Investor Presentaiton

31 Net Operating Profit 2020, % Ålandsbanken 20 20 Handelsbanken 8 Nordea -12 Swedbank Adjusted for large non-recurring items, e g fines (Swedbank and SEB 2020) SEB DNB Aktia -15 -16 -24 -27 -54 Danske ÀLANDSBANKEN

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