Nordea Kredit Performance Update

Costs Underlying costs stable Year-over-year bridge, EURm 11 1,131 +1% 8 1,139 17 Q221 Underlying costs Regulatory fees FX Q222 Quarter-over-quarter bridge, EURm -18% 8 1,388 256 1,139 • Costs up 1% from Swedish bank tax - Costs excluding regulatory fees down 1% Q122 Underlying costs Regulatory fees FX Q222 Nordea

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