Investor Presentaiton

47 • Liquidity position Very high quality in liquidity reserves The most liquid and tradable assets ⚫ LCR target reached • • • Coordinated cash pools between Finland and Sweden • Cash and central banks Conservative approach to market risk within liquidity reserves • Assets with short duration • Well diversified counterparty risk profile LCR 120 % as of 31 Dec 2018 NSFR 113 % as of 31 Dec 2018 Composition of the liquidity reserve Bonds issued by governments and official institutions Bonds issued by financial institutions Covered Bonds Deposits 2018 2017 EUR M of total EUR M of total 495.6 41% 523.8 49% 158.1 13% 131.7 12% 23.7 2% 0% 470.5 39% 342.7 32% 47.6 4% 67.4 6% 1,195.5 100% 1,065.6 100% ÀLANDSBANKEN

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