Investor Presentaiton

43 • Group funding profile Dec 31, 2018 Demand deposits, time deposits and certificates of deposits from core private customers and their companies are the main funding sources • Strong capitalization • Covered Bonds are the main long term funding instrument 21 % 2 % 4 %1%5% 6 % 61 % Deposits Covered Bonds Senior unsecured TLTRO II Short term banks Subordinated Own capital ÀLANDSBANKEN

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