Finnish banking in 2010

Source: Bank of Finland , Reuters, 1 March 2011

ECB key interest rate and market interest rates

2007

2010

0

1

2

3

4

5

6

1-month Euribor 3-month Euribor12-month Euribor ECB key interest rate

%

5 April 2011 2

Euro-denominated loans to public; market shares 31 Dec 10

OP-Pohjola Group

Nordea Bank Finland Group

Sampo Bank Group

Handelsbanken Group

Aktia Group

Savings Banks

POP Bank Group

Bank of Åland

Tapiola Bank plc

Others

0 10000 20000 30000 40000 50000 60000

56,299.6

52,635.7

20,257.8

8,221.8

6,660.7

5,480.4

3,362.4

2,278.7

1,351.5

13,859.9

€bn

33.0%

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 10

OP-Pohjola Group

Nordea Bank Finland Group

Sampo Bank Group

Savings Banks

Handelsbanken Group

POP Bank Group

Aktia Group

Bank of Åland

Tapiola Bank plc

Others

0 5000 10000 15000 20000 25000 30000 35000 40000

37,906.9

37,741.1

14,713.8

5,980.7

3,712.0

3,592.9

3,544.6

1,480.7

1,402.2

6,704.8

€bn

32.5%

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

5

Number of deposit-taking banks' employees and branches

Source: banks 5 April 2011

Banking groups operating in Finland on 31 Dec 2010 (1)

Finnish banks Banks Total assets,€million

Employees(group)

Branches(deposit banks)

OP-Pohjola Group 216 83,969 12,504 554

Nordea Bank Finland 1 286,086 10,005 327

Sampo Bank 1) 1 26,158 2,661 121

Aktia 2) 1 11,019 1,423 74

Savings banks 34 7,316 1,293 214

Bank of Åland 3) 1 3,475 742 28

POP Bank Group 38 4,321 735 143

Evli Bank 1 280 3

S-Bank Ltd 1 2,688 214 1

FIM Bank 4) 1 206 7

Tapiola Bank 1 1,621 168 63

Hypo 5) 1 661 26 1

eQ Bank 6) 1 48 4 0

SEB Gyllenberg Private Bank 7) 1 0 1

Total Finnish banks 299 30,261 1,537

Banking groups operating in Finland on 31 Dec 2010 (2)

Branches of foreign banks Banks Employees(group)

Branches(deposit banks)

Svenska Handelsbanken AB (publ), Branch Operation in Finland 1 662 45

Skandinaviska Enskilda Banken AB (publ) Helsinki Branch 1 284 1

Danske Bank A/S, Helsinki Branch 1) 1 222 1

Forex Bank 1 66 11

Nordnet Bank 6) 1 55 1

Carnegie Investment Bank AB, Finland Branch 8) 1 49 1

Swedbank AB (publ), Branch in Finland 1 33 1

Royal Bank of Scotland public limited company, Finnish Branch 1 17 1

DnB NOR Bank ASA, Branch in Finland 1 17 1

Deutsche Bank Aktiengesellschaft, Helsinki branch 1 15 1

Citibank International plc, Finland Branch 1 14 1Crédit Agricole Corporate and Investment Bank Helsinki Branch 9)

112 1

EFG Bank AB Finnish Branch 1 3 1

BIGBANK AS Finland Branch 1 10 1

Total foreign banks’ branches 14 1,459 68

TOTAL 313 31,720 1,605

8

Finnish financial institutions' euro-denominated loans to households and non-financial corporations

Source: Bank of Finland 5 April 2011

9

New home loans granted to households by banks

Source: Bank of Finland 5 April 2011

Credit portfolio of finance houses* 31 December

1993199419951996199719981999200020012002200320042005200620072008200920100

2,000

4,000

6,000

8,000

10,000

12,000

14,0003

,14

5

2,9

98

2,9

74

3,5

79

3,9

50

4,4

29

5,1

89

5,8

16

6,4

29

6,7

61

7,3

60

8,0

10

8,7

13 1

0,5

49

11

,54

9

12

,47

5

12

,32

6

12

,48

7

€m* FFI Members

105 April 2011

11

Saving and investment

2001 2002 2003 2004 2005 2006 2007 2008 2009 20100

20

40

60

80

100

120

140 Deposits to Finnish monetary institutions from the euro area Value of investment funds Life insurance assets (companies and private persons)

€bn

Sources: Bank of Finland, Federation of Finnish Financial Services, Investment Research Finland 5 April 2011

Division of fund assets in Finland

Equity funds

Money market funds

Bond funds

Mixed funds

Other funds

0 5 10 15 20 25 30 35 40 45

35.1

28.3

21.6

12.4

2.5

39.7

29.0

16.7

13.1

1.5

31 December 2010

%

125 April 2011

Source: Bank of Finland 13

Margin between loan and deposit interest rates

5 April 2011

14

Net interest income / profits, % 31 Dec 10

Source: banks’ annual reports 5 April 2011

Profits and losses of banking groups

Net interest income

Other profits Expenses Credit losses Operating profit

-4,000

-3,000

-2,000

-1,000

0

1,000

2,000

3,000

4,000

2009 2010

€m

5 April 2011 15Source: banks’ annual reports