Investor Presentaiton

14 2018 in summary • Net operating profit EUR 29 M (26 M 2017), +11 % • Return on Equity after tax (ROE) 9.8 % (9.1), +0.7p.p. • Earnings per share EUR 1.48 (1.35), +10 % • Implementation of IT systems and ensuring compliance with new regulation • The net inflow of actively managed assets was strong in our Private Banking segment with focus on Sweden, EUR 397 M • Strengthening of the total capital base with SEK 200 M T2 capital • Digitalization: Ownership in the strategic partners Dreams Nordic AB and Doconomy . Green banking: Baltic sea card and Aland index widely recognized ÀLANDSBANKEN

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