Nordea exhibited strong financial performance with a solid return on equity and growth in key areas like lending, deposits, and assets under management. Despite challenges such as a decline in net interest income and subdued equity market activity, the bank maintained a strong capital position and continued strategic investments. The highlights slightly outweigh the lowlights, reflecting a resilient performance in a volatile market environment.

Company Guidance

In Nordea's second quarter of 2025 results presentation, the bank reported a robust performance despite volatile market conditions exacerbated by geopolitical tensions and higher U.S. trade tariffs. Key metrics for the quarter included a strong return on equity of 16.2%, supported by a 6% increase in mortgage lending and an 8% rise in retail deposits, particularly driven by growth in Norway and Sweden. Corporate lending and deposits also saw a year-on-year increase of 5%. Assets under management grew by 9% to EUR 437 billion. Despite a challenging interest rate environment, net interest income decreased by 6% year-on-year, while net fee and commission income remained stable. Operating profit was EUR 1.6 billion, with costs increasing by 3% due to strategic investments, including a Norwegian acquisition. The bank's CET1 ratio stood at 15.6%, providing a comfortable buffer above regulatory requirements. Nordea maintained its full-year guidance of a return on equity above 15% and anticipated continued growth, bolstered by lower inflation and interest rates.

Strong Return on Equity

Nordea delivered a return on equity of 16.2% in Q2 2025, surpassing the full-year guidance of above 15%.

Growth in Lending and Deposits

Mortgage lending increased by 6% and retail deposits were up 8%, with corporate lending and deposits both increasing by 5% year-on-year.

Assets Under Management Growth

Assets under management grew by 9% to EUR 437 billion, demonstrating strong investment performance.

Strong Capital Position

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

Net Loan Loss Reversal

Nordea released EUR 60 million from its management judgment buffer due to lower provisioning requirements, resulting in a net loan loss reversal of EUR 21 million.

Nordea Bank Abp (NRDBY) 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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NRDBY Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Oct 16, 2025	2025 (Q3)	- / -	0.397	―	―	―
Jul 17, 2025	2025 (Q2)	- / 0.40	0.401	-0.25% (>-0.01)
Apr 16, 2025	2025 (Q1)	- / 0.37	0.414	-11.59% (-0.05)
Jan 30, 2025	2024 (Q4)	- / 0.35	0.336	2.98% (<+0.01)
Oct 17, 2024	2024 (Q3)	- / 0.40	0.413	-3.87% (-0.02)
Jul 15, 2024	2024 (Q2)	- / 0.40	0.406	-1.23% (>-0.01)
Apr 18, 2024	2024 (Q1)	- / 0.41	0.335	23.58% (+0.08)
Feb 05, 2024	2023 (Q4)	- / 0.34	0.354	-5.08% (-0.02)
Oct 19, 2023	2023 (Q3)	- / 0.41	0.275	50.18% (+0.14)
Jul 17, 2023	2023 (Q2)	- / 0.41	0.3	35.33% (+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

NRDBY Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Jul 17, 2025	$14.48	$14.08	-2.76%
Apr 16, 2025	$12.62	$12.93	+2.46%
Jan 30, 2025	$11.64	$11.76	+1.03%
Oct 17, 2024	$10.91	$11.54	+5.77%

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 (NRDBY) report earnings?

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

What is Nordea Bank Abp (NRDBY) earnings time?

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

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