What is the character of Nordic Baltic Holdings? To start with, it is the leading financial institution in the Nordic area. That in itself has a value because the market leader can to a certain degree set its own terms. It is an operation that is driven very much by customer need. I consider competence as the strongest means of competition. Many banks might say similar things – banks are not that different. Very much of the difference comes in implementation, who is talking and who is doing.
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