3,500 3,000 2,500. SEK million 2,000 1,500 1,000

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5 SEK million 3,5 3, 2,5 2, 1,5 1, Loan portfolio (LHS) Operating income (RHS) 5

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8 SEK million SEK million SEK million 4,5 4, 3,5 3, 2,95 3, % 3,519 3,876 4,198 4, 3, 2, 1, % 3,328 3,68 2,85 2,392 2,561 2,5 2, 1,5 1, 5 1, %

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10 NOK million 1,5 1, ,13 1,125 1,

11 PLN million EUR million

12 EUR million SEK million

13 SEK million % 21% 18% 15% 12% 9% 6% 3% % 18.4% 13.8% Operating income margin 17.9% 17.6% 17.2% Risk-adjusted operating income margin 16.7% 13.4% 13.1% 12.9% 12.6% 13

14 SEK million % 5% % 35.2% 36.9% 4.3% 4.1% 39.% 3 3% 2 2% 1 1% % 14

15 SEK million % 6% % 4% 4.6% 4.5% 4.5% 4.3% 4.1% % 1 2% 5 1% % 15

16 SEK million Q1'17 Q2'17 Q4'18 16

17 SEK Million SEK million % 16% 12% 8% 4% 12.5% 12.9% 12.6% C/I: 32 % 4 C/I: 62 % 23 C/I: 39 % 63 Consumer Lending Ecommerce Solutions Total Group % Consumer Lending Ecommerce Solutions Total Group Consumer Lending Ecommerce Solutions Total Group 17

18 SEK million 6, 5, 4, Liquidity reserve 126 Other assets Shares 1, Loans to credit institutions Cash at central banks Treasury bills 1,557 1,352 Other liabilities Deposits Germany Deposits Norway 3, 2, 4,198 Loans to the public 59 1,553 Deposits Finland Deposits Sweden 1, Tier 2 capital AT1 capital Equity 18

19 16.2% 3.% 13.2% 17.2% * 17.4% ** 15.1% * 2.6% 2.5% 2.5% 2.4% 2.4% T2 AT1 12.5% 12.2% 12.6% CET1 Dec '17 Mar '18 Jun '18 Sep '18 19

20 Continued organic loan book growth LOAN BOOK GROWTH +33 % SEK 4,198 million Strong operating profit growth OPERATING PROFIT GROWTH +15 % SEK 165 million Cost efficiency C/I RATIO 4 % Capital position TOTAL CAPITAL RATIO 17.4 % 3 Sep 218 2

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22 Q&A Session 22

23 Mari Thjømøe Chairman of the Board since 218 Board member since 217 Charlotta Björnberg- Paul Board member since 217 Tone Bjørnov Board member since 215 John Brehmer Board member since 21 Bertil Larsson Board member since 27 Mattias Carlsson Board member since 28 23

24 Mattias Carlsson CEO Education: MEng., engineering physics, Uppsala University. Current commitments: BB Bank ASA (board member), 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) 24

25 Vilma Sool Regional manager Baltics Head of Estonia 1 years of experience in the consumer finance sector developed and led Bigbank Swedish branch. Juho Maanpää Head of Finland Extensive consumer finance experience in Finland within operations management, credit risk and digital marketing. Worked at 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 as well as fulfiled various roles 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 Sales leader with 2+ years of extensive consumer finance and retail banking experience: in GE Money Bank Poland and Bank BPH. With TF Bank since 29. More than 1+ years in the consumer finance sector. Previously worked with 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 roles and for KBC Group across Europe. 25

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