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2025 key figures

Total operating income

€11.7bn

Return on equity

15.5%

Operating profit

€6.3bn

Loan loss ratio

1 bp

CET1 ratio

15.7%

Dividend per share

€0.96

Our financial targets and strategic priorities

A return on equity greater than

15%

throughout the period and significantly higher in 2030.

A cost-to-income ratio of

40-42%

in 2030, excluding regulatory fees.

Our strategic priorities

Growth

Grow faster than the market while sustaining high profitability.

Offering

Lead with a compelling customer offering and the best digital experience

Scale

Deliver Nordic scale benefits for superior competitiveness and efficiency.

                                           Accelerated by technology, data and AI

Supported by: high-performance culture, capital excellence, sustainability at the core

Our stakeholders

As the leading financial services group in the Nordics, we are well placed to support financial stability and foster economic growth across the region. Doing this successfully requires us to maintain strong and trusted relationships with all our stakeholders.

Customers

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

Employees

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

Investors

We have over 590,000 private individuals and numerous pension funds and other investors as shareholders.

Society

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

#1

mobile bank based on customer and analyst ratings in the Nordics

89

average score for diversity and inclusion, out of 100

EUR 15.2bn

dividends paid since autumn 2019

~1,500

employee volunteers in 2025

 

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

"Our focus is growth – built on great digital experiences, trusted advice and relationships that last.”

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Business Banking

“Our leading digital capabilities, deep expertise and Nordic footprint uniquely position us to support SMEs as they drive innovation and growth.”

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Large Corporates & Institutions

“Our customers have navigated these challenging times with resilience. We are fully committed to supporting them also in their future endeavours.”

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Asset & Wealth Management

“We aim for strong growth in the years ahead. Operating at Nordic scale means we can serve the region’s growing savings needs better than anyone else.”

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Sustainability at the core

We prioritise the themes that matter most for our employees, customers and the Nordic societies

Environmental

Social and governance

Climate & energy

We support our customers’ transitions and partner with the broader community to enable development for a climate-resilient economy

Nature

We leverage our scale and size to build financial expertise on nature-related risks and impacts and engage on finance supporting the protection of nature

Financial well- being

We encourage sound financial practices and help create financial well-being by fostering inclusion, literacy and confidence

Inclusive & safe societies

We promote financial stability and respect human rights while committing to continuous progress

Preferred Nordic transition partner

Financial expert on nature-related risks and opportunities

Personal, accessible and inclusive adviser

Responsible financial services provider supporting human rights

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