Nordea Kredit Performance Update

Key financials Second-quarter results 2022 Income statement and key ratios Q222 Q221 Q2/Q2 Q122* Q2/Q1 EURM Net interest income 1,308 1,232 6% 1,308 0% Net fee and commission income 838 878 -5% 870 -4% Net fair value result 282 278 1% 295 -4% Other income 16 30 17 Total operating income 2,444 2,418 1% 2,490 -2% Total operating expenses excl. regulatory fees -1,122 -1,131 -1% -1,116 1% Total operating expenses -1,139 -1,131 1% -1,388 -18% Profit before loan losses 1,305 1,287 1% 1,102 18% Net loan losses and similar net result 56 51 12 Operating profit 1,361 1,338 2% 1,114 22% Cost-to-income ratio excl. regulatory fees, % 45.9 46.8 44.8 Cost-to-income ratio**, % 49.2 49.1 48.0 Return on equity**, % 13.3 11.4 12.5 Diluted earnings per share, EUR 0.28 0.25 12% 0.22 27% 7 Excluding IAC; see page 5 in half-year 2022 interim report for details Nordea **With amortised resolution fees

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