Nordea Bank Abp · OMXHEX:NDA_FI
Nordea Bank Abp — Investor Day (November 2025)
18 slides from Nordea Bank Abp's investor day presentation, Nov 5, 2025
Slide 1: The best-performing financial services group in the Nordics
The best-performing financial services group in the Nordics Capital Markets Day 5 November 2025 1
Slide 2: Disclaimer
Disclaimer • Nordea and its businesses are exposed to various risks and uncertainties. • This presentation contains certain statements which are not historical facts, including, without limitation, statements communicating expectations regarding, among other things, the results of operations and the
Slide 3: Nordea today: leading market positions and Nordic diversification
Nordea today Leading market positions with Uniquely positioned in the Nordics comprehensive, pan-Nordic diversification Universal relationship service model • Full scope of products, capabilities and expertise Business areas Aggregated position • Each customer backed by the full strength of the Grou
Slide 4: Well-diversified business mix with high returns and low EPS volatility
Nordea today Well-diversified business mix with high returns and low EPS volatility Diversified across business areas Delivering ahead of peers H1 2025 2022 to Q2 20251 12% 15.3 11% High RoE 14.5 %, quarterly 12.9 20% Operating 39% 35% 22% Operating income profit 14 Low EPS volatility 40 %, quarterl
Slide 5: Nordic countries: resilient and entrepreneurial economies
Nordic countries Resilient and entrepreneurial economies; excellent financial services markets Structurally attractive Globally competitive Wealthy and low risk High productivity Highly digitalised Wealthy 7x Global profit-to-population 7th Global digital ranking2 €57k GDP per capita, EU: 2x EU: 24t
Slide 6: Delivering on our promises with strong execution
Nordea 2022–25 Delivering on our promises with strong execution Change since 20211 Household customer satisfaction2 All-time high +3 index points Leading digital Create experience with SME customer satisfaction2 All markets up the best omnichannel improved customer vs peers customer experience satis
Slide 7: Financial and supporting targets met and exceeded
Nordea 2022–25 Financial and supporting targets met and exceeded 2025financial 2025 financial andand supporting supporting targets targets 2021 2021 2025 2025 Return on equity >15% 11.2% 15.9% Cost-to-income ratio 44–46% 48.3% 45.6% Cost of risk normalised at ~10bp1 1bp 4bp CET1 ratio ~15%, 150bp mg
Slide 8: Higher returns and stronger capital generation
Strong shareholder returns Higher returns and stronger capital generation Focus on delivering market- Leading Nordic TSR1 Consistent, strong capital generation leading shareholder value +10% +292% >80% CAGR Total shareholder return since September 20192 +25% Annual total shareholder return since Sep
Slide 9: A new era – and a unique opportunity to lead
Strategic context A new era – and a unique opportunity to lead Forces shaping the industry Our opportunity to lead New economic reality Diversification provides resilience, trust drives customer engagement • Uncertain macroeconomic environment and geopolitical tensions reinforce the value of resilie
Slide 10: Deliver earnings per share of EUR ~2.0 in 2030
2030 ambition and financial targets Superior EPS growth and sustained high profitability 2030 financial targets Return on equity Cost-to-income ratio >15% 40–42% Throughout the period and Excluding regulatory fees significantly above in 2030 2030 ambition Deliver earnings per share of EUR ~2.0 in 20
Slide 11: Our vision and strategic priorities
Nordea 2026–30 Our vision and strategic priorities The best-performing financial services group in the Nordics Growth Offering Scale Grow faster than the Lead with a compelling Deliver scale benefits for market and sustain high customer offering and the superior competitiveness profitability best dig
Slide 12: Growth: Win Sweden and Grow Norway
Growth – six growth areas to deliver faster-than-market growth Strengthening position in markets with the greatest room to grow Attractive fundamentals Strong position for growth 1 Win Sweden Large core market with broad Accelerate growth in largest market growth potential • Capitalise on momentum t
Slide 13: Growth: Cross-sales and Life & Pension
Growth – six growth areas to deliver faster-than-market growth Deepening relationships Attractive fundamentals Strong position for growth 3 Cross-sales Broader and more sophisticated Position Nordea as the preferred retail savings partner needs • Deeper relationships and engagement with our broad ba
Slide 14: Growth: Private Banking and Small businesses
Growth – six growth areas to deliver faster-than-market growth Expanding in attractive segments Attractive fundamentals Strong position for growth 5 Private Growing wealth and demand for sophisticated advice Win market share across all markets Banking • Be the leading private bank in each market thr
Slide 15: Nordic scale: one of the things that makes Nordea unique
Scale Nordic scale: one of the things that makes Nordea unique Scale at the core of our competitiveness High upside ahead – well positioned The largest financial services group in the Nordics On course for business-driven transformation of key with scale across the region and in each business produc
Slide 16: Redesigning four key processes for streamlined end-to-end value streams
Scale Redesigning four key processes for streamlined end-to-end value streams Savings and Mortgages Corporate lending Payments investments To: Harmonised digital To: Automated, AI- To: Market-leading, easy To: Modernised global mortgage journey assisted credit process digital savings payment platfor
Slide 17: Technology enabling competitive edge in customer experience, resilience and productivity
Scale Technology enabling competitive edge in customer experience, resilience and productivity Nordic products AI acceleration & processes • Business processes transformed through AI to enable focus on expert tasks and high-impact human advisory service Streamlined, smart and “Nordic • AI elevating
Slide 18: Why own Nordea
2030 financial targets Why own Nordea Return on equity >15% The best-performing financial services throughout period and significantly above in 20301 group in the Nordics in 2030 Cost-to-income ratio2 40–42% Leading customer experience and faster-than- Supported by market income growth High credit q