Financial and Mortgage Portfolio Overview

NFCI rose 18.1% YoY Broad-based fee generation across the business units Highlights Revenues from investment banking and brokerage Net fee and commission income Business segments, ISKm NFCI-comparison 2Q YoY ISKM 3,653 3,427 3,434 and increased revenues increase from currency sales from market making agreements Increased card transaction income and interchange income from cards, both 2,907 170 451 3,064 398 468 544 283 429 YOY + 18.1% 1,317 1,026 1,094 973 1,072 121 (46) 531 521 561 541 518 254 806 1,011 1,111 847 1,067 204 (6) 2Q21 3Q21 4Q21 domestic and foreign. Card 1Q22 2Q22 expenses increased at the same time ■Personal Banking ■Business Banking Corporate & Investment Banking ■ Other ■ Íslandssjóðir NFCI from loans and guarantees rose due to increased fees from guarantees and fees from changes of loan terms Net fee and commission income By type, ISKm 2,907 3,427 3,653 3,434 2,907 444 3,064 289 345 249 585 475 264 647 556 558 820 1,061 672 922 668 663 1,028 702 785 757 769 971 705 787 763 2Q21 3Q21 4Q21 1Q22 2Q22 2Q21 Asset management ■Cards and payment processing ■Investment banking and brokerage Loans and guarantees Asset Investment management banking and brokerage Other fee Cards and Loans and Other fee and payment processing guarantees commission income 3,434 2Q22 7 August-September 2022

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