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Investor Presentaiton

34 • • Geographical Distribution of Mortgage Lending • Clear concentration to the wealthiest parts of Finland and Sweden As of June 30, 2020 approximately • • 70% of the loan portfolio in Finland 30% of the loan portfolio in Sweden According to the business plan growth in the coming years will be mainly in Sweden Gothenburg 12% Malmö 10 % Vaasa 3 % Stockholm 73% Tampere 12% Åland Islands 20% Turku 15% Helsinki 46 % ALANDSBANKEN

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