Key financials Second-quarter results 2023 Income statement and key ratios Q223 Q222 Q2/Q2 Q123 Q2/Q1 EURm Net interest income 1,831 1,308 40 % 1,765 4 % Net fee and commission income 751 797 -6 % 765 -2% Net insurance result 68 53 2 8 % 46 48 % Net fair value result 2 90 2 54 14 % 345 -16 % Other income 15 16 0 Total operating income 2,955 2,428 22% 2,921 1% Total operating expenses excl. regulatory fees -1,184 -1,105 7 % -1,167 1 % Total operating expenses -1,2 05 -1,12 2 7 % -1,42 2 -15 % Profit before loan losses 1,750 1,306 34% 1,499 17% Net loan losses and similar net result -32 56 -19 Operating profit 1,718 1,362 26% 1,480 16% Cost-to-income ratio excl. regulatory fees,% 40.1 45.5 39.9 Cost-to-income ratio*,% 42 .8 48.8 42 .7 Return on equity*,% 18.4 13.6 17.1 Diluted earnings per share, EUR 0.37 0.2 8 32% 0.31 19 % * With amortised resolution fees