
Our financial target
This is our financial target for 2025. It was presented together with our fourth-quarter and full year result. Read more about our sustainability targets here.
This is our financial target for 2025. It was presented together with our fourth-quarter and full year result. Read more about our sustainability targets here.
>13%
Assumes a CET1 ratio requirement of 15–16%, including management buffer.
45–47%
~10bp
60–70% payout ratio. Excess capital distributed through buy-backs.
150–200bp management buffer above regulatory CET1 requirement.
We'll deliver great omnichannel customer experiences, both digitally and in person, with a firm focus on expert advice and customer support. Investments will focus on organic growth and on the bank’s key capabilities in areas such as digitalisation, data and sales and service capabilities. We'll continue to optimise its business portfolio and manage its capital base efficiently to pursue capital excellence.
See our new business plans herethe best omnichannel customer experience.
focused and profitable
growth.
operational and capital efficiency.
We will be a
keeping
with the vision of being
It is about making a difference together with our customers by enabling them to make sustainable choices, contributing to society’s goals through climate action and social impact.
Read moreHow you invest, how you save and how you borrow for your company: we offer offer all of these solutions with a sustainable focus, enabling you to make the right choice for the future.
Read moreOur work with the UN Sustainable Development Goals. Our long-term goal is to become a net-zero bank by 2050, this is supported by mid- and short-term goals you can read about here.
Read more