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Nordea Bank (NDA-SE) investor relations material
Nordea Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary16 Oct, 2025
Executive summary
Return on equity reached 15.8% in Q3 2025, with earnings per share at EUR 0.36, reflecting strong profitability and resilience amid ongoing geopolitical tensions and muted markets.
Lending and deposit growth accelerated, with mortgage and corporate lending both up 6% year-over-year, retail deposits up 8%, corporate deposits up 1%, and assets under management up 11%.
Credit quality remained robust, with net loan losses showing a net reversal of EUR 19m and further release from management judgement buffers.
Announced a new EUR 250m share buy-back programme, reinforcing commitment to efficient capital structure and supported by a CET1 ratio of 15.9%.
Benefited from easing tariff uncertainties and supportive Nordic macro conditions, including low inflation and interest rates.
Financial highlights
Net interest income was EUR 1,775m, down 6% year-over-year due to lower policy rates and margin compression, while net fee and commission income rose 5% to EUR 811m.
Operating profit was EUR 1.6bn, down 2% year-over-year but stable sequentially; total operating income was EUR 2.91bn, down 3% year-over-year.
Net insurance result increased 10% year-over-year to EUR 66m; net fair value result fell 14% year-over-year to EUR 245m.
Net loan losses saw a net reversal of EUR 19m, reflecting strong credit quality.
Assets under management increased 11% to EUR 456bn, with net inflows of EUR 5bn in Q3.
Outlook and guidance
Full-year 2025 outlook unchanged: on track to deliver return on equity above 15%.
Cost-to-income ratio for 2025 expected to be around 44–46%.
Dividend payout ratio remains at 60–70% of annual profit, with excess capital distributed via buy-backs.
Loan losses expected to normalize at ~10bp annually.
Net interest income expected to be lower in Q4 due to further rate cuts; fee income momentum needs to be sustained.
CET1 impact of Norwegian systemic risk buffer?
What drove management judgement buffer release?
Impact of EU-US trade deal on ECL scenarios?
Explain management buffer retention strategy
Danish business improvement progress
NII trough timing and deposit hedge impact
Reasoning for gradual management buffer release?
When is NII expected to trough?
What actions improve Danish business performance?
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Next Nordea Bank earnings date
CMD 20255 Nov, 2025
Next Nordea Bank earnings date
CMD 20255 Nov, 2025
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Frequently asked questions
Heavy-Hitting Nordic Bank
Nordea Bank is a leading financial institution in the Nordic region. Founded in the year 2000 as the result of a merger of several prominent Nordic banks, Nordea has grown to become a notable player in the European banking landscape. Nordea’s operations span across a wide range of financial services, from retail banking and wealth management to corporate and investment banking. Nordea has grown to become an important player in Europe in general, and the Nordics in particular. The company is headquartered in Finland and trades on the stock exchanges in Copenhagen, Helsinki, and Stockholm.
The Result of A Merger
Nordea came to be as the result of several This consolidation process started with two Swedish banks, Nordbanken and Sundbanken, in 1990. The banking group expanded when it merged with Finland's Merita Bank in 1997, and later with Denmark's Unidanmark and Norway's Christiania Bank. These strategic consolidations led to the creation of a significant banking institution with a pan-Nordic presence, taking the name Nordea, which stands for "Nordic Ideas".
All-encompassing Banking Services
Nordea’s suite of financial services is broad and extensive, aimed at fulfilling the financial needs of a wide range of customers, from individual consumers to large corporations. For everyday banking, Nordea offers checking and savings accounts, loans, credit cards, and a robust online banking platform. Additionally, Nordea's wealth management services provide customers with financial planning and investment services, as well as insurance products.
For corporate clients, Nordea offers services that go beyond traditional banking. These include cash management, trade finance, and treasury services. Nordea also has a strong presence in investment banking, providing services such as capital markets operations, mergers and acquisitions advisory, and equity and debt financing.
An Important Pillar of Nordic Banking
The formation of Nordea has had a substantial impact on the Nordic region as a whole. By bringing together the resources and capabilities of leading banks in Sweden, Denmark, Finland, and Norway, Nordea has strengthened the regional financial infrastructure and created a seamless banking experience across national borders. Its broad range of services has been vital in supporting both individuals and businesses in the region. Some other important banks in the Nordics include names like Danske Bank, Skandinaviska Enskilda Banken, and DNB.
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