Investor Presentaiton

Group Funding Profile June 30, 2021 • Demand deposits and time deposits from core private customers and their companies are the main funding sources . Covered Bonds are the main long-term funding instrument • Loans from central banks have grown during the time of Covid-19: 2 % -> 10 % • Strong capitalization 38 3% 0% 5% 10 % 4 % 15% Deposits Covered Bonds Short term banks Subordinated Senior unsecured Central banks Own capital 63 % ÀLANDSBANKEN

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