SI
Bank Universe

Data source: Metrics for European banks are sourced from 2025 annual reports and ECB/EBA Pillar 3 disclosures. Figures are updated semi-annually as regulatory filings are published — not via real-time API like US banks (FDIC).

Aktia Bank

AKTIA
Finland · EuropeRegulated by FinanssivalvontaLatest: 2025-Q4
17LOW

CET1 Ratio

16.30%

Common Equity Tier 1 / RWA

Risk-Weighted Assets

$4.8B

+1.10% QoQ growth

Total Loan Book

$10.2B

+4.1% YoY growth

Leverage Ratio

6.50%

Tier 1 / Average assets

CET1 Ratio Trend

8 quarters · regulatory minimum 8% · scoring threshold 12%

RWA Growth

Bars = total ($B) · Line = QoQ growth %

Loan Book Composition

Latest quarter · 2025-Q4

Comm. Real Estate26.0%
Consumer31.0%
SME / C&I22.0%
Other21.0%

Metric History

12 quarters · FDIC Call Report data

QuarterCET1 %Leverage %RWALoan BookLoans YoYRWA QoQCRE %Consumer %SME %SRT Score
2025-Q4latest16.30%6.50%$4.8B$10.2B+4.1%+1.10%26.0%31.0%22.0%17
2025-Q316.10%6.40%$4.7B$10.1B+3.1%+1.10%26.0%31.0%22.0%19
2025-Q215.90%6.30%$4.7B$10.0B+2.0%+1.10%26.0%31.0%22.0%19
2025-Q115.70%6.20%$4.6B$9.9B+1.0%+1.10%26.0%31.0%22.0%19
2024-Q415.40%6.10%$4.5B$9.8B+4.3%+1.10%26.0%31.0%22.0%14
2024-Q315.50%6.20%$4.5B$9.7B+4.3%+1.10%26.0%31.0%22.0%14
2024-Q215.60%6.30%$4.5B$9.6B+4.3%+1.10%26.0%31.0%22.0%14
2024-Q115.70%6.40%$4.4B$9.5B+4.4%+1.10%26.0%30.0%22.0%13
2023-Q415.80%6.50%$4.3B$9.4B+4.1%+1.20%26.0%30.0%22.0%12
2023-Q315.90%6.60%$4.3B$9.3B+4.0%+1.20%26.0%30.0%22.0%12
2023-Q216.00%6.70%$4.3B$9.2B+3.9%+1.20%26.0%30.0%22.0%12
2023-Q116.20%6.80%$4.2B$9.1B+3.8%+0.50%26.0%30.0%22.0%10

AI Investment Memo

Llama will analyze Aktia Bank across 4 data dimensions and write a structured memo

Score: 17/100·Model: llama-3.3-70b·Tools: get_bank_metrics · get_historical_deals · get_regulatory_context · calculate_candidate_score

Click Generate Analysis to create an investment memo

Llama will call 4 tools then write a structured memo covering thesis, deal sizing, timing, and risks

Score Breakdown

17/100 —LOW

Live score · base 15 pts +2 macro adj

Capital Pressure0/40

CET1 16.30% — well above management threshold

+0

-4.30pp headroom above 8% regulatory floor

+0

Leverage ratio 6.50% — adequate headroom

+0
Loan Book Growth8/30

Loan book grew 4.1% YoY

+0

RWA grew 1.1% QoQ

+4

CRE: 26%, Lev.Loans: 0%, max(Consumer/SME): 31%

+4
Historical SRT0/25

No prior SRT deals on record

+0
Macro Context7/10

Live macro signal: FAVORABLE (sentiment +6/20) — 7/10 pts

+7
Small Bank

<$50B total assets — typically too small for SRT market access

-8
Europe regional bonus+8
Macro environment · FAVORABLE+2

Sentiment +6/20 · global +2 pts

Overall SRT likelihood17/100