Investor Presentaiton

Loans in arrears 2016 - 2018 60 60 50 50 40 40 EUR M 50 30 0.97 20 20 1.23 0.85 0.74 0.70 0.60 0.57 0.46 0.42 1.60 1.20 0.69 0.80 0.57 0.49 0.40 ÀLANDSBANKEN 0 0.00 Q1 Q2 Q3 2016 2016 Q4 Q1 2016 2016 2017 Q2 2017 Q3 2017 Q4 2017 Q1 Q2 Q3 Q4 2018 2018 2018 2018 Stage 3 credits Data for Q1 2016 - Q3 2017: loans in arrears > 90 days -Share of Stage 3 credits of total lending 10 31

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