Investor Presentaiton

Liquidity Position Very high quality in liquidity reserves The most liquid and tradable assets LCR target reached 40 40 Coordinated cash pools between Finland and Sweden Cash and central banks Conservative approach to market risk within liquidity reserves • Assets with short duration Well diversified counterparty risk profile • LCR 142 % as of June 30, 2020 NSFR 114 % as of June 30, 2020 Composition of the liquidity reserve Bonds issued by governments and official instituti Bonds issued by financial institutions Covered bonds Deposits 30.6.2020 30.6.2020 31.12.2019 31.12.2019 EUR M of total EUR M of total 667 65 % 490 43 % 71 7% 83 7% 0 0% 42 4% 270 26 % 495 44% 20 2% 20 2% 1028 100 % 1129 100 % ALANDSBANKEN

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