Housing Market and Credit Assessment

Asset quality Arrears (owner occupied dwellings and holiday homes) * Loan to value (LTV) weighted average (all loans) 63% 0,5% 0,4% 61% 59% 58.4% 57% 0,3% 55% All mortgage banks (including Nordea Kredit) 0.13% (last 0.14%) 0,2% 0,1% 0,0% Q1 2018 Q2 2018 Q3 2018 Q4 2018 13 * Arrears as a percentage of the Q4, 2021 scheduled payments - 3½ months after due date Q1 2019 Q2 2019 Q3 2019 Q4 2019 Q1 2020 Q2 2020 Q3 2020 Q4 2020 Q1 2021 Nordea Kredit 0.10% (last 0.10%) Q2 2021 Q3 2021 Q4 2021 Q1 2022 53% 51% 49% 47% 56.8% 53.2% 53.0% 51.5% 48.9% 45% Q4 2019 Q4 2020 Q2 2021 Q3 2021 Q4 2021 Q1 2022 Nordea

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