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Private: Private Netbank DK Private Netbank FI Private Netbank NO Private Netbank SE Corporate: Corporate Netbank CLS Web Services Custody Portals e-Markets Private equity Trade Finance DK Trade Finance FI Trade Finance NO Trade Finance SE NIMS portal	Privat: Netbank Netbank Unge Konto-kik Online Investering Netpension Erhverv: Netbank Konto-kik e-Markets Corporate Netbank Trade Finance e-factoring NIMS portal	Henkilöasiakas: Verkkopankki Tekstiversio Mobiiliverkkopankki e-Markets Private Equity Net Yritysasiakas: Yrityspalvelut NBMC verkkopalvelu NIMS portal e-Markets Tekstiversio Yrityksen verkkopankki Trade Finance Custody Portal CLS Web services	Privat: Nettbank Privat e-Markets Bedrift: CLS Web Services Custody Portal e-Markets Investortjenester Kortaccept Logg inn bedrift - velg tjeneste Nordea Finans Nordea Liv Private Equity VPS Foretakstjenester	Privat: Internetbanken Privat eKontoutdrag e-Markets ePlusGiro Företag: Internetbanken Företag Corporate Netbank e-Markets eRedovisning Företagstjänster via Internet Girolink GiroVision KoncernValutakonto NIMS portal

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Head office	Denmark	Finland	Norway
Nordea Bank Sverige	Nordea Bank Danmark	Nordea Bank Finland	Nordea Bank Norge
Smålandsgatan 17	Christiansbro, Strandgade 3	Aleksanterinkatu 36 B	Middelthunsgt. 17
SE-105 71 Stockholm	PO Box 850	Helsinki	PO Box 1166 Sentrum
Telephone: +46 8 614 7000	DK-0900 Copenhagen C	FI-00020 Nordea	NO-0368 Oslo
Other Swedish contacts	Telephone: +45 33 33 33 33	Telephone: +358 9 1651	Telephone: +47 22 48 50 00
	Other Danish contacts	Other Finland contacts	Other Norway contacts

Rating actions 2004

Rating actions
Date	Title
09.11.2004 \|	Standard & Poor’s changed its outlook to positive from stable on Nordea Bank AB and its related entities Nordea Bank Finland, Nordea Bank Norge and Nordea Bank Danmark.
19.10.2004 \|	Standard & Poor’s assigned its AAA long-term credit rating to the Danish covered bonds (“Realkreditobligationer”) issued by Nordea Kredit.
02.03.2004 \|	Fitch assigned ratings to Nordea Bank AB and withdrew Nordea Bank Sweden’s ratings.
01.03.2004 \|	Moody’s and Standard & Poor’s assigned ratings to Nordea Bank AB and withdrew the ratings on Nordea Bank Sweden.