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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Nordea Bank
Nordea Bank (NDA-SE) investor relations material
Nordea Bank Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary15 Oct, 2026
Executive summary
Q3 total income rose 2% YoY to €2.968bn; operating profit fell 4% to €1.541bn, while ROE was 15.1% and diluted EPS €0.35.
Total AuM reached a record €509.4bn, up 13% YoY, alongside lending and deposit growth across key business areas.
Credit quality remained solid, with net loan losses of €74m, or 7bp.
Financial highlights
Net interest income rose 1% YoY and QoQ to €1.799bn; higher volumes and deposit margins partly offset lower lending margins and treasury-related items.
Net fee and commission income increased 9% YoY to €880m; net fair value result fell 19% to €198m amid late-quarter rate volatility.
Operating expenses rose 2% reported YoY to €1.353bn; excluding regulatory fees and FX effects, costs were flat.
Net profit was €1.181bn, down 4% YoY; diluted EPS was €0.35 versus €0.36 a year earlier.
Jan–Sep adjusted for the €190m Q1 restructuring charge, operating profit was €4.783bn versus €4.803bn and net profit was €3.657bn versus €3.683bn.
Outlook and guidance
FY2026 guidance unchanged: ROE above 15% and cost-to-income ratio of 44–45%, excluding regulatory fees and the Q1 2026 restructuring charge.
FY2026 net interest income is expected at the flat-to-slightly-up end of prior guidance; costs are expected to be €5.5bn.
2030 targets: ROE above 15% throughout the period and significantly higher in 2030; cost-to-income ratio of 40–42%, EPS ambition of ~€2.0 and loan losses of ~10bp.
The 2030 cost programme targets €600m gross annual cost take-out through technology, data and AI.
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Latest events from Nordea Bank
- AGM approved a potential €0.40 dividend and broad share issuance and repurchase authorities.NDA-SE
AGM 2020 - All AGM proposals passed, with a EUR 0.80 dividend and broad capital authorizations approved.NDA-SEAGM 2023
- A EUR 0.92 dividend approved alongside Board appointments and capital-management mandates.NDA-SEAGM 2024
- Inflation and rate hikes cloud a slowing outlook despite strong Nordic starting points.NDA-SEStatus Update
- Sticky inflation delays rate cuts as Nordic economies slow unevenly.NDA-SEStatus Update
- Lending margin pressure and FX headwinds persist, but deposit margin benefits are set to grow.NDA-SEPre-close call
- Digital leadership and strategic growth drive strong Nordic performance and efficiency gains.NDA-SEBank of America 31th Annual Financials CEO Conference
- Nordea Mortgage Bank's covered bonds are backed by high-quality Finnish mortgages and strong regulatory safeguards.NDA-SEInvestor presentation
- Strong 2024 results, EUR 0.94 dividend and board re-elections; fossil-fuel proposal rejected.NDA-SEAGM 2025
Next Nordea Bank earnings date
Q4 202628 Jan, 2027
Nordea Bank
Next Nordea Bank earnings date
Q4 202628 Jan, 2027
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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.