Investor Presentaiton

Stage 3 Credits 2018-2020 38 EUR M 60 50 40 0.93 0.85 0.81 0.81 1.30 0.89 toondoli 20 0.46 0.69 0.57 0.49 0.51 0.52 1.4 1.2 1.0 0.8 30 0.6 0.4 10 0.2 0 0.0 Q1 2018 Q2 2018 Q3 2018 Q4 2018 Q1 2019 Q2 2019 Q3 2019 Q4 2019 Q1 2020 Q2 2020 Q3 2020 Q4 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. % ÀLANDSBANKEN

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