Company Profile For Nordea Bank AB

Nordea Bank AB (the Bank) is a Sweden-based financial services group, operational in the Nordic and Baltic Sea regions. Its business organization includes three customer areas: Nordic Banking, Private Banking, as well as Institutional and International Banking. The Bank has two principal product areas, comprising Banking Products, as well as Capital Markets and Savings. Nordea Bank operates through approximately 1,400 bank branch offices, as well as call centers and an online banking facility. Its main offerings encompass cash management services, corporate finance, custody services for foreign investors dealing in Nordic or Baltic securities, export finance solutions, project finance solutions, trade finance services, investment management, life insurance, pension schemes and products, private banking services, investment funds, online trading services and international banking services. The Bank is present in Denmark, Finland, Norway, Sweden, Russia, Poland and the Baltic countries.

BRIEF: For the nine months ended 30 September 2009, Nordea Bank AB's total interest income decreased 29% to EUR8.58B. Net interest income after loan loss provisions decreased 20% to EUR2.84B. Net income decreased 8% to EUR1.87B. Total interest income reflects a decrease in interest rates. Net income was partially offset by an increase in commission expenses and lower commission income as well as increased personnel expenses.