Nordea Pankki Suomi Oyj - Half Year financial report

Nordea Bank Finland Plc: Interim Report January-June 2013

The interim report of Nordea Bank Finland Plc 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/
Investor Relations/Financial Reports/Local Reports/Local Reports Finland.
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 in Finlandand 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 2013

  · The operating profit of Nordea Bank Finland Group decreased to EUR 557m
  · Total income down 25% to EUR 1,122m
  · Net interest income down 11%
  · Net commissions were EUR -90m mainly due to higher guarantee expenses and
bank tax
  · Total expenses increased slightly to EUR 529m
  · Net loan losses increased somewhat
  · Loans to the public excluding repurchase agreements decreased by 3% year-on
-year

Summary key figures                          Jan-Jun  Jan-Jun  Change  Full year
                                             2013     2012     %       2012
Net interest income, EURm                    566      636      -11     1,258
Total operating income, EURm                 1,122    1,499    -25     2,824
Profit before loan losses, EURm              593      976      -39     1,753
Net loan losses, EURm                        -36      -31      16      -144
Loan loss ratio, annualised, bps             7        6                14
Operating profit, EURm                       557      945      -41     1,609
Return on equity, %                          9.2      12.3             11.3
Tier 1 capital ratio, %                       14.9     13.8            18.0
Total capital ratio, %                        15.7     14.3            18.8
Number of employees (full time equivalents)   8,142   8,407    -100    8,252

In Stockholm 17 July 2013

Nordea Bank Finland Plc

Board of Directors

Nordea Bank Finland Plc, Interim Report January - June
2013 (http://www.nordea.com/Investor+Relations/Financial+reports/Local+reports/Lo
cal+reports+Finland/799542.html)

Additional information:

Tomi Närhinen, Chief Financial Officer
 + 358 9 165 57661

Kati Tommiska, Head of Communications, Finland
+ 358 9 165 42325

Nordea's vision is to be a Great European bank, acknowledged for its people,
creating superior value for customers and shareholders. We are making it
possible for our customers to reach their goals by providing a wide range of
products, services and solutions within banking, asset management and insurance.
Nordea has around 11 million customers, approximately 900 branch office
locations and is among the ten largest universal banks in Europe in terms of
total market capitalisation. The Nordea share is listed on the NASDAQ OMX Nordic
Exchange in Stockholm, Helsinki and Copenhagen.

Attachments:

07178303.pdf