SpareBank 1 SMN

Investor Presentation • Feb 5, 2021

4 th quarter 2020

5. February 2021

Lending growth 9.4bn Deposit growth 4.9bn

EM1 Midt-Norge has sold 512 more dwellings in 2020 than in 2019

Lending growth of 5.6bn Strong growth in leasing to SMEs

Income growth: Regnskapshuset 6% Markets 34%

High activity at SMN through the pandemic, strong growth in all business lines

This year the group's breadth and robustness have been extra important – SMN is strengthening its position as the leading financed house in the region

Good underlying operations in a challenging year; the results for 2020 show top line growth combined with good cost control

The results nonetheless reflect high loss provisions, mainly down to Covid-19 and the offshore portfolio

The group is solidly capitalised, financially positioned for continued growth and with good dividend capacity

Good prospects for further growth, a strengthened market share and increased efficiency. Measures now being implemented through One SMN will make for customer-oriented and simplified distribution, increased digitalisation and more efficient operations

With the local community at heart. Each year the bank's community dividend contributes to causes small and large that will make Central Norway a better and more sustainable region

Fourth quarter 2020 2

Profits 2020

Net profit NOK 1,978m (2,563)

ROE 10.0 % (13.7)

CET1 18.3 % (17.2)

Fourth quarter 2020

Pre loss result of core business NOK 2,378m (2,179) Loan losses NOK 951m (299)

Gain Fremtind NOK 340m (460) Reorganisation funds 83m

Growth in lending 9.0 % (4.7) Growth in deposits 13.5 % (6.6)

Booked equity capital per ECC NOK 94.71 (90.75) Profit per ECC NOK 8.87 (12.14)

Proposed dividend of NOK 4.40 (5.00)

Of which NOK 1.30 is to be paid out in April. The board of directors is authorised to pay out up to NOK 3.10 after 30 September, if conditions permit

High growth in the retail market in 2020

Low interest rates entail pressure on interest income. Reduced consumption, increased saving and record-high home sales

A coordinated approach and joint concepts in banking and estate agency bring an increased share of the home finance market

Share of homes financed by SpareBank1 SMN, purchased through EiendomsMegler 1 (%)

4

In 2020 the group's breadth and robustness have been extra important High losses on loans, but growth in scope and a substantial increase in incomes from Markets

Markets with high activity and substantial increase in income from all business lines

Covid-19 crisis has led to great uncertainty and lasting change

Increased contagion

Higher risk of bankruptcy

Unemployment

Economic slowdown the US Virus mutation

Layoffs

Crisis packages How long can the government provide support?

Chaos in

Fourth quarter 2020 6 Are vaccines effective against mutated viruses?

Norway is coping well compared with the rest of the world

Measures and crisis packages are effective

Relatively few infections in Norway

Stock market at all time high

Everything will be as it was before

People have become superdigital

Profitable over time Satisfactory profits again in 2020, with high losses and a low interest rate level

Financial ambitions

Profitable

Return on equity 12%

16.9 %

Strategy 2020-2023

SpareBank 1 SMN to be the leading finance house in Central Norway, and among the best performers in the Nordic region

< 2%

Fourth quarter 2020 8

Financially sound

CET1 ratio 16.9% Payout ratio approx. 50%

Efficient

Annual cost growth in the group to be limited to 2% in existing business

Strategic priorities 2020-2023

In 2020 the profitability project One SMN proceeded at full speed

A new distribution model, improved customer offering and reduced cost base; the project is at the implementation stage, the gains will be realised in 2021

Digitalisation and better utilisation of insight will equip SMN for the future For increased sales, a better customer experience and lower costs in the group

SMN has adopted a new strategy for sustainability SMN will stimulate sustainable development in the region

SMN will be at the forefront in developing Norway's savings bank sector

Market-leading finance house, local footing and co-ownership in SB1 alliansen place SMN in a good position when it comes to consolidation among Norwegian savings banks

SMN will refine its ownership model and strong brand

Thereby creating value for customers, employees, owners and investors

9

One SMN

Strengthen market position

One SMN will strengthen its market position and demonstrate that we are a coherent and effective group – for our customers, employees and shareholders

markedsposisjon

2

3

4

1

Increased incomes

Income growth from new customers and increased share of wallet on existing customers Develop new financial services

Increased synergies

The group's customers will be offered an improved and expanded customer offering

Reduced costs

Reduce costs through efficient distribution, reduced nimber of branches, efficient support functions, a total of 100 fewer FTEs and reduction in operating costs and IT costs Fourth quarter 2020 10

New and effective distribution model for growth and profitability

A finance centre – physical and digital

• 17 finance centres to be etablished a strong local presence remains key
• Increased income through new customers, greater breadth, redusert avgang and better price achievement
• Further development of of products and services across business lines (RM + EM1, Bank + Accounting)
• Digital and direct service channel strengthened for efficient customer servicing
• Increased use of analytical insight in follow-up and sales

The best from two worlds

- with a basis in the customer relationship and customised advice

Fourth quarter 2020 12

New strategy for sustainability SMN will stimulate sustainable development

Driver for the green transition

• Green transition within a company's own operations
• Stimulate green transition through the customer offering
• Build customer competence

Partner for the inclusive development of society

• Develop own employees' competence
• Gender equality and diversity across the group
• Strengthen social rights in products and services
• Stimulate innovation and sustainable economic growth through the customer offering

Guide for a responsible business culture

• Ethical standards
• Data and cyber security
• Standards for purchases and responsible marketing
• Economic crime and corruption

The savings bank model shows its strength in times of crisis The community dividend makes Central Norway a better and more sustainable region

SpareBank 1 SMN's response to Central Norway to Covid-19

In the abnormal year of 2020 we wished to spread warmheartedness and play our part in getting through the crisis together

Glimpses from SpareBank 1 SMN's response to the region to Covid-19

Creativity and new thinking Marching bands given green

Cultural experiences for everyone

Summer activities for children

light on Norway's national day!

750 young people got a summer job

A warmhearted Christmas for the elderly

SpareBank 1 SMN (MING) - an attractive investment also in an uncertain world

High return over time and solid capitalisation. Efficient banking operations and unrealised income and cost synergies within the group. Shareholder-friendly dividend policy

Strong position and good growth in an attractive region and across all business lines. Diversified customer portfolio and income base

Good brand with development potential based on ownership model, local presence and sustainability

Substantial underlying assets through ownership in and outside the SpareBank1-alliance

Well positioned through consolidation of Norwegian savings banks

Financial information

Kjell Fordal, CFO

Profits Q4 2020

NOK 450m (346)

ROE 8.9 % (7.1)

CET1 18.3 % (17.2)

Pre loss result of core business NOK 600m (556) Net profit Loan losses NOK 242m (103)

Reorganisation funds 83m

Growth in lending RM 1.6 % (2.0) NL 2.5 % (0.3) Growth in deposits RM 0.1 % (0.9), CM 3.8% (4.0)

Profit per ECC NOK 1.99 (1.60)

Fourth quarter 2020

Good profits in second quarter and strong capitalization

Profit per ECC Loan losses as a percentage of total loans

Proposed dividend NOK 4.40 per equity certificate, in accordance with the bank's dividend policy

• NOK 1.30 to be paid out in April, against the background of the Ministry of Finance's recommendation
• The board of directors is authorised to pay out up to NOK 3.10 after 30 September, if conditions permit

Dividend and profit per ECC

Norwegian banks are adaptable to changing framework conditions

Total return in % - selected banks last 15 år*

*Price increase from 31.01.05 adjusted for dividends

21

Profits

NOK mill	2020	2019	Change	Q4 20	Q3 20	Q2 20	Q1 20	Q4 19
Net interest	2 759	2 687	72	688	695	666	710	697
Commission income and other income	2 572	2 290	283	757	638	607	570	579
Operating income	5 331	4 976	354	1 445	1 333	1 273	1 280	1 276
Total operating expenses	2 952	2 797	155	845	685	706	716	720
Pre-loss result of business core	378 2	2 179	199	600	648	567	564	556
loans and Losses guarantees on	951	299	652	242	231	170	308	103
Post-loss result of business core	1 427	1 880	-453	357	417	397	256	453
Related companies	341	419	-78	117	170	177	-123	8
Gain Fremtind	340	460	-120				340
foreign and derivates Securities currency ,	269	322	-53	80	34	271	-116	9
Result before tax	2 378	3 081	-703	554	621	845	357	469
Tax	400	518	-118	104	102	126	67	123
profit Net	978 1	2 563	-585	450	519	719	290	346
Return equity on	10,0 %	13,7 %		8,9 %	10,5 %	15,1 %	5,7 %	7,1 %

Total lending NOK 183 bn, growth of 9.0 % in 2020

Lending CM 5.0 % (CAGR) 48,1 50,1 52,2 52,7 58,3 31.12.16 31.12.17 31.12.18 31.12.19 31.12.20 4,1% 4,2% 1,1% +10,6%

High growth in lending

• Residential mortgage market growth 4.8 % (C2) last 12 months (November 2020)
• Growth in retail lending, specially in the LO segment
• Divercified growth in lending to corporates, mainly to SMEs

23

Share of lending

Lending margins RM and CM

• Base rate down to 0 in June, and a 145 point fall in NIBOR in 2020 has strengthened margins
• Two mortgage rate cuts carried out in 2020
• Increased NIBOR in Q4 gives a drop in margins

24

Total deposits NOK 97,5 bn, growth of 13.5% in 2020

Deposits RM 8.0 % (CAGR)

Deposits CM 11.1 % (CAGR)

Good growth in deposits

• Good growth in deposits from both retail customers and corporate customers. Reduced retail consumption from March onwards has brought increased retail customer deposits
• Deposit-to-loan ratio 53% (51%)
• Of the corporate market deposits, 23% are from the public sector

Share of deposits

25

Deposit margins Retail and Corporate

• Considerable decrease in NIBOR in 2020 weakened margins
• Interest rate reduction also on deposits
• Margins in the third quarter give an almost correct expression of the level measured againts NIBOR with current product pricing

Q4 16 Q2 17 Q4 17 Q2 18 Q4 18 Q2 19 Q419 Q220 Q420

Change in net interest income

Net interest 2020	2.759
Net interest 2019	2.687
Change	72
Obtained as follows:
Fees on lending	2
Lending volume	133
Deposit volume	29
Lending margin	341
Deposit margin	-390
Equity capital	-124
Funding and liquidity buffer	13
Subsidiaries	68
Change	72

2010 - 2020 Net interest income strengthened by growth and increased lending margin

• Net interest income strengthened by increased lending volume
• Margins on mortgages strengthened by decrease in NIBOR in 2020, but deposit margins have been weakened
• Two general reductions in mortgage interest carried out in 2020
• Net interest income weakened by lower interest on equity

27

Robust income platform and increased commission income

Net interest and other income Commissions 2020 and 2019

mill kr	2020	2019	Change
Payment transmission income	219	233	-14
Creditcards	59	59	0
Commissions savings and asset management	109	100	9
Commissions insurance	195	183	12
Guarantee commissions	48	51	-3
Estate agency	392	390	2
Accountancy services	506	473	33
Securities	577	386	191
Other commissions	45	49	-4
Commissions Bolig/Næringskreditt ex.	2 151	925 1	226
Commissions Boligkreditt (cov bonds)	408	349	59
Næringskreditt (cov bonds) Commissions	13	16	-3
Total commission income	2 572	2 290	283

• Robust income platform
• A wide range of products both from the parent bank, the subsidiaries, and the SpareBank 1 Group

Fourth quarter 2020

28

Cost growth of 2.6 per cent in 2020 (ex reorganisation funds)

Costs 2019 and 2020

• More FTEs in 2020 than in 2019, wage growth and development costs make for some cost growth in the bank
• Wind-up of BN Bolig in 2019 reduces costs in subsidiaries.
• Increased variable remuneration at SB1 Markets as a result of high customer activity

'One SMN' with measures providing short- and long-term effects:

• Efficient distribution
• Group-oriented organisation of the group
• Reduction of operating and IT costs in all business lines
• Staff reductions of 100 FTEs in 2021

Increased losses in 2020, largely as a result of the corona crisis and oil service

Losses per quarter, NOKm Distribution loan losses 2020

Loan losses including collective loss provisions 0.54 % (0.18 %) of gross lending as of 31.12.2020

Capitalization

CET1

Leverage ratio

Credit risk

Vegard Helland, Executive director – Corporate Banking

Increase in house prices in Trondheim

House prices 2005 –2020

Sources: Statistics Norway for house prices

Unemployment up from 70,000 in January to 300,000 in March Rapidly up, fairly rapidly down with large variations between job categories and counties

Fourth quarter 2020 34

Hotel and restaurant trade hardest hit by Covid-19

Hotels/restaurants Retail trade (retail/stores)

Transport Manufacturing

Wholesale trade (wholesale/agents)

Maritime industry/shipyards IT

Seafarming Shipping

Media

Private services

Kommunikasjon Koronascore: 2 Communication

Fisheries

Groceries Streaming services

Robust loan portfolio of which 68 per cent of loans are to wage earners. Oil-related sectors and tourism are vulnerable industries

Total loans NOK 183 bn

10 %

Mortages

1,4 %

18 %

36

77,8

Increased losses in 2020 as a result of COVID-19; uncertainty most marked in the offshore and hospitality industries

Losses of NOK 242m in Q4, NOK 951m in 2020

• Of the group's total loss NOK 951m so far this year, NOK 846m refers to the business and industry portfolio
• Losses from corporates increased by NOK 236m from the previous quarter, primarily due to increased write-downs on the offshore portfolio
• The offshore portfolio shows overall losses of NOK 451m, of which NOK 155m refers to the fourth quarter
• Losses from the RM portfolio are mainly general writedowns

Fourth quarter 2020 * Includes agriculture portfolio

Offshore service vessels constitute a small share of total credit risk (2.2 per cent) Impairment level corresponds to 18.8 per cent of the offshore portfolio

				Indivi	Total	Share of
	mill kr	EAD	Loans	dual	IFRS 9	ments	EAD
% 4	risk Low	188	157	0	0	0 3 ,	0 2 % ,
44 %	Medium risk	1 925	1 398	0	127	127	6 6 % ,
19 %	High risk	843	601	0	104	104	12 3 % ,
32 %	/ Obligors with impairments defaulted	381 1	209 1	584	0	584	42 3 % ,
% 100	Total	4 337	3 364	584	231	816	% 18 8 ,

Low payment defaults, 0.25 per cent of gross lending

Payment defaults 90 days

Loans in default, NOKm

Loans in default as a percentage of gross loans

SpareBank 1 SMN 7467 TRONDHEIM

CEO Jan-Frode Janson

Tel +47 909 75 183 E-mail jan-frode.janson@smn.no CFO Kjell Fordal

Tel +47 905 41 672 E-mail kjell.fordal@smn.no

SpareBank 1 SMN

Tel +47 915 07 300

Internet adresses:

SMN homepage og internet bank: www.smn.no

Financial calendar 2021

Q1 21 7. May 2021 Q2 21 11. August 2021 Q3 21 29. October 2021

Fourth quarter 2020 40

Appendix

Norway's largest equity-certificate-issuing bank

Finance house offering a wide range of products

Retail customers 245 700

Corporate customers 15 560

Loan volume 183 bn

Market leader in the region Co-owner of SpareBank 1 Alliance

New and efficient distribution model

• The backdrop is an intensified shift in digital behaviour over time, with a decline in branch visits and greater use of digital solutions
• SMN is strengthening its digital and direct service channel with expertise and capacity for efficient servicing of the retail and SMB segment. SMN is developing new customer solutions
• New digital customer solutions
• A strong local presence remains at centre stage of the strategy - 17 finance centres are being established featuring strong specialist units and a complete service offering assembled in each location

Number 1 in financial services in Central Norway

Market shares

44

High growth, but low interest rates and high losses weakens the result from banking

• Strong growth and increased market shares, especially from the LO agreement
• The corona pandemic has brought reduced consumption and high deposit growth
• Consistent low risk and low losses in the portfolio

Retail Banking Corporate Banking

• Diversified portfolio with the bulk of customers from Trøndelag and in Møre and Romsdal

45

• Increased growth in 2020, mainly in the SMB segment
• Good underlying operations, but high loss provisions from the offshore portfolio

Fourth quarter 2020

Good trend in accounting and estate agency services strengthens the group's position in the retail and corporate market

• Regnskapshus is expanding due to acquisitions and organic growth
• Good income trend in an industry little affected by COVID-19

• Consolidating and digitalising the accounting industry

• Market leader in Trøndelag and in Møre and Romsdal

• High activity and good sales in a traditionally quiet season, well assisted by record-low mortgage rates

46

• Contributing to growth in the bank's retail market portfolio

Fourth quarter 2020

Growth in leasing and high activity in the capital market

• Solid market position in leasing to corporates and in car loans to to retail customers. A new product is small business invoice factoring

• Strong income growth both in the corporate and retail market as a result of new sales and a good trend in margins

• Offers a complete range of capital market services

• High activity in most business lines has brought strong income and profit growth so far this year

47

Profits weakened in 2020 due to increased loan losses. Strong capitalization

Earnings per ECC

Loan losses as a percentage of total loans

Fourth quarter 2020 48

Strong growth in income, moderate growth in costs

Operating income Operating costs exclusive reorganisation funds of NOK 83m

Robust income platform and increased commission income

mill kr	2020	2019	Change	Q4 20	Q3 20	Q2 20	Q1 20	Q4 19
Payment transmission income	219	233	-14	56	54	51	59	65
Creditcards	59	59	0	14	15	15	16	15
and Commissions savings asset management	109	100	9	32	27	28	22	31
Commissions insurance	195	183	12	51	49	48	47	47
Guarantee commissions	48	51	-3	6	14	15	13	15
Estate agency	392	390	2	93	111	105	83	93
Accountancy services	506	473	33	111	105	141	148	102
Securities	577	386	191	245	122	129	81	101
Other commissions	45	49	-4	9	9	17	10	16
Commissions Bolig/Næringskreditt ex.	2 151	1 925	226	617	506	548	479	485
Commissions Boligkreditt (cov bonds)	408	349	59	136	128	57	88	90
Commissions Næringskreditt (cov bonds)	13	16	-3	4	4	2	4	4
Total commission income	2 572	2 290	283	757	638	607	570	579

• Robust income platform

• A wide range of products both from the parent bank, the subsidiaries, and the SpareBank 1 Group

Subsidiaries

Pre tax profit subsidiaries

SMN's share in parentheseis mNOK ,	2020	2019	Change	Q4 20	Q3 20	Q2 20	Q1 20	Q4 19
EiendomsMegler Midt-Norge (87 %) 1	52	31	21	2	19	30	0	1
of BN Bolig (subsidiary EM1)	0	-30	30	0	0	0	0	-7
SpareBank Regnskapshuset (89 %) 1 SMN	110	108	2	22	21	40	27	27
SpareBank 1 Finans Midt-Norge (61 %)	214	150	64	63	59	46	47	35
SpareBank Markets (67 %) 1	179	43	136	90	35	71	-15	4
SpareBank SMN (100%) 1 Invest	6	48	-42	21	-3	7	-19	4
SpareBank 1 SMN Spire Finans (100%)	-30	-20	-10	-11	-7	-5	-8	-6
Other companies	8	16	-8	2	1	2	3	4
Subsidiaries	540	347	193	189	125	191	36	62

The results refer to the respective company accounts

Associated companies

Profit shares after tax

mNOK SMN's share in parentheseis ,	2020	2019	Change	Q4 20	Q3 20	Q2 20	Q1 20	Q4 19
SpareBank Gruppen (19 %) 1 5 ,	194	252	-58	87	114	109	-115	-12
Gain Fremtind	340	460	-120	0	0	0	340	0
SpareBank Boligkreditt (22 %) 1 4 ,	18	26	-8	-4	11	41	-31	0
SpareBank Næringskreditt (31 0 %) 1 ,	18	21	-2	5	5	7	2	6
Bank (35 0 %) BN ,	120	113	8	36	34	27	23	28
SpareBank Kreditt (17 3 %) 1 ,	2	13	-11	0	0	2	0	0
SpareBank Betaling (19 %) 1 5 ,	-2	3	-4	1	-1	1	-2	-5
Other companies	-8	-8	-1	-9	10	-9	0	-10
Associated companies	681	879	-197	117	172	177	217	8

Return on financial investments

NOKm	2020	2019	Change	Q4 20	Q3 30	Q2 20	Q1 20	Q4 19
Shares	-4	120	-124	-3	4	36	-42	11
Sertificates and bonds	103	-20	124	-62	-8	124	50	-42
Derivatives	32	132	-100	110	19	51	-148	40
Financial instruments related hedging to	1	-9	11	1	4	2	-6	-8
Other financial instruments fair value at	-11	9	-20	2	-2	45	-57	-2
Foreign exchange	82	22	59	3	11	4	65	-10
Shares and share derivatives SpareBank Markets at 1	28	54	-26	2	5	7	14	17
financial instruments Net return on	230	308	-76	53	32	269	-124	7

Balance sheet

	31 12 20	31 12 19	31 12 18
Funds available	34 5 ,	26 0 ,	26 3 ,
loans Net	133 1 ,	125 3 ,	119 7 ,
Securities	2 4 ,	3 0 ,	1 9 ,
related Investment in companies	3 7 ,	6 5 ,	6 1 ,
Goodwill	0 9 ,	0 9 ,	0 9 ,
Other assets	9 7 ,	5 1 ,	5 8 ,
Total Assets	187 9 ,	166 7 ,	160 7 ,
Capital market funding	0 57 ,	9 51 ,	53 5 ,
Deposits	97 5 ,	85 9 ,	80 6 ,
Other liabilities	10 3 ,	6 4 ,	5 7 ,
Subordinated debt	1 8 ,	2 1 ,	2 3 ,
hybrid bonds Equity ex	20 0 ,	19 1 ,	6 17 ,
Hybrid bonds	1 3 ,	1 3 ,	1 0 ,
Total liabilities and equity	187 9 ,	166 7 ,	160 7 ,
in addition loans sold Boligkreditt and Næringskreditt to	48 2 ,	41 5 ,	39 8 ,

Strong development in CET 1 (capital and ratio)

Satisfying access to capital market funding

Funding maturity 31. December 2020 (NOK bn) Comments

• SpareBank 1 Boligkreditt is the main funding source through covered bonds. NOK 47 billion transferred as of 31. December 2020
• Maturities next two years NOK 14.1 bn:
• NOK 6.9 bn in 2021
• NOK 7.2 bn in 2022
• LCR 171 % as at 31. December 2020
• MREL (minimum requirement for own funds and eligible liabilities) introduced as from 2019. The bank will fulfil the MREL requirement within 2024 according to the framework of ordinary maturities
• SpareBank 1 SMN issued senior non-preferred debt (MREL) worth NOK 1bn in September 2020 and 1.5bn in January 2021

Key figures ECC

	2020	2019	2018	2017	2016
ECC ratio	64 0 % ,	64 0 % ,	64 0 % ,	64 0 % ,	64 0 % ,
Total issued (mill) ECCs	129 39 ,	129 30 ,	129 62 ,	38 129 ,	129 64 ,
ECC price	97 60 ,	100 20 ,	84 20 ,	82 25 ,	64 75 ,
Market value (NOKm)	12 629	12 956	10 914	10 679	8 407
Booked capital equity ECC per	94 71 ,	90 75 ,	83 87 ,	78 81 ,	73 35 ,
earnings ECC in NOK Post-tax per ,	8 87 ,	12 14 ,	9 97 ,	8 71 ,	93 7 ,
Dividend ECC per	4 40 ,	5 00 ,	5 10 ,	4 40 ,	3 00 ,
P/E	11 01 ,	8 26 ,	8 44 ,	9 44 ,	8 17 ,
/ Booked capital Price equity	03 1 ,	10 1 ,	00 1 ,	04 1 ,	0 88 ,

New group management team signals business orientation and breadth

• Additional parts of the business represented on the group management team – increased focus on the customer and the business, and closer collaboration between the business lines
• New group-wide units created increased power to strategic focal areas and efficiency gains across the group companies
• Transition from management anchored in the bank to management anchored in the group, from emphasis on staff to emphasis on the business
• A better and more cost-efficient organisation – further elaboration of the organisation in keeping with «One SMN» over past half-year

SpareBank 1 Alliance: National champion, regional focus

• The SpareBank 1-alliance consists of 14 banks
• Operate exclusively in Norway Norway's most extensive branch network with approx. 350 branches
• SpareBank 1-banks are at the forefront of technological innovation
• Operate as independent banks in each their respective Norwegian region
• Market leaders in their core regional markets
• The largest banks (~ 80% of total assets) have the following ratings:

	Sr. Unsec. Ratings	Moody's
	SpareBank 1 SMN	A1 / P-1
	SpareBank 1 SR	A1 / P-1
	SpareBank 1 SNN	Aa3 / P-1
	SpareBank 1 Østlandet	Aa3 / P-1
Fourth quarter 2020		59

Spare Bank 1 Alliance