SEK million. SEK million

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5 SEK million SEK million SEK million % % Q4'17 Q1'18 Q2'18 Q3'18 Q4' % Q4'17 Q1'18 Q2'18 Q3'18 Q4'18 Q4'17 Q1'18 Q2'18 Q3'18 Q4'18 5

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7 SEK million SEK million SEK million ,9% 17,6% ,2% ,7% ,3% 25,% 2,% 15,% 1,% 5,% ,9% ,3% 4,1% ,% 38,6% 8,% 7,% 6,% 5,% 4,% 3,% 2,% 1,% ,5% 4,5% 38 4,3% 36 4,1% 41 3,9% 1,% 9,% 8,% 7,% 6,% 5,% 4,% 3,% 2,% 1,% Q4'17 Q1'18 Q2'18 Q3'18 Q4'18,% Q4'17 Q1'18 Q2'18 Q3'18 Q4'18,% Q4'17 Q1'18 Q2'18 Q3'18 Q4'18,% 7

8 SEK million Q1'17 Q2'17 Q3'17 Q4'17 Q1'18 Q2'18 Q3'18 Q4'18 8

9 SEK Million SEK million % C/I: 39% % 12% 8% 12,1% 13,4% 12,4% C/I: 32% 41 C/I: 57% % 2 1 Consumer Lending Ecommerce Solutions Total Group % Consumer Lending Ecommerce Solutions Total Group Consumer Lending Ecommerce Solutions Total Group 9

10 SEK million Shares Other liabilities 5 4 Liquidity reserve Loans to credit institutions Cash at central banks Treasury bills Deposits Germany Deposits Sweden Loans to the public 1 36 Deposits Norway Deposits Finland Tier 2 capital AT1 capital Equity 1

11 T1+T2 T1 17,4% 15,2% 13,% Headroom 13,% 4,5% Headroom T1 15,2% 5,% 1,2% Headroom T1+T2 T1 17,4% 5,% 12,4% 1,2% CET1 CET1 8,5% CET1 8,5% CET1 8,5% TF Bank 31 December 218 Headroom to CET1 legal capital requirements (including Pillar 2) Headroom to T1 legal capital requirements (including Pillar 2) Headroom to T1+T2 legal capital requirements (including Pillar 2) 11

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13 Q&A Session 13

14 APPENDIX 14

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16 SEK million Loan portfolio Operating income 16

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18 Mari Thjømøe Chairman of the Board since 218 Board member since 217 Current commitments: Chairman: ThjømøeKranen AS, Seilsport Maritimt Forlag AS Deputy chairman: Norconsult AS Board member: Tryg A/S, Hafslund E-CO AS, Scatec Solar ASA, SINTEF Resarch Institute, Nordic Mining ASA, ice ASA Charlotta Björnberg- Paul Board member since 217 Current commitments: Deputy chairman: Saxo Oy Board member: Paptic Ltd, GuardianX Technologies Inc Co-founder: Superskills Entrepenuer; Anki Rugs Tone Bjørnov Board member since 215 Current commitments: Chairman: Filmparken AS, Storyline Studios AS, Norsk Film Kostyme AS, Board member: BB Bank ASA, Aqua Bio Technology ASA, Sparebankstiftelsen Bien, Guard Automation AS, Guard Electro AS, Omsorgsbygg Oslo KF John Brehmer Board member since 21 Current commitments: Chairman: Mederion AB, Tiberon AB, Zebware AB Board member; Consortio Fashion Holding AB, TFB Holding AB Bertil Larsson Board member since 27 Current commitments: Chairman: LåsTeam Sverige AB, Minso Solutions AB, Aktiebolaget Borås Tidning, AB Effektiv Board member: Conpera AB, Tore G Wärenstams stiftelse, Gota Media AB, BRF Asplyckan, Kyrkesunds Båthamnsförening Mattias Carlsson Board member since 28 Current commitments: Chairman: Smedslättens Tennisbanor Aktiebolag, Qred AB, BB Bank ASA Board member: Avarda AB, Avarda Oy, Tronstad Consulting AB 18

19 Mattias Carlsson CEO Education: MSc, Engineering Physics, Uppsala University. Current commitments: BB Bank ASA (chairman of the board), Avarda AB (board member), Avarda Oy (board member), Smedslättens Tennisbanor Aktiebolag (chairman), Qred AB (chairman), and Tronstad Consulting AB (board member). Mikael Meomuttel CFO, Deputy CEO and Head of Investor Relations Education: MSc, Business/Economics and Finance, University of Borås/University of Gothenburg. At TF Bank since 29, 214 deputy CEO and from 218 also the Group s Head of IR. Previously, among other things, been Financial Controller at Consortio Fashion Group AB (CFG). Current commitments: Avarda AB (board member) Espen Johannesen Head of Consumer Lending Education: Executive M.B.A Management control Norwegian School of Economics (NHH), Bachelor of economics, Business BI Norwegian School of Management At BB Bank since 21. Mikael Johansson Head of Ecommerce Solutions Education: MSc Business Administration and Matemathics Stockholms universitet With the Group since 216 as CEO of Avarda. Previously, among other things, at GE Commercial Finance and as CEO of Santander Consumer Bank Sweden. Current commitments: Svenska Bilhandlare AB (chairman) and Sticklinge Management AB (alternate member) 19

20 Vilma Sool Regional manager Baltics Head of Estonia 1 years of experience in the consumer finance sector established and led Bigbank Swedish branch. Juho Maanpää Head of Finland Extensive consumer finance experience in Finland within operations management, credit risk and digital marketing. With TF Bank since 213. Juris Pūce Head of Latvia Before joining TF Bank in 216, worked for seven years in Bigbank, serving as country manager in Latvia and Spain and in various positions with credit management services provider Creditreform. Björn Skytt CIO Before joining TF Bank in 21 worked as integration manager for ICA Banken and prior to that as project manager and system manager for SKF s financial and treasury systems. Wojciech Drozd Head of Poland Karin Zandrén Head of Sweden Krzysztof Blach Credit Manager Sarunas Dmukauskas Head of Lithuania Sales leader with 2+ years of extensive consumer finance and retail banking experience from GE Money Bank Poland and Bank BPH. With TF Bank since 29. More than 1+ years in the consumer finance sector. Previously worked at Citibank as Lending Product Manager and with GE Money as Online Sales & Marketing Manager. Credit Risk Manager with 15 years of experience in retail banking sector. Worked for GE Money Bank and BPH Bank in Poland holding various positions and for KBC Group across Europe. Before joining TF Bank at end of 218, worked for 2 years in Mokilizingas as Head of Projects and prior to that as a project and product manager of Consumer Loans. Led development of various financial service related IT solutions. 2

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