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Nordea Bank (NDA-SE) investor relations material
Nordea Bank CMD 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.CMD 2025 summary5 Nov, 2025
Strategic priorities and vision to 2030
Aims to be the best-performing financial services group in the Nordics by 2030, targeting a return on equity above 15% each year, a cost-to-income ratio of 40%-42%, and earnings per share of around €2 by 2030.
Strategy is built on focused growth in six key areas, digital leadership, personalized customer offerings, and unlocking Nordic scale for efficiency and value creation.
Growth priorities include expanding in Sweden and Norway, deepening customer relationships, and leveraging leadership in private banking, life and pensions, and small business segments.
Technology, data, and AI are central to delivering personalized experiences, operational efficiency, and cost savings, with over €600 million in annual gross savings targeted by 2030.
Sustainability is fully embedded in the strategy, supporting customers' transitions and ensuring long-term resilience.
Financial guidance and performance targets
Expects to deliver income growth 1.5x the market rate, driven by market share gains and structural efficiency improvements.
Cost growth is capped at 2% CAGR to 2030, below wage and IT inflation, with positive jaws and a net reduction in FTEs anticipated.
Loan loss charges are guided at around 10 basis points, reflecting a strong credit portfolio and no planned increase in risk appetite.
Capital policy remains unchanged, with a CET1 ratio of 15.5% and over €20 billion expected to be distributed to shareholders from 2026-2030, with a 60%-70% payout ratio and semi-annual distributions.
Dividend policy is 60%-70% payout, with a new interim or semi-annual dividend payment introduced from 2026.
Business area strategies and operational transformation
Personal banking targets over 19% ROAE and a cost-to-income ratio below 43% by 2030, with over 80% of sales to be digital.
Asset and wealth management aims for above-market growth, targeting over 40% ROAE and a cost-to-income ratio below 36%, leveraging digital innovation.
Business banking targets over 15% ROAE and a cost-to-income ratio below 39% by 2030, focusing on SME growth and digital leadership.
Large corporates and institutions target over 15% ROAE and a cost-to-income ratio below 37%, with growth in Sweden, Norway, and infrastructure financing.
Technology modernization is modular and customer-driven, with 60% of workloads to be on modernized platforms by 2030 and significant AI adoption across all business lines.
How will tech investments align with 2% cost growth?
What market share gains are expected from 6 growth areas?
How will >EUR 20bn distributions be balanced with M&A?
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Next Nordea Bank earnings date
Q4 202529 Jan, 2026
Next Nordea Bank earnings date
Q4 202529 Jan, 2026
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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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