Nordea Bank Abp · OMXHEX:NDA_FI
Nordea Bank Abp — Investor Day (2025)
14 slides from Nordea Bank Abp's investor day presentation, 2025
Slide 1: Sustainable superior performance: Financials
Sustainable superior performance Financials
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: Why own Nordea
Why own Nordea Superior EPS growth, market-leading profitability and unique Nordic scale From underperformer to global leader1 Superior EPS growth, driven by positive jaws Broad-based income streams World’s largest banks by RoE, % 2% 9% 1.5 CAGR 3.5 2019 3.0 30 +31% 2.5 1.0 Share of 20 2.0 27% opera
Slide 4: Coming from position of strength, with all targets met today
Nordea today Coming from position of strength, with all targets met Delivering on our 2022–25 strategy Focused and profitable growth Return on equity (%) RoE RoE1(%) 2 (%) • Market share growth in lending 1.3 15.9 2025 and deposits 3.4 0.0 target >15% Peer 1 • Strong net interest income growth 11.2
Slide 5: Economic strength, stable macro underpinning 2030 plan
Key planning assumptions1 Economic strength, stable macro underpinning 2030 plan Real GDP growth (%) Interest rates (3-month, %) Key assumptions 3 5 Nordic lending market growth 4 ~3% CAGR 2025–30 2 3 1 2 Equity market return 1 +7% CAGR 2025–30 0 0 2025 2026 2027 2028 2029 2030 2025 2026 2027 2028 2
Slide 6: 2030 financial targets
2030 financial targets Superior EPS growth and market-leading profitability, driven by positive jaws 2030 financial targets Supported by Return on equity High credit quality >15% Loan losses ~10bp Capital excellence and EUR >20bn Throughout the period and significantly above in 20301 in total shareh
Slide 7: Building blocks for 2030 performance
Nordea 2026–30 Building blocks for 2030 performance RoE >15% Market momentum 2025–30 • Growth at current market share, with income growing slightly faster than costs, resulting in positive jaws EPS (EUR) EUR ~2.0 Growth areas • Additional growth in targeted areas with low marginal cost-to-income rat
Slide 8: Six growth areas driving above-market income growth
Nordea 2026–30 Six growth areas driving above-market income growth 1 Win Sweden • Accelerate growth in largest market Accelerating growth and delivering Nordic scale benefits • Capitalise on momentum with high market shares across businesses Income • Expand growth effort to include LC&I and underpen
Slide 9: Structural cost efficiencies, driven by Nordic scale
Nordea 2026–30 >10% gross cost reduction Structural cost efficiencies, driven by Nordic scale from Nordic scale Cost growth below inflation, driven by structural improvements Redesigning four key processes for streamlined end-to-end value CAGR streams ~2% • Automated, AI-enabled new mortgage Nordic
Slide 10: Better operating efficiency
Nordea 2026–30 Better operating efficiency Drive focused profitable growth Positive jaws with faster-than-market income growth improving C/I ratio1 • Market-driven income growth CAGR Income CAGR ~45%1 ~3% 2025–30 (market + growth areas) >3% • In addition, faster-than-market income growth through tar
Slide 11: Cost of risk
Cost of risk Net loan losses and similar net result ~10bp or lower Excluding management Loan losses from portfolio ~10bp Loan loss ratio (bp) judgement provision release (~10bp) or lower, as expected1 • Purely Nordic low risk portfolio with more than half of exposure to households 8 9 • Corporate po
Slide 12: Continued capital excellence – generate, deploy, distribute
Capital Strong capital generation deployed Continued capital excellence – generate, deploy, distribute for growth and shareholder returns • Total distribution (dividend and buy- Stable CET1 requirements, with capital policy maintained at ~15.5% backs) above EUR 20bn1 2026–30 CET1 ratio development,
Slide 13: Optimising capital allocation
Nordea 2026–30 Optimising capital allocation Continuously adjust capital Other allocation to capture highest- yielding opportunities Personal Banking Strong contribution across businesses, with profitable income growth in all segments Business Banking Robust performance management PE&II and specific
Slide 14: 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% Superior EPS growth and sustained leading Supported by profitability High credit quality Loa