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.
Priorities & financial target
Return on equity
>13%
Assumes a CET1 ratio requirement of 15–16%, including management buffer.
Supported by
Cost-to-income ratio
45–47%
Loan losses
Normalised
~10bp
Dividend policy
60–70% payout ratio. Excess capital distributed through buy-backs.
Capital policy
150–200bp management buffer above regulatory CET1 requirement.
Our key priorities
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 hereCREATE
the best omnichannel customer experience.
DRIVE
focused and profitable
growth.
INCREASE
operational and capital efficiency.
We will be a
digital leader
keeping
sustainability at the core
with the vision of being
the preferred partner for customers in need
of a broad range of financial services.
Explore more
Sustainability at Nordea
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.
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Sustainable Choice
How 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.
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Our sustainability targets
Our 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