Investor Presentaiton

17 2018: Unchanged earnings, lower expenses Total income, EUR M 128.0 2.8 1.3 2.1 0.6 1.4 0.8 2017 FX EURSEK Net interest income Net commission income Net income from financial items IT income Others 2018 Total Expenses, EUR M 0.2 1.3 1.7 1.5 2.4 1.5 0.4 127.6 99.8 2017 Stability fee FX EURSEK Severance pay Capitalization of costs Impairment losses IT costs Staff costs Others YoY Tot. income change: 0% +2% without FX-effect YoY Tot. Expenses change -2% 0% without FX-effect 97.8 2018 ÀLANDSBANKEN

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