Investor Presentaiton

Higher Income and Expenses • Total income rose by 14% to EUR 84.6 M. Higher net commission income was the main reason • Total expenses increased by 13 % to EUR 59.7 M. Higher staff costs and IT expenses were the main reasons Higher Income EUR M Higher Expenses EUR M 19 74.2 1.2 2020 Net interest income 2.7 1.1 1.7 5.9 84.6 53.0 5.3 -0.2 0.3 0.3 1.1 2.9 59.7 Net commission Net income from income financial items at fair value IT income Other income 2021 2020 Staff IT Stability fee Travel and Depreciation/ Others representation amortisation 2021 ÀLANDSBANKEN

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