Fourth-quarter Financial Highlights 2023

Supplementary information Nordea today Very well diversified pan-Nordic financial service provider with stable and sustainable returns Income and loan portfolio very well spread across Nordic countries, currencies, business areas and industries* 4% Very well diversified portfolio - no significant industry sector concentration 26 19 Corporate lending 27% 24 % 26% 32% Household lending Operating income Lending 0.1% 0.6% 0.6% 22% 18% 25% 0.7% 21% 0.7% 0.1% Ship building 0.1% Oil, gas & offshore 0.1% Air transportation Mining & supporting activities Materials Accomodation & leisure Animal husbandry IT services 0.7% Media & entertainment 0.9% Land transportation Sweden Finland Norway Denmark Other** **** 0.9% Consumer durables 1.1% | Capital goods 1.4% Shipping 12% 1.4% Retail trade 20%Operating income 4%% 39% 30% 29% REA** 1.9% Residential real estate 2.1% Wholesale trade 2.8% Construction 4.4% 8.0% 15.5% 7.9% 29% Personal Banking FY 2023 30% 47.7% TOAS Commercial real estate Other corporates Consumer lending Mortgages Business Banking Large Corporates & Institutions Asset & Wealth Management Group functions Nordea ** REA: risk exposure amount *** Other income mainly Luxembourg, Poland, United States, United Kingdom and Estonia

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