16.07.2015 14:38:00

Nordea Pankki Suomi Oyj: Nordea Bank Finland Plc: Interim Report January-June 2015

Regulatory News:

The interim report of Nordea Bank Finland Plc (HEX:NDA1V) has been published. Only information having material influence on the value of securities is included in the press release. The full interim report is available at www.nordea.com (http://www.nordea.com/) (Investor Relations/Reports and Presentations).

http://www.nordea.com/Images/33-68982/Interim%20report%20second%20quarter%202015.pdf

Nordea Bank Finland Plc is a wholly owned subsidiary of Nordea Bank AB (publ), the listed parent company of the whole Nordea Group. This statutory interim report covers the operations of the legal entity Nordea Bank Finland Plc and its subsidiaries inFinlandand abroad.

The business operations of the Nordea Group have been organised in three main business areas, with full responsibility for their value chains: Retail Banking, Wholesale Banking and Wealth Management. The consolidated interim report of Nordea Bank AB (publ) embraces all the activities of the Nordea Group and provides the most complete and fair view. The Finnish Asset Management & Life operations are included in the interim report of the Nordea Group.

Summary of the first half of 2015

· The operating profit of Nordea Bank Finland Group increased to EUR 854m

· Net interest income decreased 11% mainly due to sale of foreign operations

· Total operating income was up 14% to EUR 1,389m

· Total expenses decreased 11% to EUR 480m

· Net loan losses increased somewhat

· Loans to the public excluding repurchase agreements and the transfer of foreign operations increased 2% year-on-year

Summary key figures   Jan-Jun   Jan-Jun   Change   Full year
  2015 2014 % 2014
Net interest income, EURm 527 595 -11 1.189
Total operating income, EURm 1.389 1.219 14 2.278
Profit before loan losses, EURm 909 681 33 1.194
Net loan losses, EURm -55 -49 12 -60
Operating profit, EURm 854 632 35 1.134
Loan loss ratio, annualised, bps 10 9   5
Return on equity, % 13.5 10.8   9.4
Tier 1 capital ratio, incl Basel I floor, % 15.4 13.9   15.1
Total capital ratio, incl Basel I floor, % 15.6 14.0   15.2
Number of employees (full time equivalents) 6.615 6.775 -2 6.653

In Helsinki 16 July 2015

Nordea Bank Finland Plc

Board of Directors

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