MNB übernimmt Christiana Bank - 500 Beiträge pro Seite

[junkstro]

MNB übernimmt Christiana Bank
APA/Reuters/sil
16.10.2000, 19:11:27

Helsinki - Die schwedische MeritaNordbanken (MNB) will die norwegische Christiana Bank übernehmen und dadurch zum ersten Institut aufsteigen, dass ausschließlich den gesamten nordischen Markt abdeckt. MNB wolle 49 Kronen je Christiana-Anteil zahlen, wodurch sich für das norwegische Institut eine Bewertung von 27 Milliarden Kronen (3,37 Milliarden Euro/46,4 Milliarden Schilling) ergebe, teilte das Unternehmen am Montag in Helsinki mit. MNB habe bereits die Zustimmung von mehr als 50 Prozent des Aktionärskapitals der Christiana, darunter den norwegischen Staat.

Die Angebotsfrist laufe bis zum 3. November, teilte die MNB weiter mit. Auch der Christiana-Vorstand habe das Offert bereits zugestimmt. MNB prognostiziert für das fusionierte Unternehmen Einsparungen von 110 Millionen Euro (1,5 Milliarden Schilling) innerhalb der kommenden drei Jahre. Die Restrukturierungskosten wurden auf 90 Millionen Euro beziffert. Weitere Übernahmepläne habe MNB derzeit nicht, sagte MNB-Chef Hans Dalborg. Zuvor müsse die Integration von Christiana abgeschlossen werden.

Sein ursprüngliches Angebot von 44 Kronen hatte MNB bereits 1999 vorgelegt. Norwegische Politiker hatten sich damals allerdings besorgt über den Einfluss einer starken ausländischen Präsenz in dem Bankenbereich geäußert und Stellenkürzungen befürchtet.

[Profitt]

Hört sich interessant an......


Welcome to Nordic Baltic Holding, the leading financial services group in
the Nordic and Baltic region. It has a market capitalisation of EUR 24
billion, 9 million customers and a world-leading Internet banking and
e-commerce operation with 1.7 million customers.

http://www.nordicbalticholding.com/eng/val-index.asp


Gruß Profitt

[junkstro]

The following press release has been sent from Nordic Baltic Holding
20-10-2000

Welcome to the presentations of Nordic Baltic Holding`s interim report for
January-September 2000 on Tuesday, October 24. The report will be released
before lunch.

Press Conference
A press conference will be held in Helsinki at 14.00 local time and will be
satellite linked to Copenhagen at 13.00 (local time) and to Stockholm at 13.00
(local time). *

Venues

Helsinki: Aleksanterinkatu 36 B
Copenhagen: Strandgade 3
Stockholm: Smålandsgatan 24
Oslo: Auditoriet, Vesta Oslo, Lilleakerveien 2A, Lysaker
At the press conference Hans Dalborg, President and Group CEO and Arne
Liljedahl, CFO, will present and give comments on the report. The press
conference will be held in English.

The press conference will also be transmitted live over the Internet at
www.nordicbalticholding.com. Please log on 20 minutes before to download the
necessary software that will be available at the press conference icon.

Telephone conference
An international telephone conference for analysts will take place on October
24, at 16.30 (Helsinki time) where Hans Dalborg and Arne Liljedahl will be
present. To participate, please dial [phone]. Please register at the
latest 10 minutes before the presentation begins. When the conference is opened
slides will be accessible at www.nordicbalticholding.com.

A replay will be available on [phone], meeting number 500 525 50, code
001024, for a week after the conference.

* The press conference will be video linked via satellite Sirius 5° East.

Downlink Helsinki: 12590.500 MHz V, symbol rate 6.111, FEC ¾ (Audio: channel 1)
Downlink Copenhagen: 12599.500 MHz V, symbol rate 6.111, FEC ¾
Downlink Stockholm: 12608.500 MHz V, symbol rate 6.111, FEC ¾
Downlink Oslo: 12617.500 MHz V, rate 6.111, FEC ¾
Further information:
Erik Evrén, Media Relations, [phone]
Lauri Peltola, Media Relations, [phone]
Jens Bekke, Media Relations, [phone]
Björn Westberg, Investor Relations, [phone]




Read previous press releases:
http://www.nordicbalticholding.com/eng/press/val-release.asp…

[junkstro]

The following press release has been sent from Nordic Baltic Holding
20-10-2000

More than 90 percent of the shareholders in Bank Komunalny SAw Gdynia have now
accepted Nordic Baltic Holding`s ("NBH") offer to buy all remaining shares of
the Polish bank. NBH made the public offer September 20th, after Bank Komunalny
made a new issue of shares through which NBH increased its share holding in
Bank Komunalny from 50 percent to approximately 71 percent of votes and
capital.

NBH`s offer of 17.50 zloty per share is a premium of approximately 25 percent.
With the acquisition of all remaining shares NBH`s total investment in Bank
Komunalny amounts to around 180 million zloty.

Bank Komunalny is a regional bank in northern Poland with a presence also in
Warsaw. The bank is among the most profitable and efficient banks in Poland and
was recently rated as Poland`s eighth bank by the renowned magazine Gazeta
Bankowa (compared to number 10 last year).

"The purpose of the acquisition is to build a bank of highest international
standard to provide Nordic customers and an increasing number of Polish
customers with bank services via traditional branches, Internet and other
financial service concepts," says Thomas Neckmar, head of Regional Bank Baltic
States and Poland, Nordic Baltic Holding.

NBH`s investments in Poland also include a 45 percent stake in the Polish bank
BWP-UNI and a 51 percent stake in Energo-Asekuracja S.A. insurance. All
included the NBH Group has approximately 1,000 employees in Poland.

For further information:
Thomas Neckmar, Head of Regional Bank Baltic Countries and Poland [phone]
12
Erik Evrén, Media relations, [phone]

[silberesel]

Hallo,

hält es jemand für möglich, daß im Rahmen der Pressekonferenz am 24.10.2000 etwas über die Zukunftspläne der NBH, speziell über inter-nordic und Metabox gesagt wird ???
Wird anlässlich dieser PK vielleicht die Katze aus dem Sack gelassen???

Tschau

[junkstro]

wer will kann ja die PK heute live mitverfolgen, habe leider selber
keine zeit um es zu tun.


.The following press release has been sent from Nordic Baltic Holding
20-10-2000


Welcome to the presentations of Nordic Baltic Holding`s interim report for
January-September 2000 on Tuesday, October 24. The report will be released
before lunch. CHANGE OF TELEPHONE CONFERENCE TIME

Press Conference
A press conference will be held in Helsinki at 14.00 local time and will be
satellite linked to Copenhagen at 13.00 (local time) and to Stockholm at 13.00
(local time). *

Venues

Helsinki: Aleksanterinkatu 36 B
Copenhagen: Strandgade 3
Stockholm: Smålandsgatan 24
Oslo: Auditoriet, Vesta Oslo, Lilleakerveien 2A, Lysaker
At the press conference Hans Dalborg, President and Group CEO and Arne
Liljedahl, CFO, will present and give comments on the report. The press
conference will be held in English.

The press conference will also be transmitted live over the Internet at
www.nordicbalticholding.com. Please log on 20 minutes before to download the
necessary software that will be available at the press conference icon.

Telephone conference
An international telephone conference for analysts will take place on October
24, at 17.30 (Helsinki time) where Hans Dalborg and Arne Liljedahl will be
present. To participate, please dial [phone]. Please register at the
latest 10 minutes before the presentation begins. When the conference is opened
slides will be accessible at www.nordicbalticholding.com.

A replay will be available on [phone], meeting number 500 525 50, code
001024, for a week after the conference.

* The press conference will be video linked via satellite Sirius 5° East.

Downlink Helsinki: 12590.500 MHz V, symbol rate 6.111, FEC ¾ (Audio: channel 1)
Downlink Copenhagen: 12599.500 MHz V, symbol rate 6.111, FEC ¾
Downlink Stockholm: 12608.500 MHz V, symbol rate 6.111, FEC ¾
Downlink Oslo: 12617.500 MHz V, rate 6.111, FEC ¾
Further information:
Erik Evrén, Media Relations, [phone]
Lauri Peltola, Media Relations, [phone]
Jens Bekke, Media Relations, [phone]
Björn Westberg, Investor Relations, [phone]



Read previous press releases:
http://www.nordicbalticholding.com/eng/press/val-release.asp…

[Profitt]

Up

[junkstro]

The following press release has been sent from Nordic Baltic Holding
24-10-2000



The name of the new Nordic group is proposed to be Nordea. An Extraordinary
General Meeting is called for 30 November 2000 to decide upon the new group
name.
The bank and insurance companies in Finland, Sweden and Denmark will keep the
old brands, endorsed by the new group brand Nordea.
The branding solutions to be used in Norway will be decided when Christiania
Bank og Kreditkasse can join the Group.
"Nordea summarises what this group is about. The sharing and exchange of Nordic
Ideas within our new home market, creating enthusiasm among employees preparing
for an exciting journey together, building on a Nordic heritage of quality and
innovation, being part of integration in a region that is a growth area of
Europe," says Vesa Vainio, Chairman of the Board.

"Nordea," says Hans Dalborg, CEO and President, "is about our ambition to reach
out personally to customers and serve them both locally and through world-class
e-banking. Thus we increase competitiveness in each market and ensure growth
>from a focused penetration of one of the largest customer bases in European
banking and insurance."

"Nordea," says Thorleif Krarup, Deputy CEO, "is also about how to exchange
Nordic Ideas for how to best improve operational efficiency, human resources
development and to control costs, thus further strengthening competitiveness
and ensuring return on equity from the realisation of synergies."

The Extraordinary General Meeting will be held on 30 November 2000 to decide on
necessary changes of the articles of association of the group parent company.

The current Retail Banking, Insurance and Investment Banking brands will be
kept. They will be endorsed by the Nordea brand to show that they are part of
the same group with the same vision and the same values, exchanging products
under the Nordea brand. The new brand will be applied by the Group as such and
the business areas Corporate and Institutional Banking and Asset Management.

Branch offices and insurance service centres will keep their current signage
but have additions of Nordea clearly showing their group belonging. The
combined brand structure now progressively applied will be kept as long as
commercially sound.

Legal entities within the core businesses of the Group have filed for
registration of new secondary names based on Nordea, ensuring protection of the
name and for branding purposes.

Today Nordic Baltic Holding is run as an integrated group with six business
areas. The Group was formed by merging three banks and one insurance group. The
launch of the Group name Nordea confirms the unification of the Group and aims
at helping customers increasingly recognise the entities, products and services
as parts of the Group. Merita and Nordbanken merged in 1997 to form
MeritaNordbanken. Unidanmark and Tryg-Baltica joined forces in 1999 and
subsequently acquired the Norwegian insurance company Vesta later the same
year. The two groups merged this spring and formed Nordic Baltic Holding. The
Group`s public offer for Christiania Bank og Kreditkasse has been increased and
prolonged to 3 November 2000 and the Group has received acceptance of about 80
per cent of the shares and anticipate to reach more than 90 per cent
acceptances by the expiry of the offer.

Further information:
Lars Thalén, Head of Group Identity and Communications, [phone]
Torben Laustsen, Group Identity and Communications, [phone]
Lauri Peltola, Group Identity and Communications, [phone]

[Lewa]

Hat jemand Infos zur heutigen PK ???

Insbesondere Aktivitäten E-Commerce Invest./ Internet ...


Lewa

[johndow_]

@junkstro:
Hier folgt noch etwas Auskunft ueber die aktivitaeten von Nordicbaltic/Nordea.

@Lewa:
Ich habe die (lange) broadcast angeschaut. Interessanteste Punkten waren:
*Bereits 1.7 millionen internet Kunden, wollen sie kurzfristig nach 1.8 mio steigern und danach nach 2.0 mio.
*Internetsite `solo`(www.merita.fi) fuer hypotheken via internet.
*sprachfehler waehrend einer rede: ich glaube das einer der Direkteuren ein fehler machte und sagte etwas ueber ihre rolle als `provider` ...ehhh... partner der kunden.
Schau mal selber. Ich habe aber keine lust die ganze video stream wieder nachzuschauen mit meinem modem Verbindung.

http://www.nordicbalticholding.com/

Groeten uit Nederland
johndow_

http://www.nordicbalticholding.com/ENG/press/release/20000621.ASP?navi=press

21.6.2000

Mortgage loans in Solo via Internet

Merita Bank offers mortgage loans on the Internet. Solo via Internet will become a more extensive way of handling banking business.

The customer of Merita Bank is able to handle the process of applying for a mortgage loan from the beginning to the end in Merita`s Solo Service. The customer is able to get personal guidance via phone and in Solo via Internet. Mortgage loan applications made via Solo are handled in accordance with the customer service model specifically designed for the purpose. The Internet, phone service and branch network have been linked together in the model.

The customer is able to apply for a mortgage loan to buy permanent or free time housing, or housing for investment purposes as well as to renovate housing. A mortgage loan can be negotiated in advance. The customer is informed of the decision via personal mail in Solo. If the customer has already found a suitable house, he or she will receive a favourable loan decision by giving the information related to the house to be purchased.

A mortgage loan application includes calculators and a budget with which the customer can calculate the amount he or she can spend on loan payments each month. After that the customer can choose the most suitable loan period and amortisation timetable.

When applying for a mortgage loan the customer can get acquainted with the loan terms in Solo via Internet. Information is also given about required collateral. Similarly, mortgage terms can be reviewed in advance. The customer signs a credit agreement and draws the loan in a Merita branch of his/her choice.

In addition to mortgage loans the customer of Merita Bank can apply for consumer credit, MasterCard credit and student loan. The customer can authenticate the loan agreements with an electronic signature using the Solo service. Thus, the customer can get the loan directly to his/her bank account without visiting a branch.

Further information:
Jussi Mekkonen, Assistant Vice President, [phone]


www.merita.fi

www.nb.se

www.unibank.dk

www.tryg-baltica.dk

www.meritanordbanken.com

www.unidanmark.dk


© Nordic Baltic Holding 2000 - Last update: 21.06.2000


----------------------------------------------------------------------------------------------------------------

http://www.nordicbalticholding.com/ENG/press/release/20000621_2.ASP?navi=press

21.6.2000

Solo Investment Services expand on the Internet and WAP-phone

It is now possible to make a fund saving agreement and buy bonds in Solo via Internet.

Solo via Internet provides a new and flexible way of saving in Merita investment funds. Visiting a branch is not required any more when making or changing a fund saving agreement. A fund saving agreement can be made at any time and it becomes valid immediately after having been registered in Merita Bank`s systems. The first subscription can be made on the following day when the agreement has become valid. A minimum amount to be saved is FIM 250 and the monthly markka-amount to be saved can be increased or the number of instalments can be changed via Solo.

Bonds can similarly be bought in Solo via Internet. Subscription is possible for all customers who have a Solo Investment Agreement and a book-entry account in Merita Bank. A bond can be subscribed at any time during the subscription period. At the moment it is possible to subscribe a Merita 11/2000 bond under Merita Bank`s bond programme. The selection of book-entry based and euro-denominated bonds will increase in the early autumn.

Wider selection of investment services on the WAP-phone

Queries can be made about fund- and bond-related investment information via a WAP-phone. Share price information includes price development of Merita funds. Queries about insurance matters have become more common. In addition to account balance information it is currently possible to see an itemised account statement. Customers using WAP services shall have both Solo codes and an Investment Agreement.

Further information:
Jari Sundström, President, Merita Fund Management Ltd, [phone], [e-mail]
Jukka Hieta, Expert, Electronic Banking Services, [phone], [e-mail]
Liisa Laine, Communications Officer, Group Communications, [phone], [e-mail]

See also our web sites at
www.merita.fi

www.merita.fi

www.nb.se

www.unibank.dk

www.tryg-baltica.dk

www.meritanordbanken.com

www.unidanmark.dk


© Nordic Baltic Holding 2000 - Last update: 21.06.2000
---------------------------------------------------------------------------------------------------------
http://www.nordicbalticholding.com/ENG/press/release/20000913.ASP?navi=press



13.9.2000

Nordic Baltic Holding joins Identrus - a new solution for global B2B e-commerce

Nordic Baltic Holding, incorporating the banking subsidiaries Merita Bank, Nordbanken and Unibank, has agreed to join Identrus, a major initiative to create trust and security in the rapidly growing business-to-business e-commerce.

The agreement was signed at the annual SIBOS Conference in San Francisco, where both Identrus and S.W.I.F.T. announced their intention to join forces in creating a global e-commerce solution. This will provide participating banks with a platform, enabling them to offer corporate clients services in the form of global certification, complemented by payments and guarantees. By joining Identrus now, the Nordic Baltic Holding Group welcomes and supports this new alliance.

Lack of trust regarding both security of systems and safe verification of user identity have been among the biggest obstacles to the growth of global, Internet-based business-to-business trade. Many Nordic companies are well equipped to conduct electronic commerce, an area currently under expansion in the Nordic Region. Already today Nordic Baltic Holding Group offers Internet-based invoicing and payment services to its Nordic customers. This new development will enable the bank`s customers to trade globally in a secure way.

"Identrus will bring us capacity to offer our clients globally acceptable certificates. This, now added with S.W.I.F.T.`s global messaging capabilities, highly complements our Nordic services, and will enable us to support our clients` international e-commerce. Through the new solution, we can guarantee the identity of our corporate customer doing business over the Internet, with the counterparty`s identity also being guaranteed by a creditworthy financial institution. Using this trust as a base, we can further develop our future international invoicing, payment and credit services", says Bo Harald, Executive Vice President of MeritaNordbanken.

The agreement was signed between Merita Bank Plc and Identrus LLC, and means that the entire Nordic Baltic Holding Group will be positioned to offer certificate services. Identrus LLC is a US company owned by participating major financial institutions from all continents. Its operating principles have been approved by the Federal Reserve Board. S.W.I.F.T. is a bank-owned organisation providing secure networks for world-wide messaging used in international payments and other financial services.

More Information:
Pentti Mansukoski, Head of Cash Management, [phone]
Matti Karvonen, Head of Development of Electronic Banking Services, [phone]

www.identrus.com








www.merita.fi

www.nb.se

www.unibank.dk

www.tryg-baltica.dk

www.meritanordbanken.com

www.unidanmark.dk








Dansk

Suomi

Svenska







© Nordic Baltic Holding 2000 - Last update: 13.09.2000

[Lewa]

@Johndow
Danke! Hatte mal in den Videostream reingeschaut, hatte
aber extrem schlechte Bild/Tonqualität.......

Aber dafür sind die Presseerklärungen interessant...
...1,7Mio.Kunden etc. .....

Grüße Lewa

[junkstro]

The following press release has been sent from Nordic Baltic Holding
02-11-2000



Nordic Baltic Holding Group´s financing companies Merita Finance Ltd,
Nordbanken Finans AB and Unileasing A/S have made a co-operation agreement with
ING Vendor Lease International.

- The purpose of this co-operation is to offer financial services to our
customers also outside our own operating area, says Jukka M.S. Salonen, Deputy
Managing Director of Merita Finance LTD.

Referring to Jukka M.S. Salonen this co-operation agreement concerns primarily
vendor contacts.

- In practice this means that we can offer our customers a partner in almost
whole Europe when they want to offer financing as a support to equipment sale,
he points out.

- Correspondingly also manufacturers or vendors in the Middle-Europe can
contact us via ING, when they want to offer financing to their Nordic or Baltic
customers.

ING Lease operates in 9 European countries; Holland, UK, Belgium, France,
Spain, Poland, Germany, Czech Republic and Italy. The balance sheet of ING
Lease amounts to over 5,5 billion EUR and the number of employees is about
1000.

ING Lease is part of the ING-Group, which is the sixth biggest financing
company group in Europe and its shares are quotated in the stock exchange of
Amsterdam, Brussels, Paris, Frankfurt, Zurich and New York. ING operates
globally in over 60 countries. The group employs about 89 000 persons and it
operates in financing, insurance and property management sectors.

The finance company operations of Nordic Baltic Holding include Nordbanken
Finans, Unileasing, Unifactoring, Unifinans and Merita Finance Ltd and Merita
Finance Ltd´s Baltic subsidiaries Estonian Industrial Leasing Ltd,
MeritaNordbanken Finance Latvia Ltd and MeritaNordbanken Finance LIT Ltd.

Their operating area covers Finland, Sweden, Denmark, Estonia, Latvia and
Lithuania.

Together these companies form the major financing company group in the Nordic
region. At year-end 1999 the balance sheet of the companies amounted to approx.
51.6 billion FIM and profit before appropriations and taxes was approx. 865
million FIM. The group employs about 1000 persons.

For further information:
Stefan Källström, VD Nordbanken Finans
tel. + 46 8 787 6637, mobile + 46 70 588 5565

[Lewa]

@Junkstro

Schön, daß Du dran bleibst und die neusten Sachverh. zu
N.B. postest......Danke!

Lewa

[junkstro]

Unibank to launch Solo Market in Denmark



Unibank now introduces Solo Market and Solo e-payment. As a result Danish e-merchants will have access to secure payments on the Internet and a Nordic online customer base of 1.9 million.

Unibank starts marketing Solo e-payment towards Danish shops and corporate customers wishing to sell their products and services via the Internet.

In addition to selling their products to Unibank`s customers, the merchants may offer their products to the Group`s online customers in Sweden and Finland, at present totalling more than 1.8 million customers. Once the merger with Christiania Bank og Kreditkasse in Norway has been approved, it will also give access to the Norwegian market and thus to 1.9 million customers.

Danish companies and organisations such as Federation of Danish Motorists, Interflora, Louisiana, Frellsens Chokolade, Værebro Tømmerhandel, Midtdata and DVDOO have already signed agreements on Solo e-payment with Unibank, and a number of new agreements are about to be made.

- The merchants` and shoppers` reservations about e-commerce in Denmark are often attributable to lack of security in terms of payments. By transforming the Internet to a secure marketplace by means of Solo e-payment we believe that e-commerce will break through at last. The solution has proved viable in Sweden and Finland, says Peter Lybecker, Member of the Executive Board of Unibank.

Solo Market will be marketed actively towards Danish personal customers during the spring of 2001 when Solo Market is expected to have 35-50 merchants. Unibank expects 300 merchants by the end of 2001.

Watch a demo and read more about Solo Market and Solo e-payment on www.unibank.dk.

Further information:
Peter Lybecker, Member of the Executive Board, on [phone]
Jens Galatius, Head of Electronic Banking, on [phone]
Jens Bekke, Media Relations, on [phone]


© Nordic Baltic Holding, Last update: 22.11.2000

[junkstro]

The following press release has been sent from Nordic Baltic Holding
30-11-2000


At today`s Extraordinary General Meeting of shareholders in Nordic Baltic
Holding (NBH) AB (publ) it was decided that the company will change its name to
Nordea AB, in English Nordea Plc.

Nordea will consequently be the name of the share. Stock exchange abbreviation
will be NDA.

- Nordea stands for Nordic Ideas and reflects the commitment of the group to
integrate and form a truly Nordic and Baltic group that is able to offer the
best solutions from each market to customers in all markets in the region, says
Vesa Vainio, Chairman of the Board of Directors.

As soon as the name change has been registered by the Swedish Patents and
Registration Office, the official use of the name Nordea will start. The Nordea
name and brand will be used by Group companies and functions. As a consequence,
MeritaNordbanken and Unidanmark will be named Nordea Companies Finland (NCF)
Oyj and Nordea Companies Denmark (NCD) A/S, respectively.

The Nordea brand will be used by the business areas Corporate and Institutional
Banking, Asset Management and Regional Bank Baltic Countries and Poland. By
other business areas the Nordea brand will be used together with current brands
such as Unibank, Merita, Nordbanken and Tryg. Decisions concerning Christiania
Bank og Kreditkasse will be made when the acquisition of the shares in CBK has
been completed.

The meeting also approved other amendments to the Articles of Association
concerning the object of the company`s activities and secondly to the location
of shareholders` meetings.

Further information:
Lars Thalén, Head of Group Identity and Communications, [phone]
Torben Laustsen, Group Identity and Communications, [phone]
Lauri Peltola, Group Identity and Communications, [phone]

[junkstro]

The following press release has been sent from Nordea 15-12-2000

Nordea`s electronic banking service Solo has today passed the milestone of two
million customers. Solo is now by far the most widely used Internet bank in the
world with over 5 million monthly log-ins.

Solo provides customers with the most versatile range of financial products and
services in the world, and it is also one of the biggest Internet banks in the
world.

Hans Dalborg, Group CEO of Nordea, considers the branch network and the
Internet banking services as integrated and complement distribution concepts in
a multi channel strategy. Dalborg does not believe that Internet banking as a
separate business would be successful.

- Now we have a pole position to respond to the very rapid development and
increasing popularity of mobile phones. The range of net services and number of
customers increase constantly. The number of the Nordea net customers is
estimated to increase to the level of 2.7 million by the end of the year 2001.

- It is however widely recognised that not even huge investments in Internet
banking make the customer commit to the bank as tight as a well-maintained
personal relationship with the local bank officer. It is a combination of a
positive use of technological development and selective personal services that
will be succesful, Dalborg says.

At present the division of the Nordea net customers between the countries is as
follows: Finland 973,000, Sweden 681,000, Denmark 248,000 and Norway 142,000
customers.

Solo is by far the most used Internet bank in the world. Nordea`s net customers
log in over 5 million times a month and pay almost 6 million invoices a month.
The number of customers buying and selling shares exceeds 200 000; in Denmark
the number of customers is 66,000, in Finland 66,000, in Sweden 55,000 and in
Norway 13,000.

The Solo Market with 500 shops is one of the liveliest e-markets in the Nordic
countries.

- We aim at offering better and more personal services for customers. Nordea is
focusing on completing the more demanding advisory services given by the
personal and corporate bankers with customised and value-added net services.
Next generation Solo services are also now in the pipeline, says Bo Harald,
Executive Vice President of Nordea, head of Network Banking and Payments.

Harald is proud of the global recognition the Group has received for the Solo
services during the last few weeks. The Group has been granted an award for
Best Online Business Strategy by the Banker, for Best Multi Channel Banking
Team by Banking Technology, for Best Domestic Bank in the Nordic Region by
Euromoney, and Solo was highly recommended by Euromoney.com as the Best Retail
Internet Bank.

Additional information:
Bo Harald, Executive Vice, President, [phone], [phone]
Antti Tainio, VP, Network Banking and Payments, [phone], [phone]
Lauri Peltola, Media Relations, [phone]
Erik Evrén, Media Relations, + 46 8 614 8611
Jens Bekke, Media Relations, + 45 3333 3968