Profitability and return

A return on equity exceeding 20 per cent.

Capital structure

Under normal conditions, the CET1-ratio should be 2.3–3.3 percentage points above regulatory requirements.

Growth

Earnings per share (adjusted for AT1 costs) to grow at an average annual rate of 15 per cent up to 2030.

Dividend policy

From the full year 2027, distribute 30–40 per cent of the Group’s annual net profit. The dividend shall be determined annually, with respect to the group’s and the company’s capital targets and the outlook for profitable growth.