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Annual Report 2017

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Annual Report 2017 Aktia Bank Plc ANNUAL REPORT 2017 Bank | Asset Management | Insurance | Real Estate Agency About the Annual Report Calendar 2018 Aktia’s 2017 annual report describes Aktia’s strategy and presents our Annual General Meeting 10 April 2018 group-wide objectives, initiatives and results. Aktia sets out the Group’s corporate responsibility as part of the company’s annual report. The annual Interim Report Jan–Mar 2018 8 May 2018 report covers the major events that have taken place in the calendar year, Half-year Report Jan–Jun 2018 7 August 2018 and their effect on the company and on society. The annual report also includes the report by the Board of Directors, financial statements and Interim Report Jan–Sep 2018 31 October 2018 corporate governance report. The information is also available on the Aktia Group’s website at Annual General Meeting 2018 www.aktia.com. Aktia Bank Plc’s Annual General Meeting is being held at 4.00 p.m. on The annual report can be ordered from Corporate Communications, tel. Tuesday 10 April 2018 at the Pörssitalo, Fabianinkatu 14, Helsinki. +358 10 247 5000 or e-mail [email protected]. All reports are also available on the Aktia Group website www.aktia.com under Investor Relations and Reports and Messages. Right to participate and registration Each shareholder, who is registered in the company’s register of Aktia Bank plc – Capital and Risk shareholders maintained by Euroclear Finland Ltd as at 27 March 2018, Management Report 2017 has the right to participate in the Annual General Meeting. Shareholders whose shares are registered in their personal Finnish book-entry account Aktia Group’s internal control, risks and risk management are presented in are registered in the company’s register of shareholders. Shareholders who greater detail in the Group’s Capital and Risk Management Report, which are registered in the company’s register of shareholders and who wish to is published separately at the same time as the annual report. The report is participate in the Annual General Meeting must register their intention to available at Aktia Group’s web site www.aktia.com. attend by 4.00 p.m. on 4 April 2018, at the latest. Participants can register for the Annual General Meeting: Martin Backman stepped down as a) through the company’s website www.aktia.com CEO of Aktia as of 7 March 2018 b) by telephone at +358 800 0 2474 (8.30 a.m.–4.30 p.m. on weekdays); or c) in writing to Aktia Bank Plc, Group Legal, P.O. Box 207, 00101 Helsinki. Aktia Bank Plc’s Board of Directors and CEO Martin Backman have mutually agreed that Martin Backman will step down as CEO of Aktia as of 7 March For registration purposes, the shareholder is requested to give his/her 2018. Backman has acted as the company’s CEO since March 2017. Juha name and personal identification code or business ID, address, telephone Hammarén, the company’s Executive Vice President & COO, and Deputy to number as well as the name and personal identification code of any CEO, will act as interim CEO. representative. The personal details that shareholders give to Aktia Bank Plc will only be used for purposes associated with the Annual General Meeting and processing the relevant registrations. Dividend For the financial year 2017, the Board of Directors proposes that a dividend of EUR 0.57 per share shall be paid. Shareholders entitled to dividend are those who are registered in the register of shareholders of the company maintained by Euroclear Finland Ltd on the record date 12 April 2018. The Board of Directors proposes that Annual Report 2017 is a translation of the original Swedish version the dividend shall be paid out on 27 April 2018 in accordance with the Årsredovisning 2017. In case of discrepancies, the Swedish version shall prevail. rules of Euroclear Finland Ltd. Contents General 2 Aktia in brief . 2 The year in brief. 4 Courageous in the face of challenges . 6 Key figures . 8 Strategy and social value 10 Aktia is a builder of society. 10 The economy is growing – continued structural challenges. 11 Aktia’s new strategy – focus on asset management and financing . .12 Responsibility is an essential part of asset management. 14 Digital transformation improves customer experience and reduces risks. 16 Personal Banking . 17 Premium Banking. 18 Corporate Banking . 19 Private Banking . .20 Institutions . .21 Responsible business activities . .22 Aktia’s stakeholders . .25 A sustainable offering . 26 Business model . 30 Staff and local cooperation. 31 Environmental responsibility and sustainable development . .33 Report by the Board of Directors 34 Aktia Bank plc – Consolidated and parent company’s financial statements 49 Consolidated fnancial statements. 51 Parent company´s financial statements. 122 The Board of Directors’ and the CEO’s signing of the Report by the Board of Directors and the Financial statements 2017 152 Auditor’s Report 153 Corporate Governance Report of Aktia Bank Abp 157 GRI report 162 Board of Directors 173 Executive Committee 174 General Aktia in brief Aktia dates 903 back to employees 1825 32 when Helsingfors customer Sparbank was service units founded 350,000 10.5 million private customers online banking logins 30,000 15.0 million 70,000 corporate and online banking payments Aktia Wallet institutional customers application downloads 59.1 NPS EUR 9,679 million AUM 2 Aktia Bank plc Annual Report 2017 GENERAL Forms and channels General advising of service n at o So Ch cial m ages ed ebp ia w k n Te ba le p P ile ho b n e o e r s M o e n c i a v N l r k e a e n t s a m d - b v e f i l e e s e n t i i i S l n n n g g O B t r a e l n l c a h w o l a f fi t i c g e i s D 100 % Aktia Life Insurance Ltd The legal structure of Aktia Group 100 % Aktia Fund Management Company Ltd Aktia Bank plc 76 % Aktia Asset Management Ltd 100 % Aktia Corporate Finance Ltd (is quoted in Nasdaq Helsinki Ltd) 100 % Aktia Finance ltd 100 % Aktia Real Estate Agency The number of shares and votes The share of profits generated from the operations 3 % 16 % 3 % 21 % 13 % 30 % 19 % 15 % Number Number Profit of shares of votes 21 % 69 % 33 % 57 % Households Aktia and Savings’ bank foundations Bank Asset management Corporates Corporations and the public sector Insurance Real Estate Agency Services Aktia Bank plc Annual Report 2017 3 The year in brief Q1 Aktia Real Estate Mortgage Bank Plc was merged with Financial overview: Finland – a need for new Aktia Bank plc building blocks On 28 February 2017, in accordance with a previous agreement, the Aktia In spring 2017, Aktia adjusted its growth forecast upwards, Group’s wholly-owned Aktia Real Estate Mortgage Bank plc was merged while pointing out the need for structural changes. During an with Aktia Bank plc. Following the merger, all the Real Estate Mortgage economic boom, it is easier to implement difficult changes. Bank’s assets and commitments were transferred to Aktia Bank plc. Solutions should be found, e.g. for the matching problem on the labour market. Growth in the world economy picked up Aktia raises its profile as a responsible investor pace, but the stimulus measures of monetary policy still have Aktia partnered with ISS-Ethix, strengthening its commitment to great significance. responsible ownership. ISS-Ethix monitors and assesses companies all over the world from the viewpoint of responsibility. ISS-Ethix regularly New executive committee reviews Aktia’s portfolios to ensure that operations concerning holdings In 2017, Aktia appointed a new executive committee. The in shares and corporate bonds are carried out according to standards. The goal of the new executive committee is to enhance the partnership will enable Aktia to steer its companies towards increasingly customer-oriented perspective and increase profitability in responsible activities, since the association of owners brought together business operations. by ISS-Ethix carries greater weight than a single company. The partnership with Wrapp provides benefits and offers to Aktia’s card customers Q2 Aktia integrates the Wrapp application into Aktia Wallet. The partnership gives Aktia’s customers individualised offers based on their purchase history. When customers have made their purchase via Wrapp, money can be reimbursed to their account if the purchase is Aktia appointed new Chief Executive Officer returned. The partnership with Wrapp is a part of the growth in Aktia’s Martin Backman, M.Sc. (Tech.) and M.Sc. (Econ.), was digital services. appointed as new Chief Executive Officer for Aktia Bank plc on 8 September 2016. Mr. Backman started as CEO for Aktia Once again Aktia is one of the world’s best interest fund managers Bank plc on 6 March 2017. Aktia was among the top three interest fund managers when Morningstar, which makes global comparisons, gave awards to Aktia donated half a million euros to promote higher interest fund managers and interest funds. This placing required five education and research years of a very strong ratio between risk and returns in the company’s Aktia Bank donated EUR 500,000 to the universities and funds. The award is a recognition that Aktia’s active portfolio university colleges that are active within the bank’s area of management has been successful in the long term. The successful business. The aim of Aktia’s donations was to promote the interest funds are available to all customers from monthly savers to continuous development of internationally competitive and institutional asset managers.
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