Basic Information
type: Listed commercial
bankFull name: Nordea Bank Abp
Founded: 2000
Headquarters location: Helsinki
, FinlandShareholder background: The main shareholder is the Sampo Group of Finland, holding about 20% of the shares; Listed on the Helsinki, Stockholm and Copenhagen stock exchanges<
Coverage areas: mainly in the Nordic countries (Finland, Sweden, Denmark, Norway), but also in Germany, the United Kingdom,
Number of branches in Singapore, China (Shanghai), the United States (New York) and other places
: More than 1,400 branches in 19 countries around the
worldATM distribution: Extensive ATM network
regulatory and compliant
regulator: Deposit insurance directly supervised by the European Central Bank (ECB):
Participation in the EU's deposit insurance schemeRecent
compliance record: 2024, Danish authorities have accused the bank of anti-money laundering violations, one of
Financial health
capital adequacy ratio: Q3 2024, Common Equity Tier 1 Capital Adequacy Ratio (CET1) of 15.8%
Non-Performing Loan Ratio: Net loan loss of €51 million in 2024Liquidity
Coverage Ratio: Data not disclosed, but overall capital position is strong
for deposits and loan products
Deposit class: Demand and time deposit accounts are available, interest rates are adjusted according to market
conditionsLoan classes: housing loans, car loans, and personal lines of credit are available, and interest rates and thresholds vary
List of common fees
Account management fee: Depending on the account type, a monthly or annual fee may applyTransfer
fees: Domestic transfers are usually free, cross-border transfers may be charged
Overdraft Fees, ATM Interbank Withdrawal Fees: May apply, depending on the region and account type
Hidden Fee Alert: Some accounts may have a minimum balance requirement and may be charged if it is not met
Digital Service Experience
APP & Online Banking: Provide full-featured mobile applications and online banking services, and support functional technology innovations such as face recognition, real-time transfers, and bill management
: Invest in technologies such as AI customer service, robo-advisors, and open banking APIsCustomer
service quality
- service channels: 24/7 phone support, live chat, and social media response
Complaint Handling: Committed to quickly resolving customer complaints and improving user
satisfactionMulti-language support: Provide multilingual services to facilitate cross-border user
security measures
Security of funds: Participation in the EU's deposit insurance scheme, use of advanced anti-fraud
technologyData security: ISO 27001 certified, no major data breaches
Featured services and differentiation
market segments: provide high-net-worth services such as student accounts, exclusive wealth management for the elderly and green financial products
: provide private banking services and customized financial solutions
Market Position & Accolades
Industry ranking: Leading position in the Nordic
regionAwards: Winner of several "Best Digital Bank", "Most Innovative" awards
Nordea Bank Abp occupies an important position in the Nordic and global financial markets thanks to its strong capital strength, extensive service network and continuous technological innovation.
