Fourth-quarter and full-year results 2023

Nordea Bank AbpFinancial Statement Release5 February 2024 at 7:30 EET Summary of the quarter Continued high-quality income growth. Total income was up 1% despite continued negative foreign exchange effects. The growth was driven by a 19% increase in net interest income as net interest margins continued to improve. Net fee and commission income decreased by 3% year on year and net insurance result was 15% lower. Net fair value result was very low following a strong quarter last year. Excluding regulatory fees and EUR 177m in write-offs of intangible assets, underlying costs