Investor Presentaiton

Liquidity Reserve Key metrics Very high quality in liquidity reserves The most liquid and tradable assets • LCR and NSFR targets reached Coordinated cash pools between Finland and Sweden Conservative approach to market risk within liquidity reserves Composition of the Liquidity Reserve March 31, 2023 Liquidity reserve 19% of total assets ■Cash and central banks 0% 22% 30% ■Governments and official institutions ■Financial institutions Liquidity portfolio EUR 1,109 M 2% ■ Covered bonds • Assets with short duration • Well diversified counterparty risk profile LCR 156 % 31 ÅLANDSBANKEN NSFR 109% 46% ■Deposits Going our own way

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