Investor Presentaiton

Cover pool key characteristics - 93.3% single family housing with low LTVs Q2 2016 Cover pool balance by loan category 100% Public sector 1,0% Multi-family Summer houses 2,5% housing 5,7% Tenant owner units 46,3% 90% 80% Single family houses 44,5% 70% 60% 50% 40% Cover pool balance by geographical area 30% Greater Helsinki area 41.6% Nordea North/Middle Finland 17.4% 20% West Finland 18.4% 10% South Finland 22.6% Weighted Average LTV - Indexed 0% Single family houses Tenant owner units Multi-family houses Pool mainly includes single family houses and tenant owner units. The main part of real estates are located in greater Helsinki but are otherwise evenly distributed between western, northern and southern part of Finland. Low WALTVs in the pool 4.

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