Investor Presentaiton

29 Key financial indicators - annual Return on equity (%) 10.5 6.6 3.7 0.6 Cost-to-income ratio (%) Net interest margin (%) 69.2 56.0 56.9 56.0 3.1 48.9 2.9 2.8 2.8 2.8 (4.6) 2016 2017 2018 2019 Q1 2020 2016 2017 2018 2019 Q1 2020 2016 2017 2018 2019 Q1 2020 CPI imbalance (ISK billion) 132.9 116.0 100.5 88.9 81.7 Operating income / REA (%) 7.3 6.1 5.8 6.4 5.0 Risk weighted assets / Total assets (%) 72.7 66.8 68.4 66.5 60.0 2016 2017 2018 2019 Q1 2020 2016 2017 2018 2019 Q1 2020 2016 2017 2018 2019 Q1 2020 *

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