Nordea Pankki Suomi Oyj - Half Year financial report

Nordea Bank Finland Plc: Interim Report January-June 2015

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 (http://www.nordea.com/) (Investor Relations/Reports and
Presentations).

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

Additional information:

Satu Vartiainen, acting Chief Financial Officer         + 358 40 7070 866
Kati Tommiska, Head of Communications, Finland  + 358 9 165 42325

Attachments:

NBF Q2 2015 eng.pdf