Investor Presentaiton

Long-Term Financial Targets* ROE shall exceed 10 % . As a bank for investors, with financing know-how, the Bank of Åland has a business model that shall generate most earnings from operations with limited capital requirements. The Bank of Åland's earnings will benefit from higher interest rates The Bank's capital adequacy, primarily defined as CET1 capital ratio under the Basel regulations, shall clearly exceed all regulatory requirements The payout ratio shall eventually amount to 50 % This payout ratio target is subject to the condition that the capital adequacy target continues to be achieved 20 During 2021 the Bank of Åland will review its long-term financial targets ÀLANDSBANKEN

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