Investor Presentaiton

Geographical distribution of mortgage lending • • • Clear concentration to the wealthiest parts of Finland and Sweden As of Jun 30, 2018 approximately • • 70% of the loan portfolio in Finland 30% of the loan portfolio in Sweden According to the business plan growth in the coming years will be mainly in Sweden 34 =4 Gothenburg 12% Vaasa 3 % Stockholm 70% Tampere 13% Åland Islands 19 % Helsinki 47 % Turku 14 % Malmö 13% ALANDSBANKEN

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