Investor Presentaiton

Non-performing exposure Non-performing exposure % of total exposure 3% 2% 1% 0% 2016 2017 2018 ■Large corporates ■SMEs and midcaps 2019 In the beginning of 2018 the compensation for credit and guarantee losses from the State was decreased and harmonised to 50 per cent in SME and midcap financing. In SME and midcap financing non- performing exposure has in recent years been under 3 per cent of total exposure when the compensation for credit and guarantee losses is taken into account. In Large Corporates' operations non- performing exposure has been under 1 per cent of total exposure in recent years. FINNVERA

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