Finnish banking in 2010

Source: Bank of Finland, Reuters, 1 March 2011 ECB key interest rate and market interest rates 5 April

Euro-denominated loans to public; market shares 31 Dec % 30.9% 11.9% 4.8% 3.9% 3.2% 2.0% 1.3% 0.8% 8.1% incl. Danske Helsinki Branch 3 Source: The banks/banking groups have agreed that the Bank of Finland provides these figures for the Federation of Finnish Financial Services annually for publishing. 5 April 2011

Euro-denominated deposits from the public; market shares 31 Dec % 32.3% 12.6% 5.1% 3.2% 3.1% 3.0% 1.3% 1.2% 8.1% incl. Danske Helsinki Branch 4 Source: The banks/banking groups have agreed that the Bank of Finland provides these figures for the Federation of Finnish Financial Services annually for publishing. 5 April 2011

Number of deposit-taking banks' employees and branches 5 Source: banks5 April 2011

Banking groups operating in Finland on 31 Dec 2010 (1) Finnish banksBanksTotal assets, €million Employees (group) Branches (deposit banks) OP-Pohjola Group 21683,969 12, Nordea Bank Finland 1286,086 10, Sampo Bank 1) 126,158 2, Aktia 2) 111,019 1,42374 Savings banks 347,316 1, Bank of Åland 3) 13, POP Bank Group 384, Evli Bank S-Bank Ltd 12, FIM Bank 4) Tapiola Bank 11, Hypo 5) eQ Bank 6) SEB Gyllenberg Private Bank 7) 1 01 Total Finnish banks29930,2611,537

Banking groups operating in Finland on 31 Dec 2010 (2) Branches of foreign banksBanksEmployees (group) Branches (deposit banks) Svenska Handelsbanken AB (publ), Branch Operation in Finland Skandinaviska Enskilda Banken AB (publ) Helsinki Branch Danske Bank A/S, Helsinki Branch 1) Forex Bank Nordnet Bank 6) Carnegie Investment Bank AB, Finland Branch 8) Swedbank AB (publ), Branch in Finland Royal Bank of Scotland public limited company, Finnish Branch DnB NOR Bank ASA, Branch in Finland Deutsche Bank Aktiengesellschaft, Helsinki branch Citibank International plc, Finland Branch Crédit Agricole Corporate and Investment Bank Helsinki Branch 9) EFG Bank AB Finnish Branch 1 31 BIGBANK AS Finland Branch Total foreign banks’ branches141,45968 TOTAL31331,7201,605

Finnish financial institutions' euro-denominated loans to households and non-financial corporations 8 Source: Bank of Finland5 April 2011

New home loans granted to households by banks 9 Source: Bank of Finland5 April 2011

Credit portfolio of finance houses * 31 December * FFI Members 10 5 April 2011

Saving and investment 11 Sources: Bank of Finland, Federation of Finnish Financial Services, Investment Research Finland 5 April 2011

Division of fund assets in Finland 12 5 April 2011

Margin between loan and deposit interest rates Source: Bank of Finland 13 5 April 2011

Net interest income / profits, % 31 Dec Source: banks’ annual reports 5 April 2011

Profits and losses of banking groups 5 April Source: banks’ annual reports