Covered Bond Framework Q1 2021

Cover pool key characteristics Q1 2021 Cover pool summary Pool notional 7 EUR 23.2bn Outstanding Covered Bonds EUR 21.0bn Cover pool content Geographic distribution Asset distribution Weighted average LTV* Average loan size* Over collateralisation, OC Rate type** Amortisation** Substitute assets Pool type Loans originated by Mortgage loans secured by residential property. Loans guaranteed by public sector Throughout Finland with concentration in urban areas 99.5% residential, 0.5% public sector 51.0% (indexed, calculated per property) EUR 71.1k 10% Fixed rate 1.3%, Floating rate 98.7% Bullet/ interest only 5.5%, Amortising 94.5% None Dynamic Nordea Bank Abp (as of 1 October 2018) * Residential ** Excluding Public sector Nordea

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