Frequently Asked Questions
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The Nordea Group
Nordea business operations
The Nordea share
Financial information
Annual General Meeting
Dividend
Ratings
Contact information
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The Nordea Group
1. When was the Nordea Group established?
- The Nordea Group was established in 2000 but derives its origin from banks and insurance companies from the Nordic region as far back as the early 19th century. The first cross-border merger took place in 1997, when the Finnish Merita Bank and the Swedish Nordbanken formed MeritaNordbanken. The merger of MeritaNordbanken and Danish Unidanmark in 2000 was followed by the acquisition of the Norwegian bank Christiania Bank og Kreditkasse to create the largest financial institution in the Nordic area. During 2001 Nordea has acquired Swedish Postgirot Bank. Since 3 December 2001 the entire Group is operating under the Nordea brand.
2. What is the size of Nordea?
- In terms of market capitalisation Nordea qualifies within the 10 largest European financial institutions.
Nordea is the largest financial services group in the Nordic and Baltic Sea region and one of the five largest listed Nordic companies. Further information can be found here
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Nordea business operations
1. How many customers does Nordea have?
- The Nordea Group has approx. 10 million customers in the Nordic region and new European markets.
2. How many e-banking customers does Nordea have?
- The Nordea Group is a world leader in e-banking, with almost 5.9 million e-customers.
3. How many employees does Nordea have?
- The Nordea Group has about 33,300 full time equivalents.
4. What distribution capacity has Nordea in terms of branches?
- Nordea has approx 1,400 bank branches throughout Denmark, Finland, Norway, Sweden, Poland and the Baltic countries.
5. How is Nordea organised?
- Nordea operates through two customer areas (Nordic Banking and Institutional & International Banking) and three product areas (Capital Markets Products, Savings Products & Asset Management, Life & Pensions).
6. What is the income split between net interest income and non-interest income?
- In 2009 the income was split by approximately 59% (62% in 2008) in net interest income and 41% (38%) in non-interest income.
7. Where is Nordea's home market?
- The Nordic countries (Denmark, Finland, Norway and Sweden) are Nordea's home market.
8. Where is Nordea's emerging market?
- The Baltic Sea region (Estonia, Latvia, Lithuania) including Poland and Russia is Nordea's emerging home market.
9. What proportion of Nordea's loan portfolio is lending to the Nordic countries?
- At the end of 2008 the lending to the Nordic countries accounted for almost 87% of the total loan portfolio.
10. Does Nordea operate on an international basis?
- The Group has a network of international branches and representative offices to support Nordea's Nordic and international customers.
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The Nordea share
1. What was the total shareholder return in 2008?
- Total shareholder return (TSR) is realised through market value growth per share and reinvested dividends. Total shareholder return in 2009 was 78.6% (-46.9% in 2008). Nordea ranked number seven among the European peer group banks in terms of TSR in 2009 (number two in 2008 and number three in 2007 and 2006). The average TSR in peer group was 55.4%.
2. On what stock exchanges is the Nordea share listed?
- The Nordea share is listed on the NASDAQ OMX Nordic, the exchanges in Copenhagen, Helsinki and Stockholm.
3. In what currencies can the Nordea share be traded?
- The Nordea share can be traded in DKK in Copenhagen, EUR in Helsinki and SEK in Stockholm.
4. What is the Reuters and Bloomberg stock symbol for the Nordea share?
- The Reuters securities code (RIC) for the Nordea share in Stockholm is NDA.ST and the Bloomberg sign is NDA.SS. Further information can be found here
5. What types of share have Nordea issued?
- Nordea has ordinary registered shares outstanding.
6. Where do I get information about the development of the Nordea share price?
- At the Nordea website an interactive online share price information system (prices 15 minutes delayed) with several charting tools is available. Please click here
Also available is a historical Price Lookup where you can search historical closing quotes for the Nordea share in Copenhagen (CSE), Helsinki (HEX) or Stockholm (SX). Please click here
7. When was the last major capital increase? And by what number of shares?
- In relation to the rights issue finalised in beginning of May 2009 the number of shares increased with 1 430 059 524. Further information can be found here
8. What does the shareholder structure of Nordea look like?
- Swedish institutional holdings are the largest category followed by International holdings (outside the Nordic countries). Further information can be found here
9. Who are the largest shareholders of Nordea?
- The five largest shareholders in Nordea:
1) Swedish State
2) Sampo Oyj
3) Nordea Danmark Fund
4) Swedbank Robur Funds
5) SHB/SPP Funds
Further information can be found here
10. How many shares does Nordea have outstanding presently?
11. How many shareholders does Nordea have?
- Nordea has approximately 481,000 shareholders. Further information can be found here
12. What is the free float of Nordea shares?
- The free float in Nordea is slightly above 80%. The Swedish state owns 19.9% of the shares.
13. What is the trading volume of the Nordea share?
- The Nordea share was the most liquid Nordic financial share in 2009, with an average daily trading volume of approximately EUR 90m, corresponding to 17 million shares. This is an increase compared to 2008 (13 million shares). Thurnover on the three stock exchanges combined totalled EUR 23bn in 2009, which corresponds to more than 4 billion shares. Of the total number of Nordea shares traded in 2009, approximately 79% was traded on the Stockholm Stock Exchange, 12% on the Hensinki Stockholm Exchange and 9% on the Copenhagen Stock Exchange. A trading lot is equivalent to 200 shares in Stockholm and Copenhagen and 1 share in Helsinki.
14. Does Nordea have outstanding convertible bonds?
- No.
15. How can I acquire Nordea shares?
- Please contact your broker or bank for ways to acquire Nordea shares. Through Nordea's e-banking operations, it is possible to buy and sell shares over the Internet or over the phone.
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Financial information
1. When will Nordea release its next quarterly results?
Information and dates can be found here.
2. Where can I find historical financial information on Nordea?
- All annual reports and other financial reports and presentations are available on this web page in the IR archive. Further information
3. How do I get a copy of the Annual Report?
- The annual reports of Nordea from 1998 to date can be downloaded in pdf format on this page. The annual reports as from 2002 can be downloaded as interactive versions as well. A paper copy can be ordered electronically here .
4. How do I get a copy of the interim reports?
- Nordea does not print the interim reports but they are available for downloading at the IR archive of financial reports. Further information
5. How do I get the press releases from Nordea?
- All Nordea press releases are available at this web page in the Press room. It is also possible to subscribe to press releases. Further information
6. What is Nordea's official accounting currency?
- In the reports of the Nordea Group income statements and other financial data are quoted in euro.
7. What is Nordea's financial year?
- Nordea's financial year is the calendar year (January-December)
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Annual General Meeting
1. When and where will the next Annual General Meeting (AGM) take place?
2. How can I register for the AGM?
- All details of the registration procedure will be published 4-6 weeks prior to the AGM in the formal notice of the AGM. The notice will be published in newspapers in Sweden, Denmark and Finland and on the Internet. Registration can be made by telephone, post, fax and on the Internet as from the day of the publication of the notice.
Further information
3. How do I exercise my voting rights in case I am not present at the AGM?
- The shareholder may appoint a representative by proxy to exercise the shareholder's voting rights at the AGM. The representative has to present a power of attorney in original, at the latest at the AGM. The power of attorney may not be issued earlier than one year before the AGM.
4. When and where was the latest AGM?
- The latest AGM was held on 2 April 2009 at Cirkus, Djurgårdsslätten.
5. What was the percentage of share capital represented at the latest AGM?
- In total 56,5% of the total share capital was represented at the latest AGM.
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Dividend
1. What is the dividend policy of Nordea?
- Nordea pursues a policy of high dividends. The total dividend payment will normally exceed 40% of the net profit for the year. Nordea will ensure competitive and predictable dividends.
2. What is the proposed dividend for 2009?
- As part of the capital strengthening measures the proposed dividend for 2009 is reduced to EUR 0.25 per share or 43% of net profit.
3. What was the dividend for 2008?
- The dividend for 2008 was EUR 0.20 per share.
4. What was the dividend yield 2008?
- The dividend yield calculated at starting price on payment day for 2008 was 4.0%.
5. What is the payment date for dividend 2009?
- The record date for the dividend is 30 March 2010 and dividend payments are proposed to be made on 8 April 2010. The ex-dividend date is 26 March 2010.
6. In what currency is the dividend paid?
- The currency for payment of dividend depends on the country of registration of the shares. In Sweden, shareholders can choose between a dividend in SEK or in EUR provided that the shareholder has a EUR account with their custody bank. An official exchange rate is published. In Denmark dividend is paid in EUR. If the shareholder doesn’t have a EUR account the dividend is converted into local currency. Each custody institute decides their own conversion rate. In Finland the dividend is paid in EUR.
7. How do I get the dividend payment?
- It is automatically transferred to your account related to your share account.
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Ratings
1. What are Nordea's current debt ratings?
2. What does Nordea's rating history look like?
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Contact information
1. Who can I contact regarding issues relating to the Nordea share?
2. Who can I contact regarding media-related issues about Nordea?