Outlook

In 2011, Aktia’s focus will be on strengthening customer relations, increasing sales per customer and cross-selling, developing Internet services, and managing costs, risks and capital in order to strengthen profitability. Aktia is endeavouring to grow above the market, particularly in the sectors of retail customers and small companies.

The interest-rate derivatives that temporarily lifted the net interest income (NII) to an exceptional level are gradually maturing from 2011 onwards. The high NII level from 2009-2010 is therefore difficult to replicate in a low interest rate environment. The write-downs on credit are expected to remain at a low level. The full-year result for 2011 will be lower than in 2010. (Previously: The full-year result for 2011 will probably be lower than in 2010). Updated 3 August 2011.