Investor Presentaiton

Three Markets - Two Strategies The Åland Islands • 3 offices + 2 rep offices, market share > 50 % • Full product range offered Finland A bank for everyone 5 offices in affluent parts of Finland, market share > 1% Full product range offered but "bread and butter" services only as complement to Private Banking and Premium Banking services offering • Targeted segment: High Net Worth / Affluent Individuals and their companies Sweden • • 3 offices in Sweden's largest cities, market share <1% Full product range offered but "bread and butter" services only as complement to Private Banking and Premium Banking services offering Targeted segment: High Net Worth / Affluent Individuals and their companies 8 Vaasa Tampere Turku Parainen Helsinki Åland Islands Stockholm Gothenburg Malmö ÀLANDSBANKEN

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