Investor Presentaiton

• Lending 2014 - 2018 Lending to private individuals has increased from 65% of the credit portfolio in 2014 to 73 % in 2018 29 29 72.0 % 73.0 % 69.7 % 67.5 % 65.1 % 34.9 % 32.5 % 30.3 % 28.0 % 27.0 % 2014 2015 2016 2017 2018 -private individuals -companies ÀLANDSBANKEN

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