Banking sector: approx. 60%
Asset management: approx. 25%
Insurance: approx. 15%

TOP 3 Markets:
Finland: approx. 35%
Sweden: approx. 30%
Denmark: approx. 20%

Nordea Bank Abp generates the majority of its revenue from traditional banking, which accounts for about 60% of total revenue. This includes services such as loans, deposits, and payment transactions.

Another significant area is asset management, contributing about 25% of the revenue. Here, Nordea offers a variety of investment products and services appealing to both institutional and private clients.

The insurance sector contributes around 15% to the revenue and includes various insurance products that Nordea offers to its customers.

Geographically, Finland is the largest market for Nordea, followed by Sweden and Denmark. These three countries together account for the majority of revenue and are crucial for the bank's business development.

Production: Not applicable

Nordea Bank Abp is a bank and not a manufacturing company. Therefore, Nordea does not produce physical products. Instead, the bank offers a variety of financial services, including account management, loans, asset management, and investment banking.

Nordea mainly operates in the Nordic countries, including Finland, Sweden, Norway, and Denmark. The services are provided through a network of branches, digital platforms, and other distribution channels.

Strategy for Future Growth:

1. Digitalization and Focus on Technology: Nordea Bank Abp is increasingly focusing on the digitalization of its services. By investing in modern technologies and digital platforms, the bank aims to increase its efficiency and enhance the customer experience.

2. Sustainability and ESG Initiatives: The bank is committed to promoting sustainable financing options and strengthening its environmental, social, and governance (ESG) goals. This includes supporting projects that contribute to reducing CO2 emissions.

3. Market Expansion and Diversification: Nordea plans to further expand its presence in the Nordic countries while simultaneously entering new markets. Diversifying revenue sources is intended to minimize risk and promote growth.

4. Customer Orientation and Personalization: By utilizing data analytics and customer feedback, Nordea aims to offer personalized financial solutions tailored to the individual needs of customers.

These strategic priorities are intended to help Nordea strengthen its market position and secure long-term growth.

Main Imported Raw Materials/Materials: Financial services and IT infrastructure

Countries of Origin: USA, India, EU countries

Nordea Bank Abp is a financial institution and not a manufacturing company, so it does not import physical raw materials or materials in the traditional sense. Instead, the bank focuses on importing services and technologies necessary for the operation and enhancement of its financial services.

The bank mainly imports IT infrastructure and software solutions required for the operation of its digital platforms and ensuring cybersecurity. These technologies often come from the USA and the EU, where leading technology companies are based. Additionally, Nordea frequently sources IT services and support from India, a global hub for IT outsourcing.

These strategic imports are crucial to ensuring the efficiency and security of banking services and providing customers with modern and reliable financial solutions.

Market share in the Nordic region: approx. 20% (2024)
Common Equity Tier 1 (CET1) ratio: 16.3% (2024)
Return on Equity (ROE): 11.5% (2024)

Nordea Bank Abp has a significant competitive advantage in the Nordic region as it holds a considerable market share of about 20%. This allows the bank to benefit from economies of scale and maintain a strong presence in a stable and developed market.

The solid Common Equity Tier 1 (CET1) ratio of 16.3% indicates that Nordea has a strong capital base, positioning it well to cope with economic uncertainties. This is an important factor for investor and customer confidence.

With a Return on Equity of 11.5%, Nordea demonstrates efficient capital utilization, indicating strong operational performance. These metrics, combined with a wide range of products and a robust digital infrastructure, contribute to its sustainable competitive advantage.

Institutional Investor Share: approx. 70% (estimated for 2025 based on historical data) Insider Purchases/Sales: No significant changes reported (as of 2025)

The institutional investor share at Nordea Bank Abp traditionally stands at around 70%, indicating the trust of major financial institutions in the stability and growth potential of the bank. This figure may vary slightly depending on market conditions and investors' strategic decisions.

Regarding insider purchases or sales, there were no significant transactions in 2025 that would suggest a substantial change in management or executives' confidence in the bank's future development. This indicates a stable internal assessment of the company's situation.

Market share of Nordea Bank Abp: Estimate 8% (2025)

Main competitors and their market shares:

1. Danske Bank A/S: Estimate 10%
2. Svenska Handelsbanken AB: Estimate 9%
3. SEB Group: Estimate 8%
4. Swedbank AB: Estimate 7%
5. DNB ASA: Estimate 6%

Nordea Bank Abp is one of the leading banks in the Nordic region. Its market share of around 8% positions it strongly compared to its competitors. The bank benefits from a broad customer base and an extensive network in the Nordic countries, which can be considered a significant part of its moat.

A significant advantage of Nordea is its robust digital infrastructure, allowing it to operate more efficiently and offer innovative financial services. This is particularly important in an industry that is increasingly digitized.

Compared to its competitors, Nordea has a solid moat, but not necessarily significantly better than the other major banks in the region. Danske Bank and Svenska Handelsbanken also have strong positions and similar advantages, especially in terms of customer loyalty and regional presence. Competition in the industry remains high, and success heavily depends on the ability to adapt to market changes and drive innovation.

Return on Equity (ROE): 11.5% (2024) Equity Ratio: 15.8% (2024) Net Interest Income: 4.2 billion euros (2024)

The Nordea Bank Abp shows a solid return on equity of 11.5%, indicating efficient capital utilization. The equity ratio of 15.8% suggests a healthy capital structure that minimizes the risk of financial constraints.

The net interest income of 4.2 billion euros indicates that the bank could benefit from rising interest rates, strengthening its earning power. These indicators suggest that Nordea is in a stable financial position and potentially a good investment, especially for investors seeking long-term stability and moderate returns.

Furthermore, in recent years, Nordea has consistently invested in digital transformation and sustainability initiatives, which could support future growth. These strategic measures could further enhance the bank's competitiveness and have long-term positive effects on its earnings.

Dividend yield: 5.2% (2025, estimated)
Payout ratio: 70% (2025, estimated)

Nordea Bank Abp has pursued a consistent dividend policy in recent years and is known for its reliable payouts. The estimated dividend yield of 5.2% in 2025 suggests that the bank continues to offer an attractive return for investors.

The payout ratio of about 70% indicates that a significant portion of profits is being returned to shareholders, pointing to a solid financial foundation and stable earnings. Historically, Nordea has maintained a strong balance sheet and a conservative risk policy, which supports the reliability of dividend payments.