Investor Presentaiton

13 Scorecard Capital • • S&P rating uplift for strong capital position Common Equity Tier 1 capital ratio 12.8 per cent as of Jun 30, 2018 • IRB method for credit risk capital requirement not yet approved for the Swedish credit portfolio . Risk Management • Long history of having the lowest loan loss level of all Finnish banks. Loan loss level was 0.05 per cent Q2 2018. No trading positions or complex financial instruments Strict limits on exposures to financial institutions. Bulk of the exposure is to highly rated Nordic entities • Liquidity and Funding Core funding ratio of 90 per cent as of Jun 30, 2018 Liquidity reserve at 19 per cent of total assets as of Jun 30, 2018 LCR at 135 per cent as of Jun 30, 2018 NSFR at 107 per cent as of Jun 30, 2018 AAA rating on covered bonds • Profitability Challenging interest rate environment Positive earnings trend Net operating profit of EUR 7.5 M Q2 2018 Return on equity 10.2 per cent Q2 2018 ALANDSBANKEN

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