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Nordea Bank (NDA-SE) investor relations material
Nordea Bank Pre-Close Call summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Pre-Close Call summary30 Sep, 2025
Trading performance and revenue trends
Nordic policy rates decreased by 25 basis points in Q3, with the largest drop in Norway; this is similar to Q2 trends.
Net interest income (NII) is expected to be lower in Q3 but remains resilient compared to peers; Q2 NII was EUR 1.798 billion, with a EUR 10 million one-off benefit.
Lending margins, especially in the corporate segment, remain under pressure; deposit hedge contribution expected to be similar to Q2 at around EUR 20 million.
FX movements, particularly SEK and NOK depreciation, present a headwind for euro-denominated income in Q3.
Additional Tier 1 (AT1) issuances and FX effects together create a EUR 20 million headwind, offsetting the positive impact of an extra interest day in Q3.
Profitability and margins
Net fee and commission income in Q2 was EUR 792 million; Q3 is expected to be seasonally lower due to market quietness and absence of semi-annual fees.
Brokerage and advisory fees typically decline by EUR 15-30 million in Q3 versus Q2, with M&A and ECM activity down 40% and 50% respectively.
Net insurance result in Q2 was EUR 58 million, up from EUR 54 million in Q1; net fair value expected to remain within EUR 200-250 million per quarter.
Full-year cost growth is expected to be no more than 2%-2.5% (excluding FX), with Q3 run rate EUR 20-25 million higher than Q2.
Cost-income ratio target for 2025 remains at 44%-46%, with cost growth expected to slow in 2026-2027.
Balance sheet and liquidity position
CET1 ratio stood at 15.6% at the end of Q2, with requirements at 13.7%.
Finnish FSA reciprocation of the Norwegian systemic risk buffer will increase capital requirements by 20 basis points from Q4.
Dividend policy remains at 60%-70% payout of annual profits, with a stable to growing dividend per share ambition.
Interim dividend model: European vs. local?
Cost growth beyond 2025: What is the norm?
Why are net fair value estimates misaligned?
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Next Nordea Bank earnings date
Q3 202516 Oct, 2025
Next Nordea Bank earnings date
Q3 202516 Oct, 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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