Bank of Åland Financial Overview

25% 39 Group funding profile Mar 31, 2018 • • Demand deposits, time deposits and certificates of deposits from core private customers and their companies are the main funding sources Strong capitalization Covered bonds are the main long term funding instrument 456 2.96 29 2% 1% 5% Funding profile Mar 31, 2018 100% 90% 59 % ■■Deposits 80 56 Covered bonds Senior unsecured 2% 25 % 70% 60% Long term banks 2% 50 56 59 % 40%- Short term banks 2% 30%- 4% ■CDs 20%- Subordinated 1% 10%- ■■Own Capital 5% 0%+ Development of the funding profile 2014-2018 T T 01 Q2 Q3 Q4 Q1 02 03 04 01 02 03 04 01 02 03 04 2014 2014 2014 2014 2015 2015 2015 2015 2016 2016 2016 2016 2017 2017 2017 2017 Own Capital Subordinated ■CDs Short term banks Long term banks Senior unsecured Covered bonds Deposits ALANDSBANKEN

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