Our investment case

We are the largest bank 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 570,000 private shareholders.

Below you can find some of the key reasons why you should consider being one of them.

1. We generate market-leading shareholder returns

 

We have paid out 8.7 billion euros in dividends over the past four years – and were one of the first banks in Europe to start implementing share buy-backs in 2021.

Over

0bn

paid out in dividends over the past 4 years

 

2. We operate in a structurally attractive Nordic banking environment

 

Our operating environment:

  • Nordic GDP growth is steady and above euro area average

  • Nordic unemployment rates are lower than euro area average, with significant social safety nets

  • Nordic countries are highly digitalised in global context​

  • Nordic banking market is stable, safe and profitable with high returns, driven by cost efficiency and low loan losses

GDP growth rate

Unemployment rate

 

Nordic societies rank global top ten in:

Social safety nets

  1. Denmark
  2. Finland
  3. Norway
  4. Austria
  5. Luxembourg
  6. Switzerland
  7. Netherlands
  8. Spain
  9. Sweden
  10. France

Source: WEF Global Competitiveness Report special edition 2020

Digital transformation readiness

  1. Denmark
  2. Korea Rep.
  3. USA
  4. Sweden
  5. Netherlands
  6. Finland
  7. Switzerland
  8. Taiwan
  9. Norway
  10. Singapore

Source: IMD digital competitiveness ranking 2022

Sustainable development goals index

  1. Finland
  2. Denmark
  3. Sweden
  4. Norway
  5. Austria
  6. Germany
  7. France
  8. Switzerland
  9. Ireland
  10. Estonia

Source: WEF Sustainable Development Report 2022

 

3. We are the largest financial services group in Nordics with low earnings volatility and unique growth opportunities within our four business areas

 

"Our quarterly operating profit volatility has decreased significantly – after already being historically low compared with the European banking sector average."

 

Frank Vang-Jensen, Nordea's Group President & CEO

Our position in the Nordics:

#1 Personal Banking

#1 Business Banking

#1-2 Large Corporates & Institutions

#1 Asset & Wealth Management

Primary levers to drive profitability improvements

  • Accelerate savings growth

  • Allocate more capital to profitable lending growth

  • Increase operational efficiency

  • Reduce low-yielding economic capital

 

Our growth in recent years:

Net interest income

+0%

2023 vs 2022

Operating profit

+0%

2023 vs 2022

Group income

+0%

2023 vs 2022

 

4. We are a globally leading digital bank supporting great customer experiences

 

Our future as a digital leader is all about customer experience. We use our knowledge and the latest technological developments to continually expand our range of digital products and services for the benefit of our customers.

We continue to expand our self-service features, making it easier for customers to manage their finances in real time. Our target is to have doubled the number of available digital products and services by 2025 compared with 2022.

 

Nordea is a recognised digital leader

Best performer

  • Best in 6 categories in round one of 2023 World’s Best Digital Bank Awards (Global Finance)
  • No.1 in FI Digital leader assessment 2023 (BearingPoint)
  • Best Digital Performer’ among retail banks in Europe Q1 '23 (D-Rating)

#1 mobile bank in the Nordics

According to AppStore ratings.

 

Growth in digital engagement

Logins to digital channels (millions)

5. Sustainability is at the core of our strategy

 

We have made sustainability an integrated part of our business strategy, introduced measurable medium and long-term objectives and set 2023–2025 targets to help drive a greener and more sustainable future.

Frank Vang-Jensen, President & CEO

 

Our sustainability objectives:

Net-zero

emissions by 2050 at latest

40–50%

reduction in emissions across investment and lending portfolios by 2030.

50%

reduction in emissions from internal operations by 2030.

 
 
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