NORD/LB Group Presentation

News from the business segments SCPO (Special Credit and Portfolio Optimization): Portfolios further reduced SCPO-Reduction portfolios 1,2 100% 18% 4% 59% 1 Jan - in €m¹ as at 30 Sep 2023 Exposure at Default €3.5bn 30 Sep 2023 Revenues Expenses Result² Risk provisions - 7 15 Earnings before taxes 1 Jan - 30 Sep 2022 - 24 - 22 - 44 213 - 31 $55 29 264 ■ Ships 19% Housing ■ Supra-regional municipal financing Corporate and agricultural customers ■ Since the end of 2020, the reduction portfolio has been managed in the Special Credit and Portfolio Optimization (SCPO) unit. Since then, the exposure has been reduced from € 9 billion to around € 3.5 billion as at 30 September 2023 ■ The shipping portfolio has been almost completely reduced. At the end of September 2023, it totals € 129 million ■ In addition non-core loans from housing (€0.6 billion as at 30 September 2023 / € 2.7 billion as at 31 December 2020) and supra- regional municipal financing (€ 2.1 billion / € 2.5 billion) as well as non- strategic parts of corporate and agricultural customers (€ 0.6 billion / € 2.2 billion) were further reduced as planned 1 Slight deviations may occur due to rounding 2 Result before restructuring, reorganisation and taxes 3 Includes negative imputed valuation effects (approx. € -20.9 million) in connection with the guarantee from the state of Lower Saxony and guarantee fees 4 Includes negative imputed valuation effects (approx. € -34.9 million) in connection with the guarantee from the state of Lower Saxony and guarantee fees Finanzgruppe 36 NORD/LB

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