Fourth-quarter Financial Highlights 2023

Technology and risk management investments Continued additional investments Full-year 2023 additional investments, EURM 10 ~100 ~75 ~240 ~40 ~25 Financial crime prevention Business continuity & crisis mgmt. & security Data privacy & data governance Enhanced digital capabilities Total additional tech & risk mgmt. investments • • • Financial crime prevention - Transaction monitoring, sanctions screening & KYC - Increased efficiency through technology and automation Business continuity & crisis mgmt. - Cybercrime prevention. - Increased server stability - Improved failover capabilities Data privacy & data governance - Automation of GDPR processes Enhanced technology investments to further strengthen digital capabilities Nordea

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