Finnvera Group Business Review and ESG Strategy

SME and Midcap Financing • Finnvera's mandate is to support the Finnish SME sector with focus on start-ups and growth companies Credit and guarantee losses in SME and midcap financing annually amount to about 2-4% of total exposure The State compensates 50% of Finnvera's losses from domestic operations so that Finnvera can take greater risks than those taken by commercial financial institutions Exposure ■Guarantees Loans and receivables EUR billion 3,5 3,0 2,5 2,0 1,5 1,0 0,5 9 0,0 00 2019 2020 2021 2022 2023 FINNVERA

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