Investor Presentaiton

Strong financial and risk profile 9 Diverse income mix Operating income 2023 Corporate & Investment Banking (incl. insurance) 10% Markets (incl. Stefnir) 41% ISK 64.2bn 40% Retail Banking (incl. insurance) Other 9% Diverse loan book Loans to customers YE 2023 Corporate ISK 1,153bn 47% 5% 48% Mortgages Operating in an attractive market • With a unique position And a track record of delivering CET1 19.7% Leverage ratio 12.4% LCR 192% Individuals other Problem loans 1.7%

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