/ 27 Nordea Bank | Cost-effective management of wrapper products Background Nordea Bank is the largest financial services group in Northern Europe with a market capitalization of approximately EUR 28 billion, total assets of EUR 709 billion and a core tier 1 capital ratio of 11.8%. Nordea oper- ates in 9 home markets—the Nordic region including Denmark, Finland, Norway and Sweden, and the new European markets of Estonia, Latvia, Lithuania,

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