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35 55 EUR M 255 Stage 3 Credits 2018-2020 40 30 20 0.46 10 0 0.69 0.57 0.49 9.51 0.52 IT 1.0 0.93 0.85 0.81 0.81 0.8 0.6° 0.4 0.2 0.0 Q1 2018 Q2 2018 Q3 2018 Q4 2018 Q1 2019 Q2 2019 Q3 2019 Q4 2019 Q1 2020 Q2 2020 Stage 3 credits, EUR M Share of Stage 3 credits of total lending, % Exposures in Stage 3 fulfil the Group's default definition, in which an exposure is regarded as in default when a payment related to a significant amount is more than 90 days late. ALANDSBANKEN

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