Results Snapshot
Figures in Million
Standalone Annual Results
Dec'04
Dec'03
Dec'02
Dec'01
Interest Earned
72,251.63
82,918.75
94,601.85
1,05,201.21
Income On Investments
7,188.19
10,095.48
10,843.40
13,954.88
Interest On Balances With Rbi Other Inter Bank Funds
0.00
0.00
0.00
0.00
Interest / Discount On Advances / Bills
63,431.00
71,600.95
83,302.84
90,036.91
Others
1,632.45
1,222.32
455.61
1,209.42
Other Income
24,730.24
21,259.36
17,823.27
19,806.63
Total Income
96,981.87
1,04,178.11
1,12,425.12
1,25,007.84
Interest Expended
40,297.13
49,798.33
60,395.01
70,890.81
Net Interest Income
31,954.50
33,120.42
34,206.83
34,310.41
Total Expenditure (Excl Depreciation)
33,136.00
35,546.96
37,979.24
32,812.58
Employee Cost
17,641.27
19,330.81
13,495.02
12,475.67
Other Operating Expenses
14,295.20
15,120.59
23,080.96
19,174.01
Operating Profit Before Provisions and Contingencies
24,748.28
19,928.39
15,454.13
22,467.36
Exceptional Items
-2,399.07
-2,372.21
-2,706.29
-2,223.48
Provisions and contingencies
243.51
3,467.77
2,278.03
3,367.78
Profit Before Tax
23,305.23
15,365.05
11,772.84
17,936.68
Tax
6,015.71
1,856.12
3,690.40
3,349.17
Profit After Tax
17,289.52
13,508.93
8,082.43
14,587.50
Extraordinary Items
0.00
0.00
0.00
0.00
Prior Period Expenses
0.00
0.00
0.00
0.00
Other Adjustments
0.00
0.00
0.00
0.00
Net Profit
17,289.52
13,508.93
8,082.43
14,587.50
Face Value
0.0
0.0
0.0
0.0
Reserves
1,03,006.60
99,750.59
97,627.07
98,958.73
Earnings per share (EPS)
4.82
3.6
2.13
3.83
Diluted Earnings per share
4.82
3.6
2.13
3.83
Operating Profit Margin (Excl OI)
0.0%
0.0%
0.0%
0.0%
Gross Profit Margin
32.26%
18.53%
12.44%
17.05%
PAT Margin
23.93%
16.29%
8.54%
13.87%
Net Interest Margin
1.7%
1.6%
1.7%
1.8%
Return on Assets
0.0%
0.0%
0.0%
0.0%
CASA (%)
0.0%
0.0%
0.0%
0.0%
CASA Amount
0.00
0.00
0.00
0.00
Capital Adequacy Ratio (Total)
9.5%
9.3%
9.9%
9.1%
Capital Adequacy Ratio (Tier 1)
7.3%
7.3%
7.1%
7.3%
Provision Coverage Ratio (%)
0.0%
0.0%
0.0%
0.0%
Amount of Gross NPAs
20,283.85
23,984.69
29,705.45
28,709.85
Amount of Net NPAs
20,283.85
23,984.69
29,705.45
28,709.85
% of Net NPAs
1.24%
1.52%
1.93%
1.94%
% of Gross NPAs
1.24%
1.52%
1.93%
1.94%
Public Share Holdings (%)
0.0%
0.0%
0.0%
0.0%
Pledged Promotor Holding (%)
0.0%
0.0%
0.0%
0.0%
Pledged Capital (%)
0.0%
0.0%
0.0%
0.0%
Number of ATMs
0.0
0.0
0.0
0.0
Number of Branches
0.0
0.0
0.0
0.0
Annual Analysis Highlights
Interest Earned
YoY Growth in year ended Dec 2004 is -12.86% vs -12.35% in Dec 2003
Net Profit
YoY Growth in year ended Dec 2004 is 27.99% vs 67.14% in Dec 2003
Operating Profit (PBDIT)
YoY Growth in year ended Dec 2004 is 24.19% vs 28.95% in Dec 2003
% of Net NPAs
YoY Growth in year ended Dec 2004 is -0.28% vs -0.41% in Dec 2003
% of Gross NPAs
YoY Growth in year ended Dec 2004 is -0.28% vs -0.41% in Dec 2003
Compare Annual Results Of Nordea Bank Abp With
Figures in Million
Consolidate Annual Results
Change(SEK)
Change(%)
Interest Earned
0
0
0.00
Income On Investments
0
0
0.00
Interest On Balances With Rbi Other Inter Bank Funds
0
0
0.00
Interest / Discount On Advances / Bills
0
0
0.00
Others
0
0
0.00
Other Income
0
0
0.00
Total Income
0
0
0.00
Interest Expended
0
0
0.00
Net Interest Income
0
0
0.00
Total Expenditure (Excl Depreciation)
0
0
0.00
Employee Cost
0
0
0.00
Other Operating Expenses
0
0
0.00
Operating Profit Before Provisions and Contingencies
0
0
0.00
Exceptional Items
0
0
0.00
Provisions and contingencies
0
0
0.00
Profit Before Tax
0
0
0.00
Tax
0
0
0.00
Profit After Tax
0
0
0.00
Extraordinary Items
0
0
0.00
Prior Period Expenses
0
0
0.00
Other Adjustments
0
0
0.00
Net Profit
0
0
0.00
Face Value
0
0
0.00
Reserves
0
0
0.00
Earnings per share (EPS)
0
0
0.00
Diluted Earnings per share
0
0
0.00
Operating Profit Margin (Excl OI)
0%
0%
0.00
0.00%
Gross Profit Margin
0%
0%
0.00
0.00%
PAT Margin
0%
0%
0.00
0.00%
Net Interest Margin
0%
0%
0.00
0.00%
Return on Assets
0%
0%
0.00
0.00%
CASA (%)
0%
0%
0.00
0.00%
CASA Amount
0
0
0.00
Capital Adequacy Ratio (Total)
0%
0%
0.00
0.00%
Capital Adequacy Ratio (Tier 1)
0%
0%
0.00
0.00%
Provision Coverage Ratio (%)
0%
0%
0.00
0.00%
Amount of Gross NPAs
0
0
0.00
Amount of Net NPAs
0
0
0.00
% of Net NPAs
0%
0%
0.00
0.00%
% of Gross NPAs
0%
0%
0.00
0.00%
Public Share Holdings (%)
0%
0%
0.00
0.00%
Pledged Promotor Holding (%)
0%
0%
0.00
0.00%
Pledged Capital (%)
0%
0%
0.00
0.00%
Number of ATMs
0
0
0.00
Number of Branches
0
0
0.00
Annual - Interest Earned
Interest Earned 7225.16 Million
in Dec 2004Figures in Million
YoY Growth in year ended Dec 2004 is -12.86% vs -12.35% in Dec 2003
Annual - Net Profit
Net Profit 1,728.95 Million
in Dec 2004Figures in Million
YoY Growth in year ended Dec 2004 is 27.99% vs 67.14% in Dec 2003
Annual - Operating Profit (PBDIT)
Operating Profit (PBDIT) 2,474.83 Million
in Dec 2004Figures in Million
YoY Growth in year ended Dec 2004 is 24.19% vs 28.95% in Dec 2003
Annual - % of Net NPAs
% of Net NPAs 1.24%
in Dec 2004Figures in %
YoY Growth in year ended Dec 2004 is -0.28% vs -0.41% in Dec 2003
Annual - % of Gross NPAs
% of Gross NPAs 1.24%
in Dec 2004Figures in %
YoY Growth in year ended Dec 2004 is -0.28% vs -0.41% in Dec 2003






