Investor Presentaiton

Scorecard June 30, 2021 5 Capital • Strong capital position CET1 capital ratio 13.4 % IRB method for credit risk capital requirement not yet approved for the Swedish credit portfolio Liquidity and Funding • Loan/ deposit ratio of 119% • Liquidity reserve at 19% of total assets LCR at 152 % . NSFR at 110 % • BBB bank rating with positive outlook Risk Management . Long history of having the lowest loan loss level of all Finnish banks. Loan loss level was 0.05% in Q2 2021 (0.08 % in Q2 2020). EUR 2.0 M Covid-19 provision during 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 AAA rating with a stable outlook on Covered Bonds Profitability • • . • Positive earnings trend Challenging interest rate environment Net operating profit of EUR 13.6 M in Q2 2021 (EUR 9.8 M in Q2 2020) ROE 16.4% in Q2 2021 (11.8 % in Q2 2020) ÀLANDSBANKEN

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