Investor Presentaiton

Q4 2020: "Ending the year in style" • Net operating profit, EUR 12.3 M (9.1 M), +35 % • ROE 13.6 % (11.4 %) . • Earnings per share, EUR 0.63 (0.46), +35 % CET1 ratio increased to 14.3 % (13.4 %) 21 Future outlook: Net operating profit in 2021 is expected to be at about the same level as in 2020. There is some uncertainty about the Bank's current forecast due to concerns about economic developments in a number of important markets ÀLANDSBANKEN

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