Investor Presentaiton

Three Markets - Two Strategies The Åland Islands • Finland 3 offices + 2 rep offices, market share 55-60 % Full product range offered A bank for everyone 5 offices in affluent parts of Finland, market share 1-2% Sweden • Full product range offered but "bread and butter" services only as complement to Private Banking and Premium Banking services offering Targeted segment: High Net Worth / Affluent Individuals and their companies 3 offices in Sweden's largest cities, market share < 1% Full product range offered but "bread and butter" services only as complement to Private Banking and Premium Banking services offering Targeted segment: High Net Worth / Affluent Individuals and their companies Gothenburg 6 Malmö Vaasa Tampere Turku Parainen Helsinki Åland Islands Stockholm ÀLANDSBANKEN

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