Fourth-quarter Financial Highlights 2023

Net fee and commission income Stable underlying income, negative FX effects Year-over-year bridge, EURM -3% 7 24 785 1 17 2 23 763 Q422 Asset mgmt. Brok. & advisory Pay. & cards Lending Other FX Q423 Quarter-over-quarter bridge, EURm 7 +3% 763 4 0 21 742 Q323 Asset mgmt. Brok. & advisory Pay. & cards Lending Other FX Q423 • Net fee and commission income down 3% • • • - Savings fee income impacted by lower average assets under management Net flows from internal channels EUR 1.9bn Brokerage and advisory fee income up due to higher customer activity Lower lending fee income in subdued market Nordea

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