Nordea Kredit Performance Update

12 Nordea 2025: The preferred financial partner in the Nordics | Raising the bar on financial performance Driving best-in-class omnichannel customer experiences and further value creation for shareholders | Well equipped for the future 2025 financial target Return on equity >13% Assumes CET1 requirement of 15-16%, including management buffer Supported in 2025 by Cost-to-income ratio 45-47% Loan losses Normalised ~10bp Capital and dividend policy 60-70% dividend payout ratio; excess capital distributed through buy-backs Management buffer of 150-200bp above regulatory CET1 requirement

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