Investor Presentaiton

28 28 M EUR 4,500 4,000 3,500 3,000 2,500 2,000 1,500 1,000 500 0 • • Balanced growth in the credit portfolio Total lending to the public was EUR 4,022 M Dec 31 2018, an increase of 1% from a year ago • Selective lending to high quality borrowers • Asset quality prioritised over lending volume growth and higher returns • Lending must always be made in consideration of safeguarding Bank of Åland's strong brand and market reputation Loan loss level 0.02% in 2018 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 ■Public and non-profit sector ■Companies ■Private individuals M EUR 1,400 1,200 1,000 800 600 400 200 0 2009 2010 2011 2012 2013 2014 2015 2016 2017 2018 Other industry and crafts Construction Agriculture, forestry and fishing Other service operations ■Hotel and restaurant operations ■Financial and insurance operations ■Other real estate operations ■Housing operations Wholesale and retail trade ■Shipping ÀLANDSBANKEN

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