Investor Presentaiton

2 Highlights of the quarter Covid-19 has had a severe impact on the Icelandic economy and society A The authorities and the health care system have responded extremely well and the pandemic is on the decline in Iceland GDP is expected to contract and unemployment will increase despite strong economic stimulus from both the Central Bank and the Government Arion Bank is supporting its customers, both corporate and individuals Core trends positive in the Bank's operations but Covid-19 has a fundamental effect on results The Bank with its very strong capital and liquidity, is well equipped to support its customers and the economy as a whole

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