Investor Presentaiton

Issuer Cover Pool FIN Issuer: Owner: Controlling authority: Long Rating Covered bond Owner Issuer Ålandsbanken Abp Finnish Financial Supervisory Authority S&P Moody's AAA BBB BBB Cover pool FIN Included assets, MEUR Loans Substitute assets Other Total 850 125 0 975 Loan volume, Type of collateral MEUR Single-family housing & flats 850 Loan volume, % 100.0 % Multi-family housing 0 850 Sum Maturity buckets Loan volume, MEUR Loan volume, % 2020 2021 2022 519 310 و 61% 36% 1% Maturity is the time remaining to the next change of interest rate in the contractual terms 2023 2024 2025 2026 2027- Sum 3 2 3 0% 0% 0% 1 0% 3 850 0% 100% Seasoning Loan volume, MEUR Loan volume, % 0-1 Y 64 7% 1-2 Y 74 2-3 Y 74 3-5Y 210 9% 9% 25% 5+ Y 428 50% Sum 850 100 % CRR-compliant Yes Credit quality Past due Loan volume, MEUR Fitch Report date 30.6.2020 Share of loan volume, % 31-60 D 61-90 D 90+ D Sum 0.1 0.1 0 0 0.0 0.0 0.0 0% Impaired loans, % 0.000% Key ratios Cover pool items Number of loans Number of clients OC, nominal WALTV FX-risk** 50.0% All issuance of covered bonds in foreign currency is swopped to entirely eliminate FX- 54.2% 0 risk. Remaining average maturity, years Assets Liabilities 6.7 3.3 10,834 6,574 Number of properties 7,921 Average loan size, TEUR 80 0.0 % 100% Regional distribution Helsinki region, Southern Finland Tampere region, Pirkanmaa Turku region, Western Finland Åland Islands Other Sum Bonds Loan volume, Outstanding issues in EUR MEUR Loan volume, % ISIN 386 45% Amount, MEUR Settlement date 103 12% XS0876678391 100 30-01-2013 114 13% XS1496878742 250 29-09-2016 183. 22 % F14000375241 300 19-03-2019 Maturity 30-01-2023 29-09-2023 19-03-2024 Coupon Fixed/ Floating 2.75 Fixed 0.00 0.125 Fixed Fixed 64 8% 850 100% Outstanding issues in SEK ISIN Amount, MSEK Opening date Maturity Coupon Fixed/ Floating Loan Loan volume, Interest rate type MEUR Loan volume, % Floating Fixed 816 34 96% 4% Sum 850 100% volume, Repayments MEUR Loan volume, % Amortizing Interest only Sum 695 82 % Amount, MEUR 155 18 % Other bonds 0 850 100 % Total of outstanding bonds of which repos 650 0 Weighted average life, years 18.0 LTV Level, Mortgage assets 0-10% 10-20% 20-30% 30-40% 40-50% 50-60% 60-70% 70+ % Sum Maturity, expressed in MEUR Total 0-1 Y 1-2 Y 0 0 2-3 Y 100 3-4Y 4-5 Y 5-10 Y 10+ Y Sum Loan volume, MEUR Loan volume, % 9 27 53 92 150 175 344 10 850 Total, % 0% 0% 15% 550 85% 0 0 0 650 0% 0% 0% 100% 1% 3 % 6% 11 % 18 % 21% 40% 0% 100% Interest rate type Fixed Amount, MEUR Amount, % 650 100 % Floating Sum 0 650 0% 100% 47 ALANDSBANKEN

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