Nordea Bank Abp ( (NBNKF) ) has released its Q3 earnings. Here is a breakdown of the information Nordea Bank Abp presented to its investors.
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Nordea Bank Abp is a leading financial services group in the Nordic region, offering a wide range of banking services including personal banking, business banking, and asset management. Nordea is known for its strong digital banking capabilities and a focus on sustainable financial solutions.
In its third-quarter financial report for 2025, Nordea reported a solid return on equity of 15.8% and earnings per share of EUR 0.36, despite challenges posed by geopolitical tensions. The bank’s operating profit stood at EUR 1.6 billion, reflecting its resilience and ability to maintain stable income levels.
Key highlights from the report include a 6% year-on-year increase in mortgage lending, driven by growth in Sweden and Norway, and an 8% rise in retail deposit volumes. Net interest income decreased by 6% due to policy rate reductions, but net fee and commission income rose by 5%, supported by increased capital markets activity. The bank’s credit quality remained strong, with net loan losses amounting to a reversal of EUR 19 million.
Nordea’s capital position is robust, with a CET1 ratio of 15.9%, well above regulatory requirements. The bank announced a new EUR 250 million share buy-back program, underlining its commitment to returning excess capital to shareholders. Looking ahead, Nordea is on track to achieve a return on equity above 15% for the full year, supported by its diversified business model and strong presence in the stable Nordic markets.
The management remains optimistic about the future, focusing on strategic growth and cost efficiency to drive superior earnings per share growth. Nordea plans to unveil its strategy for the next period at its upcoming Capital Markets Day, emphasizing continued expansion in its core Nordic markets.