Aktia Bank continues to deliver on its 2022 strategic goals, improving operating profitability and cost efficiency while maintaining robust capitalization. We expect the regional retail franchise, as well as expanding wealth management operations, cost containment following the core banking platform renewal, and projected low loan losses, will support Aktia Bank's financial profile. We are consequently affirming our 'A-/A-2' long- and short-term issuer credit ratings on Aktia Bank. The stable outlook reflects our expectation that Aktia Bank will maintain a sound financial profile, underpinned by very strong risk-adjusted capitalisation in the next 24 months. On Nov. 22, 2018, S&P Global Ratings affirmed its 'A-/A-2' long- and short-term issuer credit ratings on Finland-based Aktia Bank. The outlook is stable. The affirmation reflects
