Investor Presentaiton

Geographical Distribution of Mortgage Lending . . • • Clear concentration to the wealthiest parts of Finland and Sweden As of December 31, 2020 approximately • 58% of the loan portfolio in Finland 42% of the loan portfolio in Sweden 16% of mortgage lending in Sweden is distributed by ICA Bank According to the business plan growth in the coming years will be mainly in Sweden 37 Gothenburg 12% Malmö Vaasa 3% Tampere 13% Stockholm 69% Åland Islands 21 % Turku 16% 16% +3% in other parts of Sweden Helsinki 47 % ÀLANDSBANKEN

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