Fourth-quarter Financial Highlights 2023

Net interest income Stable volumes, improved margins Year-over-year bridge, EURM 6 +19% 24 128 1,946 · 159 170 401 1,641 3 Q422 Volumes Margins Deposit Treasury- Other hedge related FX Q423 items Quarter-over-quarter bridge, EURm +2% 1,946 1 1 44 1,909 20 22 5 Q323 Volumes Margins Deposit Treasury- Other hedge related items FX Q423 - Net interest income up 19% Continued growth in corporate lending Corporate lending up 1% Mortgage volumes stable Net interest margin 1.83%, up 38bp - Lending margins down, especially in households - Further increases in deposit margins across business areas Nordea

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