Latest annual report



Our key figures 2021

Total operating income

0 bn

Return on equity


Operating profit

0 bn

Loan loss ratio

0 bp

Common Equity Tier 1 capital ratio


Dividend per share



Our target for 2025


Return on equity

> 13%

Assumes CET1 ratio requirement of 15–16%, including management buffer

Our key priorities


the best omnichannel customer experience


focused and  profitable growth


operational and capital efficiency

Sustainable banking

Our sustainability achievements in 2021

Growth in ESG investment products

+ 0%

y/y EUR 195bn

Growth in green asset portfolio

+ 0%

y/y EUR 6.8bn

Growth in green corporate loans

+ 0%

 y/y EUR 5.2bn

Our four business areas

Personal Banking

“We want to become the leading relationship bank in the Nordics.”

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Business Banking

“We want to become the preferred bank for SMEs in the Nordics.”

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Large Corporates & Institutions

"We will build on the business momentum in 2022.”

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Asset & Wealth Management

“We are in a champions league in sustainable investments.”

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The Annual Report 2021 is available as a PDF download. If you would like to order a printed copy of our 2021 Annual Report, please leave you address details by email.