Organisation

Customer areas

The Group's business organisation includes three customer areas:

• Nordic Banking
• Private Banking
• Institutional & International Banking

Each customer area assumes the overall responsibility for the business relation with a customer or a customer group.

Product areas

The Group’s business organisation includes two product areas:

Banking Products

• Account Products
• Transaction & Finance Products

Capital Markets & Savings

• Capital Markets Products
• Savings Products & Asset Management
• Life & Pensions

The five Product Divisions in Banking Products and Capital Markets & Savings are responsible for the product and service delivery processes.

Vital service and group functions

• Group Operations
• Group Corporate Centre
• Group Risk Management
• Group Legal