Investor Presentaiton

5 Scorecard June 30, 2020 Capital • . • Strong capital position Common Equity Tier 1 capital ratio 14.5% IRB method for credit risk capital requirement not yet approved for the Swedish credit portfolio Liquidity and Funding . • Core funding ratio of 95 % Liquidity reserve at 18 % of total assets • LCR at 142 % • NSFR at 114 % • AAA rating with a stable outlook on Covered Bonds Risk Management Long history of having the lowest loan loss level of all Finnish banks. Loan loss level was 0.08% in Q2 2020 and 0.22 % in H1 2020 • No trading positions or complex financial instruments Strict limits on exposures to financial institutions. Bulk of the exposure is to highly rated Nordic entities Profitability • Challenging interest rate environment Positive earnings trend . • Net operating profit of EUR 9.8 M in Q2 2020 and EUR 16.7 M in H1 2020 Return on equity 11.8 % in Q2 2020 and 10.1 % in H1 2020 ALANDSBANKEN

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