Nordea is a universal Nordic bank which generates most of its income (63%) through vanilla lending products such as mortgages, household loans and corporate loans. The bank is also a leading equity and debt underwriter and issuer specialized in the Nordics, generating roughly a tenth of the group's income. Nordea also offers life and pension, savings and asset management, as well as private banking services to high net-worth individuals. It operates primarily in Sweden, Denmark, Finland, and Norway.