Investor Presentaiton

Liquidity Position Very high quality in liquidity reserves • The most liquid and tradable assets • LCR target reached • Conservative approach to market risk within liquidity reserves Assets with short duration Well diversified counterparty risk profile • LCR 159 % as of December 31, 2020 • Coordinated cash pools between Finland and Sweden • NSFR 106 % as of December 31, 2020 43 Composition of the liquidity reserve Cash and central banks Bonds issued by governments and official institutions Bonds issued by financial institutions Bonds issued by companies Covered bonds Deposits 31.12.2020 31.12.2020 31.12.2019 31.12.2019 EUR M of total EUR M of total 665 57 % 490 43 % 140 12 % 83 7% 4 0% 42 4 % 6 1% 0 0% 334 28 % 495 44 % 26 2% 20 2% 1175 100 % 1129 100 % ÀLANDSBANKEN

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