Investor Presentaiton

30 30 • Geographical distribution of mortgage lending • Clear concentration to the wealthiest parts of Finland and Sweden As of Dec 31, 2018 approximately • • 70% of the loan portfolio in Finland 30% of the loan portfolio in Sweden According to the business plan growth in the coming years will be mainly in Sweden Gothenburg 11% Malmö 11% Vaasa 3 % Stockholm 71% Tampere 12% Åland Islands 20% Helsinki 46 % Turku 14 % ÀLANDSBANKEN

View entire presentation