Investor Presentaiton

Opportunities for growth in a dynamic business climate ● Operating in an attractive market With a unique position And a track record of delivering 3 Dynamic business climate Iceland is among the top 15 most educated countries in the world Strong culture of innovation and economic engagement Top 3 on the Human Development Index 3rd in digital sales to customers in Europe Over 95% of people use digital IDs, among the highest in Europe 4th in digital public services and 1st in eDocuments in Europe Opportunities for growth Record growth of the Icelandic population in 2022, growing by 3.1% We are positioning ourselves to capitalize on substantial growth opportunities within our target client segments Arctic region presents significant long-term opportunities 1.3% 0.6% 3.1% Europe Nordics Iceland Premia client segment Revenue 2023 Bancassurance YE2023 +34% ~40% of farmed salmon and related species One third of rare earth metals and materials Customers 2023 +11% Plenty of sustainable energy resources ~12% of fish caught in the world are in the North Atlantic Ocean 40% Opportunities to develop further as a tourist destination ~10% of total aluminum production Source: Iceland Chamber of Commerce, UNDP, Statistics Iceland, European Commission, Government of Iceland, Eurostat, International-Aluminium, FAO, Financial Times

View entire presentation