Book size: 1200; Registration: Reg S Only; Comments: EUR500m 7yr cpn fxd 2.875% at 99.781, yld 2.91%. Spread: MS+25bps. DBR 2.3 02/15/2033 +31.3bps (@98.12), HR 100%. LEI: 743700GC62JLHFBUND16;

Reoffer: 7yr: MS+25bp / 99.781 / 2.910% Benchmark: 7yr: DBR 2.3 15-Feb-33 @ 98.12 / B+31.3bp / HR 100% Final Books: Final books above €1.2bn (incl. €100mn JLM). Peak book above €1.45bn (incl. €100mn JLM) Launched: 7yr: €500mn @ MS+25bp - Books above €1.45bn (incl. €100mn JLM) Guidance: 7yr: MS+32a Issuer: Aktia Bank plc (Ticker: AKTIA) LEI: 743700GC62JLHFBUND16 Status of the Notes: Mortgage Covered Bond, backed by prime Finnish residential mortgages, RegS Bearer, New Global Note, LCR Level 1 & ECB repo eligible Label: European Covered Bond (Premium) Exp. Issue Rating: Aaa by Moody’s Currency / Size: €500mn Tenor: 7-year Settlement Date: 16-Feb-26 (T+5) Maturity Date: 16-Feb-33 ("soft bullet") Reoffer: MS+25bps / 99.781 / 2.910% Benchmark: DBR 2.3 15-Feb-33 +31.3bps (@98.12), HR 100% Coupon: 2.875% p.a., fixed, annual, act/act ICMA, following, unadjusted Business Days: TARGET2 and Clearing Systems, Following Business Day Convention Clearing: Euroclear / Clearstream Luxembourg Denoms/Listing: EUR 100,000 + 100,000 / Luxembourg Stock Exchange’s regulated market Law: English law, except for the provisions relating to coverage of the Covered Bonds and the Coupons pursuant to the CBA, and any non-contractual obligations arising out of or in connection with such provisions, which are governed by, and shall be construed in accordance with, Finnish law ISIN: XS3291934209 Documentation: Under the Issuer’s €6,000,000,000 Euro Medium Term Note and Covered Bond Programme dated 10 July 2025 as supplemented on 7 August 2025, 7 November 2025 and 5 February 2026 (the “Programme”) Advertisement: The Base Prospectus, Prospectus Supplements and final terms are available at: https://www.aktia.com/en/investors/debt-and-funding-strategy/funding/year/2025 Manufacturer target market: Manufacturer target market (MiFID II product governance) is eligible counterparties and professional clients only (all Distribution Channels). No PRIIPs key information document (KID) has been prepared as not available to retail in EEA. Joint Lead Managers: Commerzbank (B&D), Danske Bank, Erste Group, LBBW and Nordea Fees: The Banks will be paid a fee by the issuer in respect of the placement of the securities Timing: TOE: 13.54 CET / FTT: 14.15 CET