Investor Presentaiton

Liquidity Reserve 25 • • Very high quality in liquidity reserves • The most liquid and tradable assets LCR and NSFR targets reached Key metrics Liquidity reserve Composition of the Liquidity Reserve June 30, 2021 19 % Coordinated cash pools between Finland and Sweden of total assets 3% ■Cash and central banks Conservative approach to market risk within liquidity reserves Assets with short duration Liquidity portfolio 26% EUR 1,166 M ■ Governments and official institutions . Well diversified counterparty risk profile 0-% ■Financial institutions LCR 64 % 7% 152 % ■ Covered bonds NSFR 110 % ■ Deposits ÀLANDSBANKEN

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