Nordea Kredit Performance Update

Credit portfolio Well diversified with strong credit quality Portfolio well diversified across countries and segments No major industry sector concentration 0.1% Air transportation Mining & supporting activities Oil, gas & offshore 44% 48% EUR 329bn Corporates 8% Consumer Mortgages 0.1% 0.2% 0.7% Accomodation & leisure 0.7% Materials 0.7% Media & entertainment 0.8% Consumer durables 0.9% Land transportation 1.3% Capital goods 1.5% Retail trade 2.0% Maritime 2.1% 2.6% 3.0% 5.9% 7.4% 7.8% 14.0% 48.1% Wholesale trade Agriculture Construction Residential real estate Commercial real estate Consumer lending Other corporates Mortgages Nordic societies have well-structured social safety nets, strong fiscal positions and effective legal systems Lending by country 16 21% 24% + 22% + 32% 1% Nordea

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