Investor Presentaiton

36 36 Group funding profile Jun 30, 2018 • Demand deposits, time deposits and certificates of deposits from core private customers and their companies are the main funding sources • Strong capitalization • Covered bonds are the main long term funding instrument 25% 4% 5% 1% 3% 2% ■Deposits 60% Covered Bonds 25 % Senior unsecured 2% Central banks 3% 60% Financial institutions 5% Subordinated 1% ■Own capital 4% ALANDSBANKEN

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