Investor Presentaiton

H1 2018: Higher earnings, lower expenses 63,5 0,9 0,4 1,3 1,5 3.0 0,8 65,4 50,2 0.4 1,0 1,1 0,6 1,2 1,0 0,5 49,8 2017H1 FX: EUR/SEK Net interest income Net provision Net income from IT income income financial items Others 2018 HT 2017H1 FX: EUR/SEK Deferred charges Resolution Impairment Staff costs fund losses IT costs Others 2018 H1 20 20 Earnings +3 % Expenses -1 % ALANDSBANKEN

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