The best-performing financial services group in the Nordics
Our vision is to be the best-performing financial services group in the Nordics – accelerating through our scale, people and technology.
Our purpose and valuesOur strategy
Our key priorities
Our strategy for the period 2026-2030 is about building on our strengths and making us even stronger – for our customers, employees and shareholders. These are our priorities.
Growth
Grow faster than the market and sustain high profitability
- Strengthening our position in markets with the greatest room to grow, with a priority on winning Sweden and growing Norway.
- Deepening relationships, focusing on cross-sales and reinforcing the winning momentum with Life & Pension.
- Expanding in attractive segments – by growing the demand for sophisticated advice and wealth within Private Banking, and by expanding in the dynamic and increasingly digital small businesses segment.
Offering
Lead with a compelling customer offering and the best digital experience
- Using our universal relationship service model to offer a full scope of products, capabilities and expertise.
- Using our award-winning digital services in combination with our data, insights and advanced analytics to drive growth.
- Using our local presence, trusted advice and competence in every market to deepen customer relationships.
Scale
Deliver scale benefits for superior competitiveness and efficiency
- Modernising our technology estate for faster delivery, stronger security and greater flexibility. Using our unique Nordic scale and technology, data and AI to deliver services to our customers faster, better and at lower cost.
- Powering personalisation and AI at scale with our rich data foundation, using our unique advantage for insights.
- Sharing product platforms and standardised processes for speed and innovation, making processes in key product areas more automated and efficient.
The next chapter will be about using our scale and technology to create even more value for our customers, shareholders and the Nordic region.
Taking Nordea to the next level
Here you can read about the direction we have set, our ambition, and the priorities guiding us.
Want to learn more about our way forward?
Here you can read about what we mean when we say:
At Nordea, everyone contributes. High performance is deeply rooted in our purpose and values and is everyone’s responsibility. Each colleague plays a part in moving Nordea forward.
Throughout the organisation, we have clear targets and priorities backed by effective performance tracking and follow-up. We strive to communicate clearly and proactively, ensuring everyone understands our direction and progress, what is expected of them, and how to deliver.
We have a philosophy of continuous improvement, where we strive to do a bit better every day. Our culture is characterised by collaboration across teams and markets, trust, and ownership at every level. We share ideas, learn fast and achieve more when we work together – in keeping with the spirit of our Nordic scale. Execution and innovation speed is prioritised by developing critical capabilities, embracing new technology and acting decisively.
We will continue to deliver capital excellence. The Group’s capital position has been among the strongest in Europe for several years, supported by stronger financial performance, solid capital generation and disciplined capital management.
We expect to maintain robust capital generation, which will enable business growth, potential bolt-on acquisitions, and continued significant shareholder distributions, including through semi-annual dividends. With more than 600,000 private shareholders across the Nordic region, we are proud to contribute to regional prosperity through our distributions.
We remain strongly committed to supporting our customers with their sustainability transitions.
We have strengthened our work in this area and have fully embedded sustainability into our business – in customer offerings, processes and operations. We have delivered well on our near-term sustainability targets and remain focused on delivering on our medium- and long-term commitments.
Our financial targets
A return on equity of greater than
15%
throughout the period and significantly higher in 2030.
A cost-to-income ratio of
40–42%
in 2030, excluding regulatory fees.
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Our investment case
We are the leading financial services group in the Nordics with a 200-year history of supporting and growing the Nordic economies. Nordea is listed at the stock exchanges in Helsinki, Stockholm and Copenhagen and we have around 590,000 private shareholders.
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Who we are
We help our customers realise their dreams and aspirations – and have done so for 200 years. We want to make a real difference for our customers and the communities in which we operate by being a strong and personal financial partner.
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Our markets
We're a leading bank in each of our four Nordic home markets. With our strength and scale, we are well equipped to navigate the many global megatrends impacting our business.
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