Investor Presentaiton

Liquidity Position Very high quality in liquidity reserves • The most liquid and tradable assets • LCR and NSFR targets reached • Conservative approach to market risk within liquidity reserves Assets with short duration Well diversified counterparty risk profile • LCR 152 % as of June 30, 2021 ' • Coordinated cash pools between Finland and Sweden • NSFR 110 % as of June 30, 2021 41 Composition of the liquidity reserve 30.6.2021 30.6.2021 31.12.2020 31.12.2020 EUR M of total EUR M of total Cash and central banks Bonds issued by governments and official institutions 749 63 % 665 57 % 86 7% 140 12 % Bonds issued by financial institutions Bonds issued by companies 4 0% 4 0 % 11 1 % 6 1 % Covered bonds Deposits 300 25 % 334 28 % 31 3% 26 2% 1,181 100 % 1,175 100 % ÀLANDSBANKEN

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