We operate in an attractive, demanding and rapidly changing business environment. With our strength and scale, we are well equipped to navigate the many global megatrends impacting our business. We're a leading bank in each of our four Nordic home markets.
The Nordic countries in which we operate – Denmark, Finland, Norway and Sweden - – consistently rank among the highest performing nations on metrics such as income, wealth, purchasing power, productivity, digitalisation, educational standards and more.
All four are politically stable democracies, which creates a very stable business environment. From a global perspective, the Nordics have very low rates of corruption and high legal protection of individual and property rights. Their solid welfare systems provide universal access to healthcare, education and social protection. Economic growth is strong, household savings are high and unemployment is low.
The Nordic region is a mature, digitalised and attractive market. Accordingly, it is a highly competitive business environment. Having the best products and services is not enough: the strongest financial institutions are digitally advanced, provide holistic advice to meet complex needs, adhere to the highest ethical standards and actively contribute to society and a sustainable future.