Nordea reported strong financial results with significant growth in lending, deposits, and assets under management, supported by low credit losses and a robust capital position. However, there were challenges due to a decrease in net interest income, subdued corporate finance activity, and some regulatory uncertainties.

Company Guidance

In the second quarter of 2025, Nordea maintained a strong financial performance despite volatile market conditions, achieving a return on equity of 16.2% and earnings per share of EUR 0.35. The bank reported a 6% increase in mortgage lending and an 8% rise in retail deposits, with corporate lending and deposits each growing by 5% year-on-year. Assets under management increased by 9% to EUR 437 billion. Total income remained resilient, although net interest income decreased by 6% year-on-year and 2% quarter-on-quarter due to declining interest rates. Operating profit was EUR 1.6 billion, slightly down from EUR 1.7 billion the previous year. Costs rose by 3%, aligning with strategic investments, including a Norwegian acquisition. The cost-to-income ratio was 46.1%, and credit quality remained strong, with net loan losses at a net reversal of EUR 21 million. Nordea released EUR 60 million from its management judgment buffer, and its CET1 ratio stood at 15.6%, 1.9 percentage points above the regulatory requirement. The bank maintained its full-year guidance, projecting a return on equity above 15% for 2025.

Strong Financial Performance

Nordea reported a return on equity of 16.2% for the second quarter and maintained a target of above 15% for the full year. Earnings per share stood at EUR 0.35.

Growth in Lending and Deposits

Mortgage lending increased by 6% and retail deposits grew by 8%. Corporate lending and deposits both increased by 5% year-on-year.

Increase in Assets Under Management

Assets under management rose by 9% to EUR 437 billion, with strong net inflows in Private Banking and the life insurance and pension business.

Low Credit Losses

Net loan losses amounted to a net reversal of EUR 21 million, indicating strong credit and asset quality.

Strong Capital Position

CET1 ratio was 15.6%, 1.9 percentage points above the current regulatory requirement.

Nordea Bank Abp (NBNKF) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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NBNKF Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 16, 2025	2025 (Q3)	0.39 / -	0.421	―	―	―
Jul 17, 2025	2025 (Q2)	0.40 / 0.41	0.433	-5.41% (-0.02)
Apr 16, 2025	2025 (Q1)	0.38 / 0.41	0.445	-7.89% (-0.04)
Jan 30, 2025	2024 (Q4)	0.37 / 0.37	0.363	3.23% (+0.01)
Oct 17, 2024	2024 (Q3)	0.41 / 0.42	0.445	-5.26% (-0.02)
Jul 15, 2024	2024 (Q2)	0.43 / 0.43	0.433	0.00% (0.00)
Apr 18, 2024	2024 (Q1)	0.39 / 0.44	0.363	22.58% (+0.08)
Feb 05, 2024	2023 (Q4)	0.41 / 0.36	0.398	-8.82% (-0.04)
Oct 19, 2023	2023 (Q3)	0.43 / 0.44	0.316	40.74% (+0.13)
Jul 17, 2023	2023 (Q2)	0.40 / 0.43	0.328	32.14% (+0.11)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

NBNKF Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 17, 2025	$14.50	$14.00	-3.45%
Apr 16, 2025	$12.80	$13.00	+1.56%
Jan 30, 2025	$11.21	$11.30	+0.80%
Oct 17, 2024	$10.51	$11.12	+5.80%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Nordea Bank Abp (NBNKF) report earnings?

Nordea Bank Abp (NBNKF) is schdueled to report earning on Oct 16, 2025, Before Open (Confirmed).

What is Nordea Bank Abp (NBNKF) earnings time?

Nordea Bank Abp (NBNKF) earnings time is at Oct 16, 2025, Before Open (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is NBNKF EPS forecast?

NBNKF EPS forecast for the fiscal quarter 2025 (Q3) is 0.39.

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