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Nordea Bank (NDA-SE) investor relations material
Nordea Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary16 Oct, 2025
Executive summary
Return on equity reached 15.8% in Q3 2025, with earnings per share of EUR 0.36, reflecting strong profitability and resilience amid muted markets and ongoing geopolitical tensions.
Lending and deposit growth accelerated, with mortgage and corporate lending both up 6% year-over-year; retail deposits up 8%, corporate deposits up 9%, and assets under management up 11%.
Total income declined 3% year-over-year, with net interest income down 6% and net fee and commission income up 5%.
Credit quality remained robust, with net loan losses showing a reversal of EUR 19m and further release from management judgement buffers.
CET1 ratio at 15.9%, 2.3 percentage points above regulatory requirement; new EUR 250m share buy-back programme announced.
Financial highlights
Net interest income was EUR 1,775m, down 6% year-over-year due to lower policy rates and margin compression; net interest margin at 1.59%.
Net fee and commission income rose 5% year-over-year to EUR 811m, driven by asset management and higher customer activity.
Net insurance result up 10% year-over-year; net fair value result down 14% from a high base.
Operating profit was EUR 1.6bn, 2% lower year-on-year, with stable costs and continued strategic investments.
Cost-to-income ratio at 46.1% (with amortised resolution fees); operating expenses stable at EUR 1.33bn.
Outlook and guidance
2025 outlook unchanged, with a target return on equity above 15% for the full year.
Cost-to-income ratio expected at 44-46% for 2025; target of 46% remains within reach.
Loan losses expected to normalize at 10bp annually; management buffer targeted at 150bp above regulatory CET1 requirement.
Dividend payout ratio of 60-70%, with excess capital distributed via buy-backs.
CET1 impact of Norwegian systemic risk buffer?
What drove management judgement buffer release?
Impact of EU-US trade deal on ECL scenarios?
Explain management buffer retention strategy
Danish business improvement progress
NII trough timing and deposit hedge impact
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Next Nordea Bank earnings date
CMD 20255 Nov, 2025
Next Nordea Bank earnings date
CMD 20255 Nov, 2025
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Frequently asked questions
Heavy-Hitting Nordic Bank
Nordea Bank is a leading financial institution in the Nordic region. Founded in the year 2000 as the result of a merger of several prominent Nordic banks, Nordea has grown to become a notable player in the European banking landscape. Nordea’s operations span across a wide range of financial services, from retail banking and wealth management to corporate and investment banking. Nordea has grown to become an important player in Europe in general, and the Nordics in particular. The company is headquartered in Finland and trades on the stock exchanges in Copenhagen, Helsinki, and Stockholm.
The Result of A Merger
Nordea came to be as the result of several This consolidation process started with two Swedish banks, Nordbanken and Sundbanken, in 1990. The banking group expanded when it merged with Finland's Merita Bank in 1997, and later with Denmark's Unidanmark and Norway's Christiania Bank. These strategic consolidations led to the creation of a significant banking institution with a pan-Nordic presence, taking the name Nordea, which stands for "Nordic Ideas".
All-encompassing Banking Services
Nordea’s suite of financial services is broad and extensive, aimed at fulfilling the financial needs of a wide range of customers, from individual consumers to large corporations. For everyday banking, Nordea offers checking and savings accounts, loans, credit cards, and a robust online banking platform. Additionally, Nordea's wealth management services provide customers with financial planning and investment services, as well as insurance products.
For corporate clients, Nordea offers services that go beyond traditional banking. These include cash management, trade finance, and treasury services. Nordea also has a strong presence in investment banking, providing services such as capital markets operations, mergers and acquisitions advisory, and equity and debt financing.
An Important Pillar of Nordic Banking
The formation of Nordea has had a substantial impact on the Nordic region as a whole. By bringing together the resources and capabilities of leading banks in Sweden, Denmark, Finland, and Norway, Nordea has strengthened the regional financial infrastructure and created a seamless banking experience across national borders. Its broad range of services has been vital in supporting both individuals and businesses in the region. Some other important banks in the Nordics include names like Danske Bank, Skandinaviska Enskilda Banken, and DNB.
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