Bank of Åland Financial Overview

13 Scorecard Capital • • S&P rating uplift for strong capital position Common Equity Tier 1 capital ratio 12.5 percent as of Mar 31, 2018 IRB method for credit risk capital requirement not yet approved for the Swedish credit portfolio • • • Risk Management Long history of having the lowest loan loss level of all Finnish banks. Loan loss level was 0.02 percent Q1 2018. No trading positions or complex financial instruments No exposure to GIIPS countries, Russia or Ukraine Strict limits on exposure to financial institutions. Bulk of the exposure is to highly rated Nordic entities Liquidity and Funding • . Core funding ratio of 90 percent as of Mar 31, 2018 Liquidity reserve at 17 percent of total assets as of Mar 31, 2018 LCR at 146 percent as of Mar 31, 2018 NSFR at 106 percent as of Mar 31, 2018 AAA rating on covered bonds • • Profitability Challenging interest rate environment Positive earnings trend Net operating profit of EUR 7.4 M Q1 2018 Return on equity 10.1 percent Q1 2018 ALANDSBANKEN

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