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Investor Presentaiton

0,10% 0,08% 0,06% 0,04% 0,02% 0,00% -0,02% 5 Performance of housing loan portfolio - Nordea Bank Finland Q3 2016 • • Low level of loan losses supported by strong household sector Impaired non-performing loans are at low levels Net loan losses % for Nordea Bank Finland's housing loan portfolio 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 Q1 2015 Q2 2015 Q3 2015 Q4 2016 Q1 2016 Q2 2016 Q3 EURM 35 000 30 000 25 000 20 000 15 000 10 000 5 000 0 Nordea Bank Finland's housing loan stock and level of impaired non-performing loans* 4,00% 3,50% 3,00% 2,50% - 2,00% - 1,50% 1,00% 0,50% 0,00% 2005 2006 2007 2008 Lending (EURm) (LHS) 2009 2010 Non-performing loans (RHS) *The majority of the increase in Q4-2015 is model driven and is related to an improved way of calculating collectively assessed provisions on contract level, implemented in Q4-2015 2011 2012 2013 2014 2015 Q1 2015 Q2 2015 Q3 2015 Q4 2016 Q1 2016 Q2 2016 Q3 Nordea
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