Latest annual report



2022 key figures

Total operating income*

0 bn

Return on equity*


Operating profit*

0 bn

Loan loss ratio*

0 bp

CET 1 ratio


Dividend per share


*Excluding items affecting comparability: For more information, refer to the Annual Report 2022 page 40.

Our financial target and key priorities

Our target for 2025:

ROE >13%

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

Our vision is to be the preferred partner for customers in need of a broad range of financial services. We have also identified two
levers as being crucial to our strategic plan: being a digital leader and integrating sustainability into the core of our business.

Frank Vang-Jensen, President & CEO

Our key priorities


the best omnichannel customer experience


focused and profitable growth


operational and capital efficiency

Our stakeholders

At Nordea, our customers, employees, investors and societies shape the way that we do banking – for a greater good. Together we can create value and contribute to a more inclusive, green and resilient world. All based on strong relationships.


Nordea’s vision is to be the preferred partner for customers in need of a broad range of financial services.


Our aim is to be a preferred employer in the financial industry in our operating countries.


We have over 565,000 private individuals, pension funds and other investors as shareholders.


We play an important role in the Nordic region, providing financial services that enable societies to grow.


Mobile bank based on customer and analyst ratings in the Nordics


People Pulse average index score for employees who recommend Nordea


Total shareholder return in the last 4 years


employees volunteered in Nordeas refugee programme 2022.


Our four business areas

Each of our business areas meets the needs of well-defined customer segments – from private households to very large corporates – with relevant and up-to-date advisory services, products and solutions.

Personal Banking

“We provide proactive and holistic advice to help customers in turbulent times.”

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Business Banking

“We want to become the preferred bank for SMEs with a broad range of financial needs."

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Large Corporates & Institutions

"We deliver strong results and support to our clients when it really matters.”

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Asset & Wealth Management

”Our stability and trusted advice are a key advantage in turbulent times.”

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Sustainability at the core

We are actively engaging to drive transition and capture growth opportunities.

Financial strength

Understanding and managing environmental, social and governance risks is crucial to maintaining our financial strength.

Climate action

To become a net-zero emissions bank by 2050 at the latest, we are engaging with and supporting our customers and portfolio companies in reducing their climate impact, while reducing our own.

Social responsibility

By considering human and labour rights throughout our value chain and promoting gender equality, employment and education, we aim to create social impact where it matters the most.

Governance and culture

Strong governance and a healthy corporate culture lead to successful execution of our strategic sustainability agenda for a greater good.


reduction in financed emissions from business loans, motor vehicle loans and residential real estate between 2019 and 2022.

The Annual Report 2022 is available as a PDF download. If you would like to order a printed copy of our 2022 Annual Report, please leave you address details by email.