Investor Presentaiton

Three Markets - Two Strategies The Åland Islands • 2 offices, market share > 50 % 8 • Full product range offered • A bank for everyone Finland • . Sweden • • 6 offices in affluent parts of Finland, market share > 1% Full product range offered but "bread and butter" services only as complement to Private Banking and Premium Banking services offering Targeted segment: High Net Worth / Affluent Individuals and their companies 3 offices in Sweden's largest cities, market share < 1% Full product range offered but "bread and butter" services only as complement to Private Banking and Premium Banking services offering Targeted segment: High Net Worth / Affluent Individuals and their companies Vaasa Oulu Tampere Turku Parainen Helsinki Aland Islands Stockholm Gothenburg Malmö ÀLANDSBANKEN

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