Legal References & Comments (a) 1 TOTAL OWN FUNDS FOR SOLVENCY PURPOSES. Varav: instrument som är jämställda med stamaktier eller andelar

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1 FINANSSIVALVONTA LIITE 4 FINANSINSPEKTIONEN BILAGA COREP CA-taulukko alkuperäisenä sekä Fivan rivinumerot ja rivit suomeksi ja ruotsiksi COREP CA-tabell i original samt FI:s radnummer och rader på finska och svenska VÄRIKOODIEN LUKUOHJE LÄSANVISNING FÖR FÄRGKODERNA Uusi rivi, jos käännetty, lisättävä rivi Rivi, jota ei ole käytössä Suomessa Uusi rivi (Fivan oma tarve) Ny rad, om översatt till finska och svenska rad som ska tillfogas Rad som inte är i bruk i Finland Ny rad (FI:s eget behov) ID Label Fiva ID Label suomeksi Label på svenska Amount Legal References & Comments (a) 1 TOTAL OWN FUNDS FOR SOLVENCY PURPOSES 01 OMAT VARAT YHTEENSÄ SAMMANLAGD KAPITALBAS = = ORIGINAL OWN FUNDS 05 ENSISIJAISET OMAT VARAT YHTEENSÄ PRIMÄRT KAPITAL Eligible Tier 1 capital Eligible Capital 0505 Oma pääoma Eget capital *** Of which: Instruments ranking pari passu with ordinary shares Josta: instrumentit, jotka ovat tasavertaisia tavallisten osakkeiden tai osuuksien kanssa Varav: instrument som är jämställda med stamaktier eller andelar Recital 4 of Directive 2009/111/EC and Article 57 (a) of amended Directive 2006/48/EC: Instruments that are regarded under national law as equity capital, rank pari passu with ordinary shares during liquidation and fully absorb losses on a going concern basis pari passu with ordinary shares. PLEASE REPORT BOTH THE NOMINAL AMOUNT OF THE PAID IN INSTRUMENTS AND THE PREMIUM ATTACHED TO IT. Exclude from this item those instruments that provide preferential rights for dividend payment on a non-cumulative basis (see item 1.1.1****). Include instruments issued by mutual co-operative or similar institutions which are deemed to be equivalent to ordinary shares in terms of capital qualities **** Of which: Instruments providing preferential rights for dividend payment on a noncumulative basis Josta: instrumentit, jotka sisältävät eikumulatiivisen etuoikeuden osinkoon Varav: instrument som innehåller ickekumulativ företrädesrätt till dividend Recital 4 of Directive 2009/111/EC and Article 57(a) of amended Directive 2006/48/EC : Instruments providing preferential rights for dividend payment on a non-cumulative basis, provided that they are included in Article 22 of Council Directive 86/635/EEC, rank pari passu with ordinary shares during liquidation and fully absorb losses on a going concern basis pari passu with ordinary shares; PLEASE REPORT BOTH THE NOMINAL AMOUNT OF THE PAID IN INSTRUMENTS AND THE PREMIUM ATTACHED TO IT Exclude from this item those instruments that rank pari passu with ordinary shares (see item 1.1.1***). Include instruments issued by mutual co-operative or similar institutions which are deemed to be equivalent to instruments which provide preferential rights for dividend payment on a non-cumulative basis provided that they are included in Article 22 of Directive 86/635/EEC, rank pari passu with ordinary shares during liquidation and fully absorb losses on a going-concern basis pari passu with ordinary shares Paid up capital Maksettu oma pääoma Inbetalt eget kapital Article 57, sentence 1 lit.(a) of FINREP: Paid in capital (-) Own shares (-) Omat osakkeet tai osuudet (-) Egna aktier och andelar Article 57, sentence 2 lit. (i) of Directive 2006/48/EC FINREP: Treasury shares Share premium Ylikurssirahasto Överkursfond Article 57, sentence 1 lit. (a) of Directive 2006/48/EC FINREP: Share premium Other instruments eligible as capital Muut oman pääoman erät Övrigt eget kapital Article 57, sentence 1 lit.(a) of Directive 2006/48/EC even if the instruments are classified as debt under the IAS-type accounting rules. See also Guidelines on Prudential Filters for Regulatory Capital (CEBS, ) due to the FINREP: Includes amongst others the item "Other equity:other" and "share capital repayable on demand (e.g. cooperative shares)" Eligible Reserves 0510 Rahastot yhteensä Summa reserver a b Reserves Rahastot ( Ensisijaisten omien varojen ehdot täyttävät rahastot, vapaaehtoiset varaukset ja edellisten tilikausien voitot) Reserves (including valuation differences) Part of reserves to be filtered out to valuation differences Minority interest Vähemmistöosuus (vain konsolidointiryhmä) Reserver = Article 57 sentence 1 lit.(b) of Directive 2006/48/EC, including profit and losses brought forward as a result of the application of the final profit or loss. Article 65 (1) lit. (b), (c) and (d) and (2) of Directive 2006/48/EC FINREP: Reserve+Revaluation reserves (excludes the valuation differences included in ) FINREP: Reserve+Revaluation reserves Minoritetsandel (enbart för finansiell företagsgrupp) Component of reserves subject to prudential filters = Article 65 (1) lit. (a) and (2) of FINREP: Minority interest (excludes the valuation differences included in ) ***01 Of which: Hybrid instruments that must be converted during emergency situations Article 65 (1) point a) in conjuction with Article 66 (1a) lit. (a) of amended Directive 2006/48/EC, as long as they comply with the requirements of Articles 63a and 63 (2) lit. (a), (c), (d) and (e) of amended

2 ***02 Of which: Hybrid instruments (undated, without incentive to redeem) ***03 Of which: Hybrid instruments (dated or incentive to redeem) ***04 Of which: Grandfathered instruments without incentive to redeem subject to limit ***05 Of which: Grandfathered instruments with incentive to redeem subject to limit Article 65(1) point a) in conjuction with Article 66 (1a) lit. (b) of amended Directive 2006/48/EC, as long as they comply with the requirements of Articles 63a and 63 (2) lit. (a), (c), (d) and (e) of amended Directive 2006/48/EC. Article 65(1) point a) in conjuction with Article 66 (1a) lit. (c) of amended Directive 2006/48/EC, as long as they comply with the requirements of Articles 63a and 63 (2) lit. (a), (c), (d) and (e) of amended Directive 2006/48/EC. Instruments without incentive to redeem, issued indirectly, that are grandfathered in accordance with Article 154 (8) of amended Directive 2006/48/EC and instruments which do not comply with the requirements of Articles 63a and 63 (2) lit. (a), (c), (d) and (e) of amended Directive 2006/48/EC and are grandfathered in accordance with Article 154 (9) of amended Directive 2006/48/EC.. Instruments with incentive to redeem, issued indirectly, and that are grandfathered in accordance with Article 154 (8) of amended Directive 2006/48/EC and instruments which do not comply with the requirements of Article 63a and 63 (2) lit. (a), (c), (d) and (e) of amended Directive 2006/48/EC and are grandfathered in accordance with Article 154 (9) of amended Directive 2006/48/EC. FINREP: Minority interest Minority interest (including valuation differences) Part of minority interest to be filtered out to Component of minority interest subject to prudential filters valuation differences (-) Adjustment to minority interest Minority interest not eligible as original own funds Interim profits Tilikauden voitto Räkenskapsperiodens vinst = Article 57, sentence 3 of Directive 2006/48/EC (starting "For the purposes.") Income (positive) from current year Kirjanpidon mukainen tilikauden voitto Redovisad vinst för räkenskapsperioden FINREP: Part of (positive Income from current year - interim dividends), when verified by persons responsible for the auditing of the accounts according to Article 57, sentence 3 of Part of Income (positive) of the current year to be filtered out to valuation differences Tilikauden voittoon sisältyvät realisoitumattomat voitot, joita ei lueta ensisijaisiin omiin varoihin Del av räkenskapsperiodens vinst som härrör från orealiserade vinster som inte får inräknas i primärt kapital Component of the Income (positive) from the current year subject to prudential filter in ( and ) a (-) Material losses of the current financial year Tilintarkastamaton tilikauden tulos Resultat under räkenskapsperioden som inte är verifierat = Min [( a a.02); 0] if material according to article 57, sentence 2 lit. (k) of a a.02 Income from current year when it is unaudited Part of the unaudited income from the current year to be filtered out to valuation differences Kirjanpidon mukainen tilintarkastamaton tilikauden voitto Tilintarkastamattomaan tilikauden voittoon sisältyvät realisoitumattomat voitot, joita ei lueta ensisijaisiin omiin varoihin Redovisat resultat under räkenskapsperioden som inte är verifierat Del av resultat under räkenskapsperioden som inteär verifierat och härrör orealiserad vinster som inte får inräknas i primärt kapital FINREP: (Part of) Income - interim dividends when conditions in Art 57, sentence 3 of Directive 2006/48/EC are not fulfilled and so the amount has not been verified by persons responsible for the auditing of the accounts. Component of the unaudited Income from current year subject to prudential filter in ( and ) b Interim profits or material losses of the current financial year b.01 (-) Income (negative) from current year (-) Kirjanpidonmukainen tilikauden b.02 Part of Income (negative) from current year to be filtered out to valuation differences (-) Tilikauden tappio (-) Räkenskapsperiodens förlust = b b.02 Article 57, sentence 3 of Directive 2006/48/EC if positive or Article 57, sentence 2 lit (k) of Directive 2006/48/EC if negative (-) Redovisad förlust för FINREP: Negative Income from current year - interim dividends, when verified by tappio räkenskapsperioden persons responsible for the auditing of the accounts Tilikauden tappioon sisältyvät realisoitumattomat tappiot, joita ei lueta ensisijaisiin omiin varoihin Del av räkenskapsperiodens förlust som härrör från orealiserade vinster som inte får inräknas i primärt kapital Component of the Income (negative) from current year subject to prudential filter in ( and ) (-) Net gains from capitalisation of future margin income from securitisations Valuation differences eligible as original own funds (-) Arvopaperistettujen saamisten tuotot (alullepanija) Omaan pääomaan kirjatut realisoitumattomat voitot ja tappiot sekä niiden oikaisut ensisijaisista omista varoista Valuation differences in AFS equities Myytävissä olevien oman pääoman ehtoisten rahoitusvarojen käyvän arvon muutokset (-) Intäkter av värdepapperiserade tillgångar (originator) Orealiserade vinster och förluster redovisade i eget kapital och justeringar för dem i primärt kapital Förändringar i verkligt värde på egetkapitalinstrument som klassificeras som finansiella tillgångar som kan säljas Article 57, sentence 4 of Directive 2006/48/EC i, i = 01 to 16 For reporting purposes all valuation differences must be included in this item. Nevertheless, this does not preclude the whole amount of an item being transferred to additional own funds Includes the cash flow hedges related to AFS equities (see also ). FINREP: Respective part of Revaluation reserves (valuation differences) + Minority interest: revaluation reserves Adjustment to Valuation differences in AFS equities Oikaisu myytävissä olevien oman pääoman ehtoisten rahoitusvarojen käyvän arvon muutoksiin värde på egetkapitalinstrument som klassificeras som finansiella tillgångar som kan säljas

3 Valuation differences in AFS loans and receivables Myytävissä olevien laina- ja muiden saamisten käyvän arvon muutokset Förändringar i verkligt värde på låneoch kundfordringar som kan säljas Includes the cash flow hedges related to AFS loans and recievables. (see also ). FINREP: Respective part of Revaluation reserves (valuation differences) + Minority interest: revaluation reserves Adjustment to Valuation differences in AFS loans and receivables Oikaisu myytävissä olevien laina- ja muiden saamisten käyvän arvon muutoksiin Valuation differences in other AFS assets Muiden myytävissä olevien rahoitusvarojen käyvän arvon muutokset Adjustment to Valuation differences in other AFS assets Valuation differences in FVO financial liabilities (own credit risk) Adjustment to Valuation differences in FVO financial liabilities (own credit risk) Valuation differences in cash flow hedges not related to AFS assets Adjustment to Valuation differences in cash flow hedges Oikaisu muiden myytävissä olevien rahoitusvarojen käyvän arvon muutoksiin Omien rahoitusvelkojen käyvän arvon muutokset Oikaisu omien rahoitusvelkojen käyvän arvon muutoksiin Rahavirran suojauksesta johtuvat käyvän arvon muutokset (pl. Myytävissä oleviin rahoitusvaroihin liittyvät) Oikaisu rahavirran suojauksesta aiheutuviin käyvän arvon muutoksiin (pl. myytävissä oleviin rahoitusvaroihin liittyvät) värde på låne- och kundfordringar som kan säljas Förändringar i verkligt värde på övriga finansiella tillgångar som kan säljas värde på övriga finansiella tillgångar som kan säljas Förändringar i verkligt värde på finansiella skulder värde på finansiella skulder Förändringar i verkligt värde hänförliga till kassaflödessäkring (exkl. värdeförändringar hänförliga till finansiella tillgångar som kan säljas) värde hänförliga till kassaflödessäkring (exkl. värdeförändringar hänförliga till finansielle tillgångar som kan säljas) Includes the cash flow hedges related to other AFS assets (see also ). FINREP: Respective part of Revaluation reserves (valuation differences) + Minority interest: revaluation reserves FINREP: Respective part of Income from current year + Reserves (included retained earnings) + Minority interest: other (relationed to income) Article 64, para 4 of FINREP : table 15, fourth column "Amount of cumulative change in fair values attributable to changes in credit risk" In principle cash flow hedges related to AFS assets are excluded. Nevertheless, in case of neutralisation of AFS assets to which the cash flow hedges are related, these cash flow hedges may be included in this item. FINREP: Respective part of Revaluation reserves (valuation differences) + Minority interest: revaluation reserves Article 64, paragraph 4 of Valuation differences in investment property Adjustment to Valuation differences in investment property Valuation differences in property, plant and equipment Adjustment to Valuation differences in property, plant and equipment Other valuation differences affecting the eligible reserves Adjustment to Other valuation differences affecting the eligible reserves Sijoituskiinteistöjen käyvän arvon muutokset Förändringar i verkligt värde på förvaltningsfastigheter FINREP: Respective part of Income from current year + Reserves (included retained earnings) + Minority interest: other (in relation to income) Oikaisu sijoituskiinteistöjen käyvän arvon muutoksista värde på förvaltningsfastigheter Omassa käytössä olevien kiinteistöjen Förändringar i verkligt värde hänförliga FINREP: Respective part of Revaluation reserves (positive valuation differences in uudelleenarvostuksesta johtuvat käyvän till omvärdering av rörelsefastigheter tangible assets) + Minority interest: revaluation reserves (positive valuation differences arvon muutokset in tangible assets) Oikaisu omassa käytössä olevien kiinteistöjen uudelleenarvostuksesta värde hänförliga till omvärdering av aiheutuvat käyvän arvon muutokset rörelsefastigheter Muut käyvän arvon muutokset Övriga förändringar i verkligt värde FINREP: Respective part of Revaluation reserves (valuation differences) + Minority interest: revaluation reserves Oikaisu muihin käyvän arvon muutoksiin Justering för övriga förändringar i verkligt värde Funds for general banking risks ei käytössä Ei käytössä Article 57, sentence 1 lit. (c) of When applicable according to accounting rules Other and country specific Original Own Funds = a Rajoituksenalaiset ensisijaisiin omiin varoihin luettavat erät (Hybridiinstrumentit) Poster som enligt begränsningsregler får inräknas i primärt kapital (Hybridinstrument) a Hybrid instruments = a a a a a.05 This item should include not only hybrid instruments directly issued but also those hybrids indirectly issued that, because of being an accounting liability, do not give rise to minority interests a a a.03 Hybrid instruments that must be converted during emergency situations Hybrid instruments (undated, without incentive to redeem) Hybrid instruments (dated or incentive to redeem) Hybridi-instrumentit, jotka on vaihdettava poikkeustilanteissa Hybridi-instrumentit (ilman eräpäivää tai kannustinta lunastamiseen) Hybridi-instrumentit (sisältäen eräpäivätyt tai kannustimen lunastamiseen) Hybridinstrument som skall bytas i undantagssituationer Hybridinstrument (utan förfallodag eller incitament för inlösen) Hybridinstrument (med förfallodag eller incitament för inlösen) Article 57 sentence 1 lit. (ca) and Article 66 (1a) lit. (a) of amended Directive 2006/48/EC, as long as they comply with the requirements of Articles 63a and 63 (2) lit. (a), (c), (d) and (e) of amended Directive 2006/48/EC. Article 57 sentence 1 lit. (ca) and Article 66 (1a) lit. (b) of amended Directive 2006/48/EC, as long as they comply with the requirements of Articles 63a and 63 (2) lit. (a), (c), (d) and (e) of amended Directive 2006/48/EC. Article 57 sentence 1 lit. (ca) and Article 66 (1a) lit. (c) of amended Directive 2006/48/EC, as long as they comply with the requirements of Articles 63a and 63 (2) lit. (a), (c), (d) and (e) of amended Directive 2006/48/EC.

4 a.04 Grandfathered hybrid instruments without incentive to redeem subject to limit Hybridi-instrumentit, jotka eivät sisällä kannustinta lunastamiseen ja joihin sovelletaan siirtymäsäännöksiä Hybridinstrument som inte omfattar incitament för inlösen och på vilka övergångsbestämmelser tillämpas Instruments of Article 57 sentence 1 lit. (a) and (ca) of amended Directive 2006/48/EC without incentive to redeem, that are grandfathered in accordance with Article 154 (8) of amended Directive 2006/48/EC and instruments which do not comply with the requirements of Articles 63a and 63 (2) lit. (a), (c), (d) and (e) of amended Directive 2006/48/EC and are grandfathered in accordance with Article 154 (9) of amended Directive 2006/48/EC a.05 Grandfathered hybrid instruments with incentive to redeem subject to limit Hybridi-instrumentit, jotka sisältävät kannustimen lunastamiseen ja joihin sovelletaan siirtymäsäännöksiä Hybridinstrument som omfattar incitament för inlösen och på vilka övergångsbestämmelser tillämpas Instruments of Article 57 sentence 1 lit. (a) and (ca) of amended Directive 2006/48/EC with incentive to redeem, that are grandfathered in accordance with Article 154 (8) of amended Directive 2006/48/EC and instruments which do not comply with the requirements of Articles 63a and 63 (2) lit. (a), (c), (d) and (e) of amended Directive 2006/48/EC and are grandfathered in accordance with Article 154 (9) of amended Directive 2006/48/EC Positive filter of first time adoption of IAS-type accounting rules Other Includes those prudential filters not listed above that increase the original own funds (-) Other deductions from Original Own 0520 (-) Vähennykset ensisijaisista omista (-) Avdrag från primärt kapital = a Funds varoista (-) Intangible assets (-) Aineettomat hyödykkeet (-) Immateriella tillgångar Article 57, sentence 2 lit. (j) of Includes any goodwill not already deducted (first consolidation difference) within Reserves a (-) Excess on the limits for hybrid instruments (-)Hybridi-instrumenttien ylijäämä (-) Hybridinstrumentens öveskott = a a a a.04 Is the result of the application of the limits referred to in Article 66 (1a) lit. a) to c) and Article 154 (8) and (9) of amended Directive 2006/48/EC on instruments referred to in ***01 to ***05 and a a.01 (-) Hybrid instruments that must be converted during emergency situations (-) Hybridi-instrumentit, jotka on vaihdettava poikkeustilanteessa (-) Hybridinstrument som skall bytas i undantagssituationer Article 66 (1a) lit (a) of amended a.02 (-) Hybrid instruments (undated, without incentive to redeem) (-) Hybridi-instrumentit (ilman eräpäivää, ilman kannustinta lunastamiseen) (-) Hybridinstrument (utan förfallodag eller incitament för inlösen) Article 66 (1a) lit (b) of amended a.03 (-) Hybrid instruments (dated or incentive to redeem) (-) Hybridi-instrumentit (sisältäen eräpäivätyt tai kannustimen lunastamiseen) (-) Hybridinstrument (med förfallodag eller incitament för inlösen) Article 66 (1a) lit (c) of amended a.04 (-) Excess on limits for grandfathered instruments (-) Siirtymässäännöksen piirissä olevien instrumenttien ylijäämä (-) Överskott för instrument som omfattas av övergångsbestämmelserna Article 154 (8) and (9) of amended Directive 2006/48/EC on instruments referred to in ***04, ***05 and a.04, a (-) Arvonoikaisu käypään arvoon (-) Omvärdering till verkligt värde (-) Other country specific deductions to Original Own Funds (-) Negative filter of first time adoption of IAS-type accounting rules (-) Muut vähennykset (-) Övriga avdrag = (-) IFRS-standardien käyttöönoton vaikutus (IFRS 1) (-) Övergång till IFRS (IFRS 1) (-) Other (-) Suunniteltu osingonjako tai voitonjako (-) Planerad dividend- eller Includes those prudential filters not listed above that reduce the original own funds vinstutdelning 1.2 ADDITIONAL OWN FUNDS 10 TOISSIJAISET OMAT VARAT YHTEENSÄ TOTALT SUPPLEMENTÄRT KAPITAL Article 66 para. 1 lit. (a) of Eligible Tier 2 capital = Core Additional Own Funds 1005 Ylemmät toissijaiset omat varat Övre supplementärt kapital Eligible Upper Tier 2 capital. = Excess on limits for original own funds transferred to core additional own funds The excess on limits for original own funds (see items a) that are eligible for inclusion within core additional own funds. = a Adjustments made to valuation differences in original own funds transferred to core additional own funds Adjustment to Valuation differences in AFS equities transferred to core additional own funds Toissijaisiin omiin varoihin luettavat käyvän arvon muutokset Myytävissä olevien oman pääoman ehtoisten rahoitusvarojen käyvän arvon muutokset Förändringar i verkligt värde som får inräknas i supplementärt kapital Förändringar i verkligt värde på egetkapitalinstrument som klassificeras som finansiella tillgångar som kan säljas Guidelines on Prudential Filters for Regulatory Capital (CEBS, ) i, i = 01 to 05 The amount or part of the amount in Adjustment to Valuation differences in other AFS assets transferred to core additional own funds Adjustment to Valuation differences in investment property transferred to additional own funds Muiden myytävissä olevien rahoitusvarojen käyvän arvon muutokset Förändringar i verkligt värde på övriga finansiella tillgångar som kan säljas The amount or part of the amount in Uudelleenarvostusrahasto Omvärderingsfond The amount or part of the amount in

5 Adjustment to Valuation differences in property, plant and equipment transferred to additional own funds Other adjustments to valuation differences affecting the eligible reserves transferred to core additional own funds The amount or part of the amount in The amount or part of the amount in and any other adjusments not explicitly listed above Revaluation reserves Arvonkorotusrahasto Uppskrivningsfond Article 57, sentence 1 lit. (d) of Directive 2006/48/EC, net of valuation differences airising from IAS-type accounting rules which have already been included and filtered within the original own funds, some of them having been transferred to core additional own funds (item ) Value adjustments for credit risk Art. 57, sentence 1 lit.(e) of positions in standardised approach Other items Article 57, sentence 1 lit. (f) of Directive 2006/48/EC in conjunction with Article 63 para. (1) of Securities of indeterminate duration and other instruments Muut ylempiin toissijaisiin omiin varoihin luettavat erät Övriga poster som får inräknas i övre supplementärt kapital Article 57, sentence 1 lit. (f) of Directive 2006/48/EC in conjunction with Article 63 para. (2) of IRB Provision excess Ylijäämä arvonalennusten ja Överskott som utgör skillnaden mellan Article 63 para. (3) of odotettujen tappioiden erotuksesta (IRB) nedskrivningar och förväntade förluster (IRB) Country specific Core Additional Own Funds Supplementary Additional Own Funds 1010 Alemmat toissijaiset omat varat Undre supplementärt kapital Article 66 para. 1 lit. (b) of Eligible Lower Tier 2 capital. = Commitments of the members of credit Article 57, sentence 1 lit. (g) of institutions set up as co-operative societies Fixed-term cumulative preferential shares Article 57, sentence 1 lit. (h) of Directive 2006/48/EC in conjunction with Article 64 (3), sentence 1 of Subordinated loan capital Debentuurilainat Debenturlån Article 57, sentence 1 lit. (h) of Directive 2006/48/EC in conjunction with Article 64 (3), sentence 2 of Directive 2006/48/EC, paying particular attention to letter (c) whose calendar effects have been considered." Country specific Supplementary Additional Own Funds (-) Excess on limits for Supplementary Additional Own Funds (-) Alempien toissijaisten omien varojen ylijäämä (-) Överskjutande undre supplementärt kapital Article 66 (1) lit. (b) of (-) Deductions from Additional Own Funds (-) Excess on limits for Additional Own Funds (-) Other country-specific deductions to Additional Own Funds 1015 (-) Vähennykset toissijaisista omista varoista (-) Toissijaisten omien varojen ylijäämä (-) Avdrag från supplementärt kapital = (-) Överskjutande supplementärt kapital Article 66 (1) lit. (a) of According to the particular rules governing the deductions in , the latter may be deducted before calculating the excess on limits for additional own funds. 1.3 (-) DEDUCTIONS FROM ORIGINAL AND ADDITIONAL OWN FUNDS 15 (-) VÄHENNYKSET ENSI- JA TOISSIJAISISTA OMISTA VAROISTA Of which: (-) From Original Own Funds 1502 Josta: 1.3.T1* (-) vähennykset ensisijaisista omista varoista 1.3.T2* Of which: (-) From Additional Own Funds 1503 Josta: (-) vähennykset toissijaisista omista varoista (-) Holdings in other credit and financial institutions amounting to more than 10% of their capital (-) Subordinated claims and other items in other credit and financial institutions in which holdings exceed 10% of their capital (-) Excess on limit for holdings, subordinated claims and other items in credit and financial institutions in which holdings are up to 10% of their capital 1505 (-) Yli 10 %:n omistukset ja sijoitukset toisiin rahoitusalan yrityksiin 1510 (-) Muut omistukset ja sijoitukset toisiin rahoitusalan yrityksiin, joiden yhteismäärä ylittää 10 % valvottavan omista varoista (-) AVDRAG FRÅN PRIMÄRT OCH SUPPLEMENTÄRT KAPITAL Därav: (-) Avdrag från primärt kapital Därav: (-) Avdrag från supplementärt kapital (-) Innehav och investeringar över 10 % i andra finansiella företag (-) Övriga innehav och investeringar i andra finansiella företag som sammanlagt överstiger 10 % av institutets kapitalbas 1.3.i, i = 1 to 11 Also=1.3.T1*+1.3.T2* Article 66, paragraph 2 of Directive 2006/48/EC. Deduction from original own funds (item 1.1) is, at least, 50% of (1.3 less ) (see 1.3.T2*). See also item 1.4. In the case of item , the competent authorities may decide to apply deductions from original or additional own funds in different proportions according to Article 61, paragraph 1 of Article 66, para 2 of When 50% of item 1.3 exceeds item 1.2, the excess will also be deducted from item 1.1, so being included in 1.3.T1*. See item 1.5 In the case of item , the competent authorities may decide to apply deductions from original or additional own funds in different proportions according to Article 61, paragraph 1 of Article 66 (2) of Directive 2006/48/EC in conjunction with Article 57 sentence 2 lit. (l) of Directive 2006/48/EC. Article 66 (2) of Directive 2006/48/EC in conjunction with Article 57 sentence 2 lit. (m) of Article 66 (2) of Directive 2006/48/EC in conjunction with Article 57 sentence 2 lit. (n), 1st alternative of

6 1.3.4 (-) Participations hold in insurance undertakings, reinsurance undertakings and insurance holding companies (-) Other instruments hold in respect of insurance undertakings, reinsurance undertakings and insurance holding companies in which a participation is maintained (-) Country-specific deductions from Original and Additional Own Funds 1.3.LE Memorandum item: Own Funds relevant for limits to large exposures when additional capital to cover market risks is not used AND for limits to qualifying participating interests (-) Certain securitisation exposures not included in risk-weighted assets (-) IRB Provision shortfall and IRB equity expected loss amounts (-) Qualified participating interest in non financial institutions (-) Free deliveries from 5 business days post second contractual payment or delivery leg until extinction of the transaction (-) Other country specific deductions from Original and Additional Own Funds 1515 (-) Yli 10 %:n omistukset ja sijoitukset toisiin vakuutusalan yrityksiin 15LE Lisätieto: Rahoitustoiminnan asiakasriskejä kattava omien varojen määrä (-) Innehav och investeringar över 10 % i andra försäkringsföretag Särskilda uppgifter: Kapitalbas för täckning av stora exponeringar i finansieringsverksamaheten Article 57, sentence 2 lit. (o) of It must be noted that supervisors may not apply deductions referred in this line (see article 59 of Directive 2006/48/EC ) and apply mutatis mutandis methods 1, 2 or 3 of annex I to Directive 2002/87. The issue as to how credit institutions considered as conglomerate apply for reporting purposes the joint forum method should be dealt with (further clarification necessary) Article 57, sentence 2 lit. (p) of It must be noted that supervisors may not apply deductions referred in this line (see article 59 of Directive 2006/48/EC ) and apply mutatis mutandis methods 1, 2 or 3 of annex I to Directive 2002/87. The issue as how credit institutions considered as conglomerate apply for reporting purposes the joint forum method should be dealt with (further clarification necessary) =1.1+( ) Nonetheless, if specific local rules are applied for the definition of capital relevant for large exposures or for limits to qualifying participating interests, other components might be taken into account in the formula above (-) Sijoitukset arvopaperistettuihin saamisiin (sijoittaja) (-) Investeringar i värdepapperisade tillgångar (investerare) Article 57, sentence 2 lit (r) of Directive 2006/48/EC, unless Article 66, paragraph 2, sentence 3 of Directive 2006/48/EC applies (-) Alijäämä arvonalenneusten ja (-) Underskott som utgör skillnaden Article 57 sentence 2 lit. (q) of odotettujen tappioiden erotuksesta mellan nedskrivningar och förväntade (IRB) förluster (IRB) 1530 (-) Sijoitukset muihin yrityksiin (-) Innehav i andra företag Article 120 of Directive 2006/48/EC, Article 122 (2) of 1535 (-) Arvopapereiden luottokauppa (-) Kredittransaktioner (värdepappershandel) Annex II paragraph 2 Table 2 of Directive 2006/49/EC Article 61, paragraph 1 of 1.4 TOTAL ORIGINAL OWN FUNDS FOR GENERAL SOLVENCY PURPOSES 20 ENSISIJAISET OMAT VARAT YHTEENSÄ VAKAVARAISUUDEN LASKEMISEKSI TOTALT PRIMÄRT KAPITAL FÖR KAPITALTÄCKNINGSÄNDAMÅL = T1* 1.5 TOTAL ADDITIONAL OWN FUNDS FOR GENERAL SOLVENCY PURPOSES 25 TOISSIJAISET OMAT VARAT YHTEENSÄ VAKAVARAISUUDEN LASKEMISEKSI TOTALT SUPPLEMENTÄRT KAPITAL FÖR KAPITALTÄKNINGSÄNDAMÅL = T2* 1.6 TOTAL ADDITIONAL OWN FUNDS SPECIFIC TO COVER MARKET RISKS 30 MUUT OMAT VARAT ÖVRIG KAPITALBAS Tier 3 capital = Excess on limits for additional own funds 3005 Muihin omiin varoihin siirretty Överskjutande supplementärt kapital Article 13 paragraph 5 of Directive 2006/49/CE in conjunction with para 2 lit. (c). The excess on transferred to additional own funds specific to cover market risks toissijaisten omien varojen ylijäämä som får inräknas i övrig kapitalbas limits for additional own funds (see items ) that is allowed to be eligible for inclusion within additional own funds specific to cover market risks Net trading book profits Article 13 paragraph 2 lit. (b) of Directive 2006/49/EC. Includes the profits/losses originating from valuation adjustments/reserves as laid down in annex VII, part B, points of Directive 2006/49/EC Short term subordinated loan capital 3010 Lyhytaikaiset debentuurilainat Kortfristiga debenturlån Article 13 paragraph 2 lit. (c) of Directive 2006/49/EC (-) Illiquid assets Article 13 paragraph 2 lit. (d) of Directive 2006/49/EC (-) Excess on limit for Own Funds Specific to Cover Market Risks 3015 (-) Muiden omien varojen ylijäämä (-) Avdrag för poster som överstiger gränsen för att få ingå i övrig kapitalbas Article 13, paragraph 4 of Directive 2006/49/EC in conjunction with Article 14 of Directive 2006/49/EC.

7 1.6.LE Memorandum item: Total own funds relevant for the limits of large exposures when additional capital to cover market risks is used (-) Country specific deductions from Own Funds Specific to Cover Market Risks 30LE Lisätieto: Koko toiminnan asikasriskejä kattava omien varojen määrä Särskilda uppgifter: Kapitalbas för täckning av stora exponeringar i hela verksamheten =1.3.LE Nonetheless, if specific local rules are applied for the definition of capital relevant for large exposures, other components might be taken into account in the formula above. For instance, capital amounts for backing any overshooting of the large exposure limits in the trading book as those mentioned in article 31 lit (b) of Directive 2006/49/EC (-) Unused but eligible Own Funds Specific to Cover Market Risks 3020 (-) Muihin omiin varoihin luettavista eristä käyttämättä jäävä osa (-) Avdrag för kapitalbasbelopp som ej kan utnyttjas enligt begränsningsreglerna Article 13, paragraph 2 of Directive 2006/49/EC. =-Max[ ; 0] 1.7 (-) DEDUCTIONS FROM TOTAL OWN FUNDS (-) Country specific deductions from total own funds (-) Participations in insurance undertakings 1.8 MEMORANDUM ITEMS: IRB provision excess (+) / shortfall (-) 35 Lisätiedot: Särskilda uppgifter: = Country specific deductions from own funds not allocated to original, additional or addtional to cover market risks own funds Transitional treatment under article 154 paragraph 4 of = Amount of provisions for IRB Value adjustments and provisions related to the exposures mentioned in Annex VII Part 1 point 36 of Directive 2006/48/EC * Of which: General provision / Allowances for collectively assessed financial assets General provisions as mentioned in paragraph 380 of the BCBS document "International Convergence of Capital Measurements and Capital Standards: A Revised Framework - Comprehensive Version" published in June FINREP: Allowances for collectively assessed financial assets (includes allowances for incurred but not reported losses) ** Of which: Specific provision / Allowances for individually assessed financial assets *** Of which: Other and country specific value adjustments and provisions included in the calculation of the IRB provision excess (+) / shortfall Specific provisions as mentioned in paragraph 380 of the BCBS document "International Convergence of Capital Measurements and Capital Standards: A Revised Framework - Comprehensive Version" published in June FINREP: Allowances for individually assessed financial assets Includes any value adjustment or provision included in the calculation of the IRB provision excess (+) / shortfall (-) mentioned in Annex Vii, part 1, point 36 of Directive 2006/48/EC not reported in tems * or ** (-) IRB measurement of expected losses Expected loss amounts calculated in accordance with Annex VII Part 1 points 30, 31 and 35 of Directive 2006/48/EC as mentioned in Annex VII Part 1 point 36 of Directive 2006/48/EC Gross amount of subordinated loan capital 3505 Debentuurilainat (brutto) Debenturlån (brutto) Without taking into account the reduction in the eligible amount during the five years before repayment. Article 64, paragraph 3 (c) of Absolut minsta kapitalbas Articles 9, 10(2) and 10(4) of Directive 2006/48/EC and articles 5(1), 5(3), 6, 9, 10(1) and Minimum initial capital required Omien varojen ehdoton vähimmäismäärä 10(3) of Directive 2006/49/EC. 2 CAPITAL REQUIREMENTS 40 OMIEN VAROJEN VÄHIMMÄISVAATIMUS YHTEENSÄ TOTALT KAPITALKRAV = For investment firms under article 20(2) and 24 of Directive 2006/49/EC = Max [ , 2.5] For investment firms under article 20(3) and 25 of Directive 2006/49/EC = For investment firms under article 46 of Directive 2006/49/EC = Min[2.4,(12/88)*max( , 2.5)] plus, if applicable, an incremental increase a 2b 2c Of which: Investment firms under article 20(2) and 24 Of which: Investment firms under article 20(3) and 25 Of which: Investment firms under article 46 For investment firms under article 20(2) and 24 of Directive 2006/49/EC = Max [ , 2.5] For investment firms under article 20(3) and 25 of Directive 2006/49/EC = For investment firms under article 46, paragraphs 1 to 3 of Directive 2006/49/EC = Min[2.4,(12/88)*max( , 2.5)] plus, if applicable, an incremental increase TOTAL CAPITAL REQUIREMENTS FOR CREDIT, COUNTERPARTY CREDIT AND DILUTION RISKS AND FREE DELIVERIES 4005 LUOTTO- JA VASTAPUOLIRISKIN OMIEN VAROJEN VAATIMUS KAPITALKRAV FÖR KREDIT- OCH MOTPARTSRISK = Standardised approach (SA) Standardimenetelmä (SA) Schablonmethod (SA) CR SA template at the level of total exposures. =( a or b) a. or b because national supervisors may alternatively require to apply the IRB exposure classes referred to in Article 86 of Directive 2006/48/EC, paragraph 1 for reporting the credit risk standardised approach (e.g. in case of simoultaneous application of stardard and IRB approaches).

8 a SA exposure classes excluding securitization positions SA Standardimenetelmän vastuuryhmät (poislukien arvopaperistetut erät) SA: Exponeringsklasser (exkl. positioner i värdepapperisering) för schablonmetoden a.01 Central governments or central banks Saamiset valtiolta ja keskuspankeilta Exponeringar mot stater och centralbanker a.02 Regional governments or local Saamiset alue- ja paikallishallinnolta Exponeringar mot regionala och lokala authorities myndigheter a.03 Administrative bodies and noncommercial Saamiset julkisyhteisöiltä ja Exponeringar mot offentliga organ undertakings julkisoikeudellisilta laitoksilta a.04 Multilateral Development Banks Saamiset kansainvälisiltä Exponeringar mot multinationella kehityspankeilta utvecklingsbanker a.05 International Organisations Saamiset kansainvälisiltä Exponeringar mot internationella organisaatioilta organisationer a.06 Institutions Saamiset luottolaitoksilta ja Institutsexponeringar sijoituspalveluyrityksiltä a.07 Corporates Saamiset yrityksiltä Företagsexponeringar a.08 Retail Vähittäissaamiset Hushållsexponeringar a.09 Secured by real estate property Kiinteistövakuudelliset saamiset Exponeringar mot säkerhet i fastigheter a.10 Past due items Erääntyneet saamiset Oreglerade poster CR SA template at the level of total exposures. The SA exposure classes are those mentioned in Article 79, paragraph 1of Directive 2006/48/EC, excluding securitisation positions a.i, i = 01 to a.11 Items belongning to regulatory high-risk categories Erät, jotka viranomaisten määrityksen mukaan sisältävät korkean riskin Högriskposter a.12 Covered bonds Katetut joukkolainat Täckta obligationer (säkerställda CR SA. Claims obligationer) a.13 Short-term claims on institutions and Lyhytaikaiset saamiset yrityksiltä Kortfristiga företagsexponeringar CR SA. corporate a.14 Collective investments undertakings Sijoitusrahastosijoitukset Exponeringar mot fonder CR SA. Claims (CIU) a.15 Other items Muut erät Övriga poster CR SA b b b b.03 IRB exposure classes excluding securitization positions Central governments and central banks Institutions Corporates SA Sisäisten luottoluokitusten menetelmän vastuuryhmät (poislukien arvopaperistetut erät) SA: Exponeringsklasser (exkl. positioner i värdepapperisering) för IRB-metoden Valtio- ja keskuspankkivastuut Exponeringar mot stater och centralbanker Luottolaitos- ja Institutsexponeringar sijoituspalveluyritysvastuut Yritysvastuut Företagsexponeringar CR SA template at the level of total exposures b b.i, i = 01 to 06 See comment to item For the mapping of SA into IRB exposures classes particular attention may be paid to paragraphs 2, 3, 5, 6, 8 and 9 of Article 86 of Directive 2006/48/EC and paragraphs 11 and 12 of Art. 87 of Directive 2006/48/EC b.04 Retail Vähittäisvastuut Hushållsexponeringar b.05 Equity Oman pääoman ehtoiset sijoitukset Aktieexponeringar b Övriga poster No link. In principle the capital requirement will be the 8% of the exposure to non creditobligation Other non-credit obligation assets Muut erät assets (see annex VII part 3 point 13 of Directive 2006/48/EC and annex VII part 1 point 27 of Directive 2006/48/EC ) Securitization positions SA SA Arvopaperistetut erät SA: Positioner i värdepapperisering CR SEC SA * in addition: resecuritisation Internal ratings based Approach (IRB) IRB approaches when neither own estimates of LGD nor Conversion Factors are used Central governments and central banks SA Lisäksi uudelleenarvopaperistamiset IRB Sisäisten luottoluokitusten menetelmä Vastuu, joihin ei sovelleta omia LGD eikä CF -estimaatteja (FIRB) SA Därtill återvärdepapperiseringar Metod baserad pä intern riskklasseficering (FIRB) Exponeringar när egna LGD- eller CFestimat inte tillämpas (FIRB) Valtio- ja keskuspankkivastuut Exponeringar mot stater och CR IRB centralbanker Luottolaitos- ja Institutsexponeringar CR IRB Institutions sijoituspalveluyritysvastuut Corporates Yritysvastuut Företagsexponeringar CR IRB IRB approaches when own estimates of Vastuut, joihin sovelletaan omia LGD Exponeringar när egna LGD- och/eller CR IRB LGD and/or Conversion Factors are used ja/tai CF -estimaatteja (AIRB, vähittäisvastuut) CF-estimat tillämpas (AIRB, hushållsexponeringar) Central governments and central banks = CR IRB Valtio- ja keskuspankkivastuut Exponeringar mot stater och centralbanker CR IRB

9 Institutions Corporates Retail Luottolaitos- ja sijoituspalveluyritysvastuut Institutsexponeringar CR IRB Yritysvastuut Företagsexponeringar CR IRB Vähittäisvastuut Hushållsexponeringar CR IRB Equity IRB IRB Oman pääoman ehtoiset sijoitukset Securitization positions IRB IRB Arvopaperistetut erät IRB: Aktieexponeringar IRB: Positioner i värdepapperisering * in addition: resecuritisation IRB Lisäksi uudelleenarvopaperistamiset IRB Därtill återvärdepapperiseringar Other non credit-obligation assets Muut erät Övriga poster No link. In principle the capital requirement will be the 8% of the exposure to non creditobligation assets. 2.2 SETTLEMENT/DELIVERY RISK 4010 KOKO TOIMINNAN SELVITYSRISKI AVVECKLINGSRISK CR TB SETT 2.3 TOTAL CAPITAL REQUIREMENTS FOR POSITION, FOREIGN EXCHANGE AND COMMODITY RISKS = Position, foreign exchange and commodity risks under standardised approaches (SA) 4015 KORKOSOPIMUSTEN JA OSAKKEIDEN POSITIORISKIN, VALUUTTAKURSSIRISKIN JA HYÖDYKERISKIN OMIEN VAROJEN VAATIMUS YHTEENSÄ Positio-, valuuttakurssi- ja hyödykeriski; standardimenetelmä (SA) TOTALT KAPITALKRAV FÖR POSITIONSRIK I RÄNTEKONTRAKT OCH AKTIER, VALUTAKURSRISK OCH RÅVARURISK Positions-, valutakurs- och råvarurisk; schablonmetod CR EQU IRB CR SEC IRB Traded debt instruments Korkosopimusten positioriski Positionsrisk i räntekontrakt MKR SA TDI Specific risk securitisation positions Erityisriski arvopaperistamiselle Specifik risk i värdepapperisering Specific risk correlation trading portfolio Erityisriski korrelaatiokaupankäyntisalkulle Specifik risk i korrelationshandelsportföljen Equity Osakkeiden positioriski Positionsrisk i aktier MKR SA EQU Foreign Exchange Valuuttakurssiriski Valutakursrisk MKR SA FX Commodities Hyödykeriski Råvarurisk MKR SA COM Position, foreign exchange and commodity risks under internal models (IM) 2.4 TOTAL CAPITAL REQUIREMENTS FOR OPERATIONAL RISKS (OpR ) Positio-, valuuttakurssi- ja hyödykeriski; sisäinen malli (IM) 4020 OPERATIIVISEN RISKIN OMIEN VAROJEN VAATIMUS Positions-, valutakurs- och råvarurisk; intern modell (IM) OpR Basic indicator approach (BIA) Perusmenetelmä Basmetod See OPR Schablonmethod/alternativ See OPR OpR Standardised (STA) / Alternative Standardimenetelmä / Vaihtoehtoinen schablonmetod Standardised (ASA) approaches standardimenetelmä = =MKR IM KAPITALKRAV FÖR OPERATIV RISK = For investment firms under article 20(2), 24, 20(3) and 25 of Directive 2006/49/EC this element will be zero OpR Advanced measurement approaches (AMA) 2.5 CAPITAL REQUIREMENTS RELATED TO FIXED OVERHEADS 2.6 OTHER AND TRANSITIONAL CAPITAL REQUIREMENTS Complements to overall floor for Capital Requirements Complement to capital requirements for investment firms under article Other own funds requirements Kehittynyt menetelmä Internmätningsmetod Only for investment firms under articles 20(2), 24, 20(3), 25 and 46 of Directive 2006/49/EC. See also article 21 of Directive 2006/49/EC MUUT OMIEN VAROJEN VAATIMUKSET ANDRA KAPITALKRAV = Kehittyneiden menetelmien siirtymäkauden omien varojen vaatimus Kapitalkrav för internmätningsmetoder med hänsyn tagen till övergångsregler See OPR Includes complements to capital requirements stemming from provisions in article 152 of Without link to any template. 0 For investment firms under article 46 of Directive 2006/49/EC, the amount referred to in paragraph 4 of article 46 of Directive 2006/49/EC (starting "Applying this."). Without link to any template. Among others, additional capital requirements mentioned in article 31 lit (b) of Directive 2006/49/EC might be included. It also introduces national flexibility. 3 MEMORANDUM ITEMS: 45 VAKAVARAISUUS KAPITALTÄCKNING 3.1 Surplus (+) / Deficit (-) of own funds, before other and transitional capital requirements =1-(2-2.6) 3.1.a Solvency ratio (%), before other and =1/(2-2.6)*8% transitional capital requirements 3.2 Surplus (+) / Deficit (-) of own funds 4505 Omien varojen ylijäämä (+)/alijäämä (-) Överskott (+) eller underskott (-) av =1-2 kapital 3.2.a Solvency ratio (%) 4510 Vakavaraisuussuhdeluku (%) Kapitaltäckningsgrad (%) =1/2*8% 3.3 Surplus (+) / Deficit (-) of own funds taking into account the supervisory review process Includes the effect of the review and evaluation performed by competent authorities as indicated in article 124 and annex XI of Accordingly it takes into account the specific own funds requirements laid down in paragraph 2 of article 136 of Directive 2006/48/EC. 3.3.a Solvency index ratio (%) taking into account the supervisory review process Total own funds for solvency purposes/ capital requirements* 100%. Both figures are those used for assessing the surplus (+) / deficit (-) in 3.3

10 3.4 Internal assessment Surplus (+) / Deficit = (-) of capital Internal assessment of capital Article 123 of Internal assessment of capital needs Article 123 of (a) Convention on signs: Any amount that increases the own funds or the capital requirements will be reported as a positive figure. On the contrary, any amount that reduces the total own funds or the capital requirements will be reported as a negative figure. Where there is a negative sign (-) preceding the label of an item no positive figure is expected to be reported for that item.