Wholesale leading, succesful relations, effective, corporate. Wholesale Banking. Casper von Koskull Head of Wholesale Banking
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1 Wholesale leading, succesful relations, effective, corporate Wholesale Banking Casper von Koskull Head of Wholesale Banking 1
2 Product dimension: Size and competencies = Relevance Wholesale Banking has a unique Nordic platform Uniquely positioned relative to peers The leading Nordic wholesale bank International competition Local competition Customer dimension: Multi-local presence = Intensity 2
3 Wholesale Banking performance and value drivers Market characteristics GDP growth Low Interest rates Low Volatility Low Capital markets regulation High Top line drivers Lending -15% Income -5% NII -7% Fair Value -15% Cost/Income +2 pp Pricing Fee & Comm. Cost REA Loan losses Value drivers +30 bp +15% ±0% -30% -43% Value creation Market position Achieved #1 position Return¹ >+3 pp 1) Assuming constant capital requirement (EC/REA) as for 2014 (~15%) 3
4 Wholesale Banking has delivered on its 2015 plan Commitments in 2015 plan Wholesale Banking has delivered ( 12 vs. 14) Achieved #1 market position Balanced income mix P Reposition the business Develop organisational platform One Nordic operating model Improved capabilities at unchanged cost P Return-driven culture Disciplined pricing, business selection and capital reduction P 4
5 Successful Wholesale Banking journey Leveraging the platform Transforming the business model & culture Business model & culture WB formation WB formation WB formation Intensity & Relevance 5
6 Business priorities leveraging the platform Nordea platform Strategic focus areas Pan-Nordic platform with scalability Further leveraging customer franchise Superior Nordic distribution power and global capabilities Strengthen wholesale banking capabilities Effective capital management Actively managed business portfolio with low volatility Continued prudent risk management 6
7 Further leveraging customer franchise Leading Nordic Capital Market and Advisory Franchise Nordic Corporate Bonds Nordic IG Corporate Bonds Nordic HY Corporate Bonds Nordic Syndicated Loans Marine Syndicated Loans (USDm) Nordic ECM Nordic Equity Trading¹ Nordic M&A Source: Dealogic, Merger Market, NasdaqOMX Strength in Transaction Services #1 in Cash Management 2015 in the Nordics #1 in Trade Finance Bank 2015 in the Nordics #1 in Cash Management 2015 in Sweden #1 in Trade Finance Bank 2015 in Sweden, Finland and Norway #1 in Cash & Liquidity Management 2014 in the Nordics #1 in Payments & Collections 2014 in the Nordics #1 in Financial Supply Chain Management 2014 in the Nordics #1 in Trade Finance in the Nordics 1) Only s included Leader in Risk Management #1 in Interest Rates Derivatives 2014 in the Nordics #1 in Foreign Exchange 2014 in the Nordics #1 in Credit 2014 in the Nordics and in Sweden, Denmark, Finland and Norway #1 in Fixed Income 2014 in Norway #1 in Interest Rates Derivatives 2014 in Norway #1 in Foreign Exchange Provider 2015 in Finland and the Nordics 7
8 Strengthen Wholesale Banking capabilities Leading Wholesale Banking platform Priorities Support equity-related activities Bank lending Transaction banking Corporate/ Institutional customer Capital markets financing Risk mgmt, advisory Culture & Capabilities Selective strengthening of international distribution Key additions to Investment Banking Improve competence pool in selected markets and products Adjust FICC to cyclical and structural changes Digitalisation/e-Markets Capitalising on strong platform via increased distribution Strengthen transaction banking New simplified payment platform 8
9 2011 CRD IV Efficiencies Bus. selection Effective capital management REA reduction (EURbn) Key initiatives 78 5 Management of low-yielding relationships >50% Active business selection/ de-selection Balanced business mix Capital hedging 9
10 Continued prudent risk management Diversified customer franchise Key messages Income 2014, % Russia 12% SOO 15% Other 12% CIB SE 22% CIB DK 16% CIB FI 13% CIB NO 10% Strong relationships, staying close to the customer More balanced income with higher share of commission income Items at fair value 28% Net fee & com. Income 26% Net interest income 46% Well established process for managing business and portfolio risk Loan losses down by EUR 216m FY 2012 to
11 Summary Income Capital #1 wholesale bank in the Nordics Capital markets financing and stronger advisory Disciplined capital management Business selection, capital-light solutions Maintain #1 Position Cost Risk Selective platform investments Operational streamlining and efficiency Medium term cost efficiencies Enhanced franchise quality Distribution and structuring Well-diversified business mix Return Above peer average 11
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