovisning för 2025 publiceradAktia har i dag publicerat årsredovisningen för 2025. Årsredovisningen omfattar Aktias årsberättelse, styrelsens verksamhetsberättelse (inkl. hållbarhetsrapport), bokslut, bolagsstyrningsrapport och ersättningsrapport.Aktia har samtidigt publicerat även riskrapporten (Pillar III Report).Alla dokument finns tillgängliga på Aktias nätsida www.aktia.com under Investerare &gt; Rapporter och presentationer.Aktias årsberättelse, styrelsens verksamhetsberättelse, bokslutet, bolagsstyrningsrapporten och ersättningsrapporten finns tillgängliga på finska, svenska och engelska. Riskrapporten finns tillgänglig på engelska.Bokslutet publiceras enligt ESEF (European Single Electronic Format)-rapporteringskraven. Revisionssammanslutningen KPMG Oy Ab har lämnat en oberoende bestyrkanderapport som ger begränsad säkerhet om ESEF-bokslutet som Aktia upprättat. Bestyrkandeuppdraget har utförts i enlighet med standarden ISAE 3000.Aktias hållbarhetsrapport har utarbetats i enlighet med bokföringslagen, de europeiska standarderna för hållbarhetsrapportering (ESRS) och EU-taxonomin. Revisionssammanslutningen KPMG Oy Ab har verifierat rapporten på en begränsad säkerhetsnivå.Aktia Bank AbpMera information: Oscar Taimitarha, direktör för investerarrelationer, tfn 040 562 2315, e-post ir (at) aktia.fiDistribution: Nasdaq Helsinki Oy Massmedier www.aktia.comAktia, som i år firar sin 200-åriga historia, är en växande finländsk finanskoncern. Sedan 1826 har vårt uppdrag varit att trygga och öka våra kunders och hela samhällets förmögenhet och välfärd. Vår verksamhet bygger på starka värderingar, långsiktighet och förtroende. Vi erbjuder våra kunder runt om i Finland sakkunnig och individuell hjälp med att utveckla sin ekonomi och förmögenhet över generationerna. Vår prisbelönta kapitalförvaltnings fonder säljs även internationellt. Vår starka affärsmodell består av kapitalförvaltning, livförsäkring och bankverksamhet som kompletterar varandra. Vi sysselsätter cirka 825 personer på olika håll i Finland. Aktias förvaltade tillgångar (AuM) i brutto 31.12.2025 uppgick till 16,6 miljarder euro och balansomslutningen till 12,0 miljarder euro. Aktias aktie noteras på Nasdaq Helsinki Oy (AKTIA). Läs mer om Aktia: aktia.com.<div></div>