Investor Presentaiton

Total exposure, export credit guarantees and special guarantees 31 Dec 2019 EUR 25.3 BILLION, INCLUDING COMMITMENTS AND BINDING OFFERS. Cruise shipping EUR 13.8 bn (54%) Telecommunications EUR 4.1 bn (16%) EUR 12.6 bn (50%) North America Finnvera had exposure in over 90 countries on 31 Dec 2019 FINNVERA'S LARGEST INDIVIDUAL FINANCING PROJECT IN CRUISE SHIPPING WAS IN THE UNITED STATES. Pulp and paper EUR 2.9 bn (11%) Others* EUR 2.5 bn (10%) Other industries EUR 1.1 bn (4%) Energy EUR 0.7 bn (3%) Mining and metals EUR 0.3 bn (1%) *Including other risks such as sovereign risks related to states and bank risks. EUR 6.0 bn (24%) EU countries EXPOSURE BY COUNTRY CLASSIFICATION 31 DEC 2019, EUR BILLION 77% 1% 7% 1% 5% 5% 5% 0% C EUR 1.8 bn (7%) Other Europe EUR 1.4 bn (6%) Asia 0 Advanced economy • 1 Very low risks 2 Low risks • 3 Relatively low risks 4 Intermediate risks • 5 Relatively high risks • 6 High risks ⚫7 Very high risks EUR 0.8 bn (3%) Middle East and North Africa ET MORE THAN 70% OF FINNVERA'S PULP-AND PAPER-RELATED EXPOSURE IS IN LATIN AMERICA. THE BIGGEST COUNTRIES OF EXPOSURE ARE BRAZIL, CHILE AND URUGUAY. 19 EUR 2.6 bn (10%) South and Central America EUR 0.1 bn (1%) Sub-Saharan Africa THE BIGGEST COUNTRY EXPOSURES ON 31.12.2019, EUR BILLION 12 10 8 6 4 2 0 Fintand Germany United States Russia Brazi Chile Spain Indonesia • Commitments, EUR billion ⚫Offers, EUR billion Turkey Saudi-Arabia FINNVERA

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