Nordea Financial institution Abp (OTCQX:NRDBY) Q3 2025 Earnings Name October 16, 2025 4:00 AM EDT
Firm Individuals
Ilkka Ottoila – Head of Investor Relations
Frank Vang-Jensen – President & Group CEO
Ian Smith – Group Chief Monetary Officer
Convention Name Individuals
Andreas Hakansson – SEB, Analysis Division
Markus Sandgren – Kepler Cheuvreux, Analysis Division
Martin Ekstedt – Handelsbanken Capital Markets AB, Analysis Division
Shrey Srivastava – Citigroup Inc., Analysis Division
Sofie Caroline Peterzens – Goldman Sachs Group, Inc., Analysis Division
Namita Samtani – Barclays Financial institution PLC, Analysis Division
Gulnara Saitkulova – Morgan Stanley, Analysis Division
Bettina Thurner – BNP Paribas Exane, Analysis Division
Nicolas McBeath – DNB Carnegie, Analysis Division
Magnus Andersson – ABG Sundal Collier Holding ASA, Analysis Division
Presentation
Ilkka Ottoila
Head of Investor Relations
Good morning, and welcome to Nordea’s Third Quarter 2025 Outcomes. I am Ilkka Ottoila, Head of Investor Relations. As typical, we’ll begin with a presentation by Group CEO, Frank Vang-Jensen, adopted by a Q&A session with Frank; and Group CFO, Ian Smith. Please bear in mind to dial into the teleconference to ask questions.
With that, Frank, please go forward.
Frank Vang-Jensen
President & Group CEO
Good morning. At present, we’ve printed our outcomes for the third quarter of 2025. Once more, it was a really stable quarter for Nordea. The previous few months have reminded us that the world economic system is delicately balanced. Political shifts and rising world tensions imply the working surroundings can change shortly. Nonetheless, after the turbulent first few months of the 12 months, the third quarter felt extra calm and settled. Among the earlier uncertainty round tariffs receded when the brand new EU-U.S. commerce settlement was struck. The Nordic economies additionally continued to learn from low inflation and rates of interest, situations that helped elevate confidence.
In the course of the quarter, Nordic corporates signaled a renewed urge for food to speculate. That translated into elevated demand for lending. Family exercise additionally confirmed
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