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.
- Nordea and its businesses are exposed to various risks and uncertainties.
- This information contain certain statements which are not historical facts, including, without limitation, statements communicating expectations regarding, among other things, the results of operations, the bank’s financial condition, liquidity, prospects, growth and strategies; and statements preceded by “believes”, “expects”, “anticipates”, “foresees” or similar expressions.
- Such statements are forward-looking statements that reflect management’s current views and best assumptions with respect to certain future events and potential financial performance. Although Nordea believes that the expectations reflected in such forward-looking statements are reasonable, no assurance can be given that such expectations will prove to have been correct. Accordingly, results could differ materially from those set out in the forward-looking statements as a result of various factors.
- Important factors that may cause such a difference for Nordea include but are not limited to: (i) the macroeconomic development, (ii) change in the competitive environment, (iii) change in the regulatory environment and other government actions and (iv) change in interest rate and foreign exchange rate levels.
- This presentation does not imply that Nordea and its directors have undertaken to publicly update or revise these forward-looking statements, beyond what is required by applicable law or applicable stock exchange regulations if and when circumstances arise that lead to changes compared with the date when these statements were provided.
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. In 2023 our earnings per share was EUR 1.37, a 25% increase from 2022.
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
* Source: IMD World Competitiveness Ranking 2023 (analyses and ranks countries according to how they manage their competencies to achieve long-term value creation)
** Source: IMD World Digital Competitiveness Ranking 2023
3. We generate profitable growth and high-quality earnings
We are the largest financial services group in Nordics, with low earnings volatility. Our pan-Nordic business model provides stable, consistent and high-quality earnings growth.
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 in 2023
1.4bn
13% year-on-year increase
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.
Sustainability in banking
Investments
Through sustainable investment products we invest our customers’ assets in companies. As an owner of these companies, we can influence decisions and have an impact.
Read more about sustainable investments
Financing
We provide loans to our personal and corporate customers. By advising on sustainable alternatives and including sustainability requirements, we can impact the transition to a sustainable society.
Read more about sustainable financing
Own operations
We improve the efficiency and sustainability of our own day-to-day operations. We also ensure a responsible supply chain to manage our indirect impact.
Read more about our own operationsOur 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.
Strong progress since 2019
Reducing the bad
Progress | Target |
|---|---|
-29% reduction in emissions in our lending portfolio | 2030: 40-50% |
-26% reduction in emissions in Life & Pension | 2024: at least 25% |
-38% reduction in emissions in our Asset & Wealth Mgmt | 2030: 50% |
-51% reduction in emissions from internal operations | 2025: 40% |
Increasing the good
Progress | Target |
|---|---|
EUR 135bn sustainable financing facilitation | 2025: >EUR 200bn |
40% of each gender representation at the top three leadership levels | 2025: 40% |
70% of exposure to large corporates in climate-vulnerable sectors covered by transition plans | 2025: 90% |
Double the net-zero-committed AuM - on track | by 2025 |
Want to know more about being a Nordea shareholder?
Contact Investor RelationsExplore more
Capital Markets Days
Here you can find the presentations and the webcast recording from Nordea's Capital Markets Day held in February 2022.
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Latest interim results
Nordea’s latest interim results, reports, presentations, webcasts and more.
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Latest annual report
Here you can see the highlights and key figures from the latest annual report.
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