Nordea Bank Abp · OMXHEX:NDA_FI
Nordea Bank Abp — Investor Presentation (November 2005)
19 slides from Nordea Bank Abp's investor presentation, Nov 29, 2005
Slide 1: Increased growth in Sweden
Increased growth in Sweden Arne Liljedahl Siv Svensson EVP, member of Group Executive EVP, Head of Region Bank Management 29 November 2005
Slide 2: Nordea today
Nordea today z Improved profitability z Cost culture established - unchanged costs since 2001 z Very good credit quality - six quarters of positive net loan losses z Good risk control - risks declined since 2001 (EC) z Strong balance sheet 2
Slide 3: Next step: Increased growth in Sweden
Next step: Increased growth in Sweden 48% 23% 25% 43% Market position Thousands Pers. customers 2,980 Branch offices 376 1 Corp. customers 333 Personnel 5,927 Finland Pers. customers 3,860 Branch offices 249 Sweden 2-3 Corp. customers 437 Personnel 4,255 Norway Pers. customers 620 Branch offices 125
Slide 4: Increase share of wallet and core customer base
Increase share of wallet and core customer base Retail Retail Personal Customers Customers Corporate customers Million Number customers Senior La Private banking re relationship rg Co Personal banker e managers 1.3 15,500 te dia Relationship Me me managers di Standardised um er concepts 1.6 53,000 I
Slide 5: Strong increase among core customers
Strong increase among core customers Strong growth in core segment Sep 04 to Sep 05 15.8% 6.6% 8.7% 139 105 120 1.3 99 1.2 No. of customers Volume per Business volumes (m) customer (EUR bn) (EUR'000) 5
Slide 6: Capture untapped potential in Sweden
Capture untapped potential in Sweden Growth in total income in 2005 compared to same period last year 14% 12% 12% 11% 10% 10% 8% 5% 5% 0% Retail Denmark Finland Norway Sweden Banking, Total 1st half year 3rd quarter 6
Slide 7: Large potential in Sweden
Large potential in Sweden Corporate lending Lending to 20% households Home Corporate loans Funds lending 15% Consumer Konsumentlån credits 10% 5% Life & Pensions 7 Market shares
Slide 8: Growth drive in Sweden
Growth drive in Sweden z Increase advisers and specialists in Sweden by up to 500 people over a two- year period, a 25 per cent increase z Expand the branch network with new branches and venues providing personal advisory service z The biggest advisory service drive that Nordea has conducted 8
Slide 9: Growth areas
Growth areas z Personal customers a) Life insurance and pension savings b) Private Banking c) Consumer loans d) Mortgages z Corporate customers a) More business with Small and Medium-sized corporate customers b) Tailored financial solutions to specific sectors 9
Slide 10: More than 4 million customers in Sweden
More than 4 million customers in Sweden Retail Retail Personal Customers Customers Corporate customers Number customers Senior La Private banking re Relationship rg Co Personal banker e Managers 422.237 1.713 te dia Relationship Me me Managers di Standardised um er Int concepts 660.917 16.045 ic Sm
Slide 11: Successful customer programmes
Successful customer programmes z Key elements in the programmes offered to the customers: – More favourable conditions for customers doing more business with Nordea – Personal banking adviser – Transparent pricing z Key focus on increasing: – Customer satisfaction – More business volume per customer
Slide 12: Increasing demand for life and pension services
Increasing demand for life and pension services z Strong growth in life and pension savings z Need for advice increases in line with the individual getting increased investment responsibility z Many personal customers have their pension savings with other life insurance companies z Drive in occupati
Slide 13: Private Banking expanding strongly…
Private Banking expanding strongly… z Nordea biggest in the Nordic countries in Private Banking z Nordea’s Private Banking growing in Sweden: – Assets under management have grown from SEK 4 billion to 50 billion over the past 5 years – The number of customers has risen to some 10,000 – Income has in
Slide 14: …and will grow further still
…and will grow further still Unique growth opportunity with Nordea’s Private Banking concept: – Long-term savings – Equity trading – Insurance solutions – Tax consultancy – Advisory services in connection with moving abroad – Tailored asset management solutions From 19 locations to 25 within a two-y
Slide 15: Increased focus on small and mid-sized corporate customers
Increased focus on small and mid-sized corporate customers • Increased share of wallet • Special account managers focused on acquiring of new customers • Sector specific offers • Sharper product focus - Occupational pensions - Structured products – Markets - Cash Management etc 15
Slide 16: New branches in growth areas
New branches in growth areas z Up to 20 advisory offices and venues will be established during 2006 and 2007, as a complement to the 250 existing branches z The expansion is taking place in growth areas, for example metropolitan areas, places with expansive business sector and university towns z App
Slide 17: The customer decides the mix of channels
The customer decides the mix of channels z Branches to ensure local presence of advisory services z e-solutions to enable self-service as well as 24/7 access to the bank z Contact Centres offering self-service as well as 24/7 personal service from the bank 17
Slide 18: Summary
Summary z Strong and increasing demand for advisory expertise from both personal and corporate customers z The number of advisers and specialists increases in Sweden by up to 500 persons during a two-year period, or by 25 per cent z Up to 20 advisory offices and venues will be established during the
Slide 19: Nationwide advertising campaign
Nationwide advertising campaign Starts 30 November 19
Nordea Bank Abp — Investor Presentation (November 2005) on 6ix