Nordea Bank Abp · OMXHEX:NDA_FI
Nordea Bank Abp — Investor Day (2025)
11 slides from Nordea Bank Abp's investor day presentation, 2025
Slide 1: Scale – accelerated by technology, data and AI
Scale – accelerated by technology, data and AI Technology
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: Financial services are being revolutionised by technology
Strategic context Financial services are being revolutionised by technology Forces shaping the industry Our opportunity to lead Changing customer expectations Rich data foundation powering personalisation and AI at scale • Largest customer database in the Nordics Emerging competition • Unique advant
Slide 4: Leveraging Group-wide data, renewing technology, harnessing AI to outperform competition
Strategic direction Leveraging Group-wide data, renewing technology, harnessing AI to outperform competition 2020–25 2026–30 Developing digital interfaces and tech renewal Modernising technology to outperform competition opportunities in terms of experience and resilience • Market-leading digital fr
Slide 5: Strategic priorities: technology enabling competitive edge
Strategic priorities 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
Slide 6: Mortgages and corporate lending
Mortgages and corporate lending Swift and scalable lending processes: fast and transparent for customers; more robust credit decisioning Origination Credit risk assessment & decision Approval & loan fulfilment 2030 target state Automated, AI-assisted Instant, automated decision- AI-assisted digital
Slide 7: Savings and investments
Savings and investments Market-leading digital savings experience: best products and modern technology Market-leading digital experience 2030 target state Leading, easy digital experiences with truly personalised One digital Personalised Omnichannel, with Market-leading tailored recommendations plat
Slide 8: Payments
Payments Modernised payment platform: consolidated Nordic architecture with streamlined products and processes Fast Simple Always on Trusted 2030 target state Payments Shorter change lead time: 45% down to 4 weeks from 8 weeks Speed and reliability Fewer applications, Global payment Resilience and c
Slide 9: AI acceleration
AI acceleration Best-in-class personalised customer experiences and operational efficiencies with AI Current use of AI Our AI agenda Long term Long term Customer assistant Next Now Next 5.2 million chats; ~78% handled Now by Nova Chatbot1 Next-gen Value-creating AI-driven process Single & platform u
Slide 10: Modernised technology and data
Modernised technology and data Technology enabling competitive edge in customer experience, resilience and productivity Modernisation approach 2030 target state Applications • Simplify by consolidating and reducing functional Simpler technology estate overlap • Modernise by moving apps to modern tar
Slide 11: Scale – accelerated by technology, data and AI
Scale – accelerated by technology, data and AI 2030: streamlined and automated Nordic journeys 2030 targets with improved customer experience and cost position Gross annual cost take- out, driven by Nordic scale Develop personalised services and interactions for all segments, EUR 600m with lower cos