Nordea’s third-quarter results 2026
Nordea performed well again this quarter and progressed in our strategy implementation. We grew total income year on year with high lending and deposit activity in both corporate and household segments.
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Latest reports (Q3/2026)
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Watch the investor webcast held on 15 October at 11.00 EET (10.00 CET)
Frank Vang-Jensen, President and Group CEO, presented the results followed by a Q&A audio session for investors and analysts with Frank Vang-Jensen, Ian Smith, Group CFO, and Ilkka Ottoila, Head of Investor Relations.
Watch the webcastNordea performed well again this quarter. We grew total income year on year, further expanded our customer base, deepened existing relationships and delivered strong growth in savings and investments in a seasonally slower quarter.
Q3 2026
Solid performance amid seasonally more subdued activity levels
Return on equity1 15.1% and earnings per share EUR 0.35, broadly stable y/y
Continued strong lending and deposit growth; assets under management at record EUR 509bn
Corporate lending up 8% y/y, corporate deposits up 7%. Mortgage lending up 2% y/y, retail deposits up 4%. AuM up 13% y/y
Total income up 2% y/y
Net interest income up 1% y/y and q/q, net fee and commission income up 9% y/y and net fair value result down 19% y/y
Strong cost performance with continued investment in strategic initiatives to drive efficiency and productivity gains
Total expenses2 flat y/y excluding FX effects
Strong credit quality
Net loan losses and similar net result EUR 74m (7bp) – well within long term expectation of around 10bp
Continued strong capital generation supporting growth
CET1 ratio3 15.8% – 1.9pp above current regulatory requirement
Strong capital position and capital generation supporting strategic priority to deploy capital for profitable growth
2026 outlook : return on equity greater than 15% and cost-to-income ratio2 of 44–45%
1. With amortised regulatory fees
2. Excluding regulatory fees
3. CET1 ratio includes interim profit, net of a dividend deduction of 70% (the upper range under Nordea’s dividend policy), subject to ECB approval. Further details on capital ratios are presented in the interim report’s capital section.