Investor Presentaiton

Geographical Distribution of Mortgage Lending . . Clear concentration to the wealthiest parts of Finland and Sweden As of June 30, 2021 approximately 58% of the loan portfolio in Finland 42% of the loan portfolio in Sweden 20% of mortgage lending in Sweden is distributed by ICA Bank According to the business plan growth in the coming years will be mainly in Sweden 35 Gothenburg 13 % Vaasa 3% Stockholm 68 % Tampere 13% Malmö 15 % +4% in other parts of Sweden * Åland Islands 21 % Turku 15% Helsinki 44 % +4% in other parts of Finland Geographical distribution according to SW and Fl cover pools ÀLANDSBANKEN

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