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Investor Presentaiton

SME and Midcap Financing • Finnvera's mandate is to support the Finnish SME sector with focus on start-ups and growth companies Credit and guarantee losses in SME and midcap financing annually amount to about 2-4% of total exposure The State compensates 50%* of Finnvera's losses from domestic operations so that Finnvera can take greater risks than those taken by commercial financial institutions 2 Exposure EUR billion ■Guarantees ■Loans and receivables *The State compensation temporarily increased to 80% due to the pandemic. 2015 2016 2017 2018 2019 2020 FINNVERA

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