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Nordea Pankki Suomi Oyj: Nordea Bank Finland Plc: Half-year financial report January-June 2016

The half-year financial 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 half-year
financial report is available at

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 half-year report covers the operations of the legal entity
Nordea Bank Finland Plc and its subsidiaries in Finland and 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 half-year report of the Nordea Group.

Summary of the first half of 2016

· The operating profit of Nordea Bank Finland Group decreased to EUR

· Net interest income decreased 17% mainly due to the resolution fee
for the whole year 2016 included in January-June net interest income

· Total operating income was down 28% to EUR 1,002m
· Total expenses increased 4% to EUR 500m
· Net loan losses were on a low level and amounted to EUR 8m
· Loans to the public excluding repurchase agreements were stable

Summary key figures Jan-Jun Jan-Jun Change Full year
2016 2015 % 2015
Net interest income, 435 526 -17 1,052
Total operating 1,002 1,389 -28 2,485
income, EURm
Profit before loan 502 909 -45 1,494
losses, EURm
Net loan losses, -8 -55 -85 -92
Operating profit, 494 854 -42 1,402
Loan loss ratio, 2 10 9
annualised, bps
Return on equity, % 6.7 13.5 9.6
Tier 1 capital 19.1 14.5 19.3
ratio, incl Basel I
floor, %
Total capital ratio, 20.2 15.6 20.3
incl Basel I floor, %
Number of employees 6,722 6,615 2 6,595
(full time

In Helsinki 20 July 2016

Nordea Bank Finland Plc

Board of Directors

Additional information:
Juha Vuopio, Chief Financial Officer + 358 50 303 9168
Kati Tommiska, Head of Communications, Finland + 358 50 382 1391


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