NORD/LB Group Presentation

9M2023 Results Transformation on track - strength across key financials Revenues, in €m Net commission income 951 " Net interest income 147 783 112 804 671 9M 2022 9M 2023 Cost-income ratio, in % 101% 69% 9M 2022 9M 2023 Finanzgruppe Positive interest-rate environment boosts net interest income Net commission income benefits from new business and lower expenses for guarantees Earnings before taxes, in €m 31 253 9M 2022 9M 2023 CET-1 ratio, in % 0.6 Cost-income ratio shows sustained improvement thanks to strong revenues 14.6 14.8 20 20 30 Sep 2022 30 Sep 2023 Solid operating business development Gradual decline in transformation expenses Potential of the business model becomes visible reported incl. recognition of 3Q result Capital strengthened through profit retention RWA growth in line with expansion of business activities NORD/LB

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